​​​Thinking of buying your dream car?

Thinking of buying your dream car? RACT Finance offers low rate loans, no ongoing fees and fast approval - we will have you in the driver's seat in no time.
​​​​​​​​​Special offer!

Do you need finance for your new car? Take out a loan over $15,000* with RACT Finance and get free roadside. Rates starting from just 5.99%^^ p.a. (comparison rate 6.55% ^p.a.). Pick your package below and we will do the rest.

Standard: take out a car loan and get free RACT Roadside Advantage (valued at $112) PLUS all the benefits of being an RACT member.*

Works: take out a car loan AND Comprehensive Car Insurance through RACT and get free RACT Roadside Ultimate (valued at $189) PLUS all the benefits of being an RACT member.*​​

Application is easy

You can get fast online or 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 for used car loans**. (Note, this discount doesn’t apply to new car special rates or for business vehicle loans).

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

*Terms and conditions

  • This offer is available for new car loans only.
  • Free RACT Roadside is available for a 12 month period.
  • Offer only available when Comprehensive Car Insurance has been purchased through RACT Insurance.
  • Gifted RACT Roadside membership is not transferable.
  • If applicant is already an RACT Advantage member then an upgrade to Roadside Ultimate for a further 12 months will apply regardless of whether insurance is taken or not.
  • If applicant is already an RACT Ultimate member, membership will be extended for a further 12 months at expiry regardless of whether insurance is taken out or not.

Finance Conditions, fees and charges apply. Rate subject to change without notice. The 5.99​% rate applies to new car loans only. Rates for used car loans may vary **RACT Members receive 1% p.a. discount off their loan rate only. Member discount do​es 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.  ^^For loans on new vehicles $15,000 and over, for home home buyer or home owner applicants only. 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 Loans are provided by R.A.C.V. Finance Ltd ABN 82 004 292 291 Australian credit licence 391488. and are subject to R.A.C.V. Finance lending criteria. RACT acts as an agent for R.A.C.V. Finance only in relation to applications for, and the approval and funding of, RACT Loans and is not an agent of R.A.C.V. Finance for any other purpose.

Insurance The insurer of the Comprehensive Car Insurance product is RACT Insurance Pty Ltd ABN 96 068 167 804 AFS Licence No 229076. RACT acts as an agent for RACT Insurance Pty Ltd, not as your agent. A Product Disclosure Statement will be provided to you before you acquire the product and should be considered to ensure the product is right for you.

Roadside For RACT Roadside terms and conditions click here.

In event of an issue with our loan product or service

RACT is committed to providing fair and prompt resolution to any issues that may arise with your RACT Loan. Should you wish to make a complaint please email or by phoning 13 27 22 and requesting the Sales and Service Manager.

If you are not satisfied with the result of your complaint you may also contact the credit provider, R.A.C.V. Finance Ltd. by phone 1800 675 958 or mail to Level 10, 485 Bourke Street, Melbourne 3000 or email They will work with RACT to resolve your issue promptly.

Should neither RACT or R.A.C.V. Finance be unable to resolve your complaint to your satisfaction you can seek an external review with Australian Financial Complaints Authority (AFCA). AFCA provides a fair and independent complaint resolution scheme. AFCA replaces the previous scheme, the Credit & Investments Ombudsman (CIO), to provide a free and fast resolution process to consumers and small businesses.

Complaints to AFCA can be made by Phone: 1800 931 678, Email: or Mail: GPO Box 3, Melbourne VIC 3001.

As from 1 November 2018

Australian Financial Complaints Authority (AFCA) replaces the Credit & Investments Ombudsman (CIO). For more information on AFCA please go to Complaints to AFCA can be made by Phone: 1800 931 678, Email: or Mail: GPO Box 3, Melbourne VIC 3001.

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 clicking the link.​​