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Find the right car loan

With RACV's wide range of car finance options and our handy car loan calculator, you can buy a new or used car sooner. It's quick and easy to apply and, when you apply directly to RACV, all car loans come with RACV's 21-day Loan Satisfaction Guarantee^^ plus free RACV premium roadside assistance for eligible loans.

Choose from loan options for new cars, second hand cars, electric vehicles or caravans.

Our team is available Monday to Friday, 9am - 5pm.

Get pre-approval before you decide on your car

You don’t need to know exactly what car you’re buying with our pre-purchase approval available. 

Choose the loan to suit your car

New car loans

  • Interest rates from 7.29% p.a.* Comparison rates from 8.00% p.a.^
  • Vehicles up to 3 years old (new and demo)
  • Maximum loan term of 7 years
  • No ongoing fees
  • Dealer/private sale acceptable
  • Pre-purchase approvals available
  • Free Total Care Roadside Assistance for 2 years.

Used car loans

  • Interest rates from 8.49% p.a.* Comparison rates from 9.21% p.a.^
  • Vehicles up to 20 years at beginning of loan term
  • Maximum loan term of 7 years
  • No ongoing fees
  • Dealer/private sale acceptable
  • Free Total Care Roadside Assistance for 2 years.

Green car loans for EVs

  • Interest rates from 5.79% p.a.* Comparison rates from 6.49% p.a.^
  • New or used battery electric vehicles
  • Maximum loan term of 7 years
  • No ongoing fees
  • Free Total Care Roadside Assistance for 3 years.

^Important information about the comparison rate.

How to buy a car with RACV loans

  • Apply for loan in about 
10 minutes

    Apply online or call 13 15 60. Have personal details, income, assets and expenses ready. Include car details if available.

  • Get a response usually within 24 hours

    We'll review the application and get back to you as quickly as possible.* Pre-approval available before you decide on your car.

  • Get your funds within 24 hours of approval

    Once approved, we’ll call you to work out the details. When your car is ready, you should get funds within 24 hours.

Calculate your repayments

Estimate your monthly or fortnightly repayments on your car loan^.

You can also choose to pay weekly.

Enter an amount between $5,000 and $100,000

Enter a rate between 4% to 18%

Enter a term from 1 to 7 years

Your estimated repayment

$498/month*Your estimated repayment $498 /month*

Why choose an RACV car loan?

Fast approval

If successful, you should receive funds within 24 hours of your approval.

Easy to apply

You can apply online or call 13 15 60. It's secure and will take around 10 minutes to complete.

Members can save more

Eligible members get lower interest rates when applying directly to RACV, thanks to our Years of Membership Discount.**

No ongoing fees

That means lower monthly repayments for the duration of your loan.

Helping you choose the right car

Explore thousands of car reviews

Whether you’re buying your first car or planning an upgrade, checking out the latest car reviews will help you make in informed decision.

Read car reviews

Get your car inspected

Buy a car with peace of mind and avoid any surprises, with our RACV pre-purchase vehicle inspections from expert mechanics.

Get a vehicle inspection

Support every step of the way

Satisfaction guarantee

Our 21-day Loan Satisfaction Guarantee^^ gives you peace of mind.

If you take out a consumer loan with RACV Finance and are not completely satisfied, you can repay the borrowed amount within 21 days and we'll cancel your loan without penalty. We'll also refund any interest and waive fees.

Terms and conditions

Frequently asked questions

Other loans we offer

Caravan loans

Planning a trip around Australia? 

See more of the country sooner with RACV caravan loans from 7.49%* (comparison rate 8.20%^ p.a.)

Boat loans

Found the perfect boat? 

Get out on the water sooner with RACV boat loans from 10.69%* (Comparison rate 11.42%^ p.a.)

Personal loans

Whether it’s a new deck or a swimming pool, RACV secured personal loans help make it a reality.

Explore secured personal loans from 10.69%* (comparison rate 11.42%^ p.a).


^Important information about the comparison rate.

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