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Personal finance

  • Fast approval
  • Member discounts
  • No monthly service fees
Apply now
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Credit Guide

Dreams come in all shapes, sizes and budgets

Apply for a secured personal loan with RACT Finance and make your dreams happen sooner than you imagine.

  • Boat

  • Car

  • Trailer

  • Caravan

  • Motorbike

  • Personal

  • Holiday

  • Home improvement

With only 3 easy steps, we take the hassle out of applying.

  • Fill in the form

    We need to know a bit about you.

  • Get approval

    We'll work as quickly as possible to provide an answer on your application following submisson.

  • Get your money

    We’ll call you to work out the details. Usually you’ll have your money within 24 hours.

Need more reasons to go with us?

  • Fast approval

    Once approved, we’ll give you your funds. For most loans, the money will be in your hands within 24 hours.

  • Member discounts

    Our members get a 1% p.a. discount on loan rates, excluding the new car special rate.

  • Flexible repayments

    Wide range of finance options and no ongoing fees meaning a lower monthly repayment for you.

Loan Calculator

Planning your budget? Use the loan calculator to calculate your repayments.

Your estimated monthly repayment$

Apply now

Or call 13 27 22, Monday to Friday 9am - 6pm.

Customer help