RACQ personal loans

Find competitive secured and unsecured personal loan options with RACQ.

Are you looking to purchase a new or used car? How about consolidate debt across existing loan accounts, take a holiday or even make a number of smaller purchases? RACQ might have a personal loan to meet your needs. It offers both secured and unsecured personal loans that can be in your account 24 hours after you've been approved. With competitive rates and no monthly fees, these loans come with a number of benefits. Find out if they're right for you in the guide below.

RACQ Unsecured Personal Loan Offer

RACQ Unsecured Personal Loan

12.95 % p.a.

variable rate

13.25 % p.a.

comparison rate

  • Competitive fixed interest rates
  • Optional pre-approval available
  • Ability to make extra repayments
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RACQ Unsecured Personal Loan Offer

You'll get access to a competitive rate and loan pre-approval with this unsecured loan offer from RACQ

  • Interest rate: 12.95% p.a.
  • Comparison rate: 13.25% p.a.
  • Interest rate type: Variable
  • Application fee: $200
  • Minimum loan amount: $3,000
  • Maximum loan amount: $60,000
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Comparison of RACQ Personal Loans

Rates last updated July 18th, 2018
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
RACQ Unsecured Personal Loan
12.95% (variable)
5 years
Apply for up to $60,000 to use for a variety of purposes end enjoy no penalty for early repayment. Note: You must be a QLD resident to apply.
RACQ New Car Loan
6.17% (fixed)
7 years
A low fixed rate loan from RACQ suitable for buying a new car. Note: Loan only available to QLD residents.
RACQ Used Car Loans
8.95% (fixed)
5 years
Benefit from a competitive fixed rate and a 21-day satisfaction guarantee when purchasing a used car. Note: Loan only available to QLD residents.

Compare up to 4 providers

RACQ offers the following personal loans to suit your financing needs:

      • RACQ Unsecured Personal Loan. Go on a holiday, purchase furniture, make home renovations or anything else you like with the unsecured loan options. Fixed rates start from 12.95% p.a. and you can find out if you've been approved 24 business hours after you've applied. This loan is also suitable for consolidating debt.

      What features come with an RACQ personal loan?

      RACQ personal loans come with a number of benefits, including the following:

      • Fixed interest rate. The secured and unsecured loan options from RACQ come with fixed interest rates, helping you to budget your repayments during your entire loan term.
      • Loan terms and loan amount. You can apply for loan terms between one and seven years. For the secured loan, you can apply for up to $100,000 and up to $60,000 for the unsecured loan.
      • Pre-approval. Secure pre-approval so you can purchase with confidence – available with both the secured and unsecured loans. You can find out if you've been pre-approved 24 hours after you apply.
      • Flexible loan purposes. Pay for education expenses or even consolidate existing debts with the loans. You can have your choice of loan so you opt for the one that suits your needs.
      • Fast loan turnaround. You find out if you've been approved in 24 hours, or if you've applied for pre-approval you can find out in five hours. You will receive your loan 24 hours after this.
      • 21-day satisfaction guarantee. If you change your mind about the loan for any reason, return the borrowed amount within 21 days and pay no penalty.

      What other products does RACQ offer?

      RACQ also offers a suite of products and services you can consider. These include:

      • Car loans. As a vehicle-focused company, you can finance your vehicle with RACQ's new or used car loan. Competitive rates and fees are on offer.
      • Insurance. If you're in the market for cover, RACQ offers car insurance CTP, caravan and trailer insurance, and also travel insurance.
      • Roadside assistance. If you're a member, you can call on the RACQ if your car breaks down, if you need a tow, a tyre change or even emergency fuel.

      How you can apply for a personal loan with RACQ

      After comparing your loan options above and settling on the loan option that's right for you, you can click "Go to Site" to get the application started. The minimum eligibility criteria is:

      • You're over the age of 18
      • You're an Australian citizen, permanent resident or on an approved working visa (for the secured loan)
      • Have a good credit rating

      If you meet these criteria you may be eligible to apply. Make sure you have the following documents on hand to complete your application:

      • Personal details. Your name, contact information and proof of ID.
      • Employment information. Your employer's name and contact details plus how long you've been employed there.
      • Financial details. Your income, debts, assets and liabilities.

      Once you've sent through this information you will find out if you've been approved soon

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Important Information*
HSBC Personal Loan

A competitive fixed interest rate loan with the option to make extra repayments. Rates range from 9.5% p.a. to 15.99% p.a. based on your credit history.

Harmoney Unsecured Personal Loan

Interest rates are tailored to each applicant individually, and start from as low as 6.99% p.a. to 26.95% p.a.. based on your credit history.

SocietyOne Unsecured Personal Loan

Based on your risk profile, you will receive a tailored rate between 7.5% and 20.49% with a SocietyOne personal loan.

Latitude Personal Loan (Unsecured)

An unsecured loan with a tailored rate from 13.99% p.a. to 29.99% p.a. designed for multiple purposes including renovating, buying a car or travelling.

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