RACV Car Loans
Get over the hassle of running pillar to post getting your loans approved, paying high rates of interest and complicated repayment methods with RACV
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Key takeaways
- RACV offers new, used, green, caravan and boat loans. Each charges an upfront application fee but no monthly fees.
- RACV's green car loans usually have the lowest starting rates, followed by new car loans, while used car loans tend to start higher.
- Long-term RACV members can get a discount on their car loan rate, and the discount grows the longer they've been a member. It only applies if you apply directly with RACV, not through a broker.
With one membership card, you open up a large number of possibilities for channeling your money the right way and not missing out on even a cent of savings. It's not just a one stop shop for buying your car but also getting all the associated services in place.
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How we picked these
Finder Score for car loans
To make comparing car loans even easier we came up with the Finder Score. Interest rates, fees and features across 200+ car loan products and 100+ lenders are all weighted and scaled to produce a score out of 10. The higher the score, the more competitive the product.
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How to apply for a RACV car loan
When applying online for a car loan, you'll need to supply some key details:
- Details of the car you're borrowing for, include make, model, year and purchase price
- How much you're looking to borrow
- Your name, address and contact information
- Details of your employment and income
Compare other products from RACV
- RACV personal loans
- RACV travel insurance
- RACV home insurance
- RACV motorcycle insurance
- RACV caravan insurance
- RACV landlord insurance
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Hi there,
Are the same rates (car loan rates) applicable for purchasing a bike? Wanting to buy a used motorcycle. Thanks.
Cheers,
D
Hi Dave,
Thank you for leaving a question.
Bike rates are different from car loan rates but you may do a comparison by visiting our page for motorcycle loans which gives you the providers that could assist you on this. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have. Hope this helps!
Cheers,
Reggie
Hi, can I ask for personal loan of 100.000 and use it for holidays abroad? Thanks.
Hi Cat,
You can consider an RACV personal loan to use for a holiday, You can read our RACV personal loan review for more details.
Hope this helps,
Elizabeth
Hi,
Buying a new Jayco camper and am looking to finance some of it. Does the 6.99 apply to Caravan loans also?
Cheers
C
Hi Cameron,
Thanks for your question.
Yes the RACV car loan can be used to finance the purchase of a caravan. Please note that the interest rate is ‘from 6.99% p.a.’
Cheers,
Shirley
Hi, I’m currently on temporary business visa 457 (4 years visa) and I’m on the market for buying a car. What I want to know is do I eligible to get a loan from your company. Thank you
Hello edo,
thanks for the question.
The eligibility requirements of this loan include that applicants are Australian residents or citizens for tax purposes.
I hope this helps,
Marc.
Hi Marc,
How can I apply for pre-approved car loan?
Hi Edo,
Thanks for the question.
While not every lender will offer pre-approved car loans, you may refer to our guide on car loans that offer pre-approval and then contact them for more information. Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.
Cheers,
Marc
Hi Marc,
thanks for the answer.