RACQ Personal Loan

Borrow from $3,000 up to $60,000, with terms up to 5 years. Costs include interest charges, establishment fees and document preparation fees.

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By

Elizabeth Barry

Updated

Fact checked
RACQ Bank

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Key takeaways

  • Borrow $3,000 to $60,000 with RACQ personal loans, with terms available up to five years.
  • The RACQ personal loan often has no application or ongoing monthly fees.
  • Maintain a good credit history to improve your chances of loan approval.

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1 of 1 result
Checked 22 June 2026
Finder Score Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
RACQ Bank logo
Finder score
7.8 Great
RACQ Bank Personal Loan
Variable1 - 5 Years $3,000 - $60,000
Finder score
7.8 Great
Interest Rate (p.a.)
9.99%
Comp. Rate (p.a.)
10.16%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$967.87
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How to apply for a RACQ personal loan

Applying online is a straightforward process. You'll need to meet general eligibility requirements including:

  • Being at least 18 years of age
  • Being an Australian citizen or a permanent resident of Australia
  • Being in paid employment
You'll need to provide current address details and evidence of employment. Having a good credit history improves your chance of approval. Lenders often have additional requirements, which you'll be told during the application process.

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Sources

Elizabeth Barry's headshot
Journalist

Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024. See full bio

Elizabeth's expertise
Elizabeth has written 189 Finder guides across topics including:
  • Banking
  • Personal finance
  • Investing
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