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Low interest personal loan rates from 9.45%*p.a. (comparison rate 9.98%^ p.a.)

RACT personal loans are highly competitive with low interest rates. They're available for just about any purpose.

​Choose a boat, holiday, a motorcycle, a caravan, home improvements or debt consolidation.  From cars to computers and everything in between.​

Competitive rates

Our rates are competitive, our fees are low and our service guarantees you the minimum of hassle.

Fast loan approval

You can get fast over the phone approval. We also provide pre-approvals so that you can bargain to your best advantage, knowing exactly how much you have to spend.

Once your application is approved, we'll provide your funds. It's that easy. For most loans the money can be in your hands in as little as 24 hours.

RACT Member offer!

RACT members receive a 1% p.a. discount off the standard base rate*. (Note, this discount doesn’t apply to new car special rates or for business vehicle loans).

Remember to quote your membership number when you ar​e speaking to one of our finance consultants about your next car loan.

Conditions, fees and charges apply. Rate subject to change without notice. *RACT Members receive 1% p.a. discount off their loan rate only. Member discount does not apply to the new car special rate. ^Comparison rate calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate applies only to examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw or early repayment fees and cost savings such as fee waivers are not included in the comparison rate, but may influence the cost of the loan. RACT acts as an agent ​​for RACV only in relation to applications for, and the approval and funding of, RACT Loans and is not an agent of RACV for any other purpose. ​

It is a condition of the use of this Website that you have read our Financial Services Guide. You agree to be provided the Financial Services Guide by accessing the link.