Get your caravan or boat adventure ready

If you've got your eye on your ultimate caravan or boat, let RACT Finance help get you there with low rate loans, no ongoing fees and fast approval.

Take out a loan with RACT Finance with rates starting from just 5.99%^^ p.a. (comparison rate 6.55% ^p.a.). 

Special offer: Take out a boat or caravan loan along with your RACT Comprehensive Car Insurance 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.

Roadside Assistance inclusions for caravan and boat trailer

​See the RACT Roadside Terms and Conditions​ for cover details.

Here are a few inclusions that will assist you with your caravan and/or boat trailer.

  • RACT Roadside provides damaged caravan cover of up to $300.

  • If your vehicle is towing a caravan or trailer and your vehicle requires towing, we will tow the caravan or trailer (up to two tonnes as loaded) up to 20km in city areas and up to 100km in country areas in any direction. ​

  • Interstate we will tow up to 100km back to the nearest agent in country areas. If the disabled vehicle requires further recovery to your home or destination, the caravan or trailer will not be eligible for further free towing.

  • Towing, as described above, also extends to a disabled caravan or trailer (up to two tonnes as loaded). However, there may be times when special equipment is required or when additional time is spent at the breakdown scene preparing the vehicle for towing. In these circumstances, any additional costs for time and equipment are your responsibility. 

  • If a caravan breaks down more than 50km from your home and cannot be repaired within 24 hours, we will provide accommodation for one night up to the value of $100. Or, if repairs will take longer than 48 hours, we will provide accommodation up to five nights up to $100 per night. Up to three nights’ accommodation up to the value of $300 will also be provided if the caravan is involved in an accident and cannot be occupied during this time.​​

*Terms and conditions

  • This offer is available for new caravan or boat 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 caravans and boat loans only. Rates for used cararvan and boat loans may vary **RACT Members receive 1% p.a. discount off their loan rate only. Member discount do​es not apply to the new caravan and boat 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 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.​​​​