RACT Finance

Thinking of buying your dream car? Need a holiday, new caravan, thinking of home improvements,  or need to consolidate your debt? RACT Loans can help.

​​Car loans special offer! Rates from 5.99*% p.a. ​​(comparison rate 6.55%^p.a.)

With low rates, no ongoing fees and 24-hour fast approval RACT Finance will have you in the drivers seat in no time. 

Personal loan rates from 9.45% (comparison rate 9.98%^p.a.)​

Personal loan with 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.

Important information:

Privacy and credit reporting policy

Statement of notifiable matters

RACT Membe​​r 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 are speaking to one of our finance consultants about your next car loan.​

​Terms and c​​onditions

Conditions, fees and charges apply. Rate subject to change with​out notice. *5.99% special rate only applies to new car loans. Rates for used car loans may vary.^^For loans on new vehicles $15,000 and over, for home buyer or home owner applicants only.  ^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 Members receive 1% p.a. discount off their loan rate only. Member discount does not apply to the new car special rate. 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.

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 file below.

Financial Services Guide​

​In event of an issue with o​ur l​​oan 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.