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Family packing up the car before a holiday.

Travel loans

Take your dream holiday a little bit earlier with an RACV travel loan

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How to apply
Calculate your repayments
Why choose RACV
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Terms and conditions
Frequently asked questions

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Travel loans from 10.69% (comparison rate 11.42% p.a.)^

Turn your dream holiday into a reality with an RACV travel loan. Wherever you plan to go next, we’ll help you get there with financing options.

Apply online in just 10 minutes. All you need is your personal details, employment, income, assets, liabilities and expenses.

If you’re an RACV Member, you’ll also be entitled to savings on your loan.

Apply now or get in touch

It's easy, secure and only takes around 10 minutes to apply.

Apply online anytime, or contact our team: Monday to Friday, 9am - 5pm.

How to apply for a travel loan

  • Apply for a loan in about 10 minutes

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

  • Get a response usually within 24 hours

    We'll review the application and get back to you as quickly as possible.* 

  • Get your funds within 24 hours of approval

    Once approved, we’ll call you to work out the details. In most cases you should get funds within 24 hours.

Calculate your repayments

Estimate your monthly or fortnightly repayments on your travel loan^.
You can also choose to pay weekly.

Take your trip sooner with RACV Travel loans

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.

Support every step of the way

Terms and conditions

^ 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 is only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts will result in a  different comparison rate.

** Years of Membership benefit applies to all consumer loan applications (subject to approval) made directly through RACV. Any loan application introduced through a broker/intermediary will not be able to receive the discount.

A Target Market Determination is a document which describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers. It also describes the events or circumstances where we may need to review the Target Market Determination for a loan product. View the Target Market Determination for RACV Secured Personal Loan (197kB), RACV Unsecured Personal Loan (184kB), and RACV Green Car Loan (PDF 194kB).

Prepare for your next trip

Frequently asked questions

You will need to supply your personal details, including your driver's licence number, employment details, assets, liabilities and income. We will verify this information with you later.

Approval times can vary, though we aim to provide an answer on your application as quickly as possible. Usually, once you’ve signed the paperwork, you will receive the funds within 24 hours.

By direct debit or BPAY. Loan repayments will automatically be taken from your chosen bank account every month or fortnight.

We understand anyone can experience financial difficulty. Different life events like illness, losing a job, relationship breakdown or emergency events like natural disasters can cause you to experience financial hardship. Learn more about financial hardship and how RACV can help.

Yes, our Years of Membership Benefits discount** applies to all approved loans made directly to RACV.

Here's the annual discount for RACV travel loans, based on years of membership:

  • Bronze (5 - 9 years) receive 5% discount on applicable rate
  • Silver (10 - 24 years) receive 10% discount on applicable rate
  • Gold (25 - 50 years) receive 15% discount on applicable rate 
  • Gold 50 (50 + years) receive 20% discount on applicable rate

Keep in mind, any loan application introduced through a broker or intermediary will not be eligible to receive the Member discount.

If you're not a Member but end up taking out a travel loan with RACV, you'll then have access to a range of member benefits, from discounted tickets to exclusive deals.

*R.A.C.V. Finance Limited ABN 82 004 292 291 Australian Credit Licence No. 391488. RACV Finance is subject to RACV lending criteria. Conditions, fees and charges apply.

The information provided is general advice only. Before making any decisions please consider your own circumstances and the Product Disclosure Statement and Target Market Determinations. For copies, visit racv.com.au. RACV Travel Insurance issued by Tokio Marine & Nichido Fire Insurance Co., Ltd ABN 80 000 438 291 AFSL 246 548. Terms & conditions apply, refer to the PDS. Royal Automobile Club of Victoria (RACV) Ltd AR 001243563 is an authorised representative of the issuer and receives commission for each policy sold or renewed.