Sales enquiries: 0330 159 1111

Personal Loans

Borrow up to £25,000 from a brand you can trust

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RAC Loans are provided by Shawbrook Bank Limited. RAC Loans is a trading name of RAC Financial Services Limited who are acting as a credit broker

A loan as personal as you

Whether you’re looking to buy a car, renovating your home or reorganising your finances, we’ll give you an instant decision and approved funds in your bank within 3 days.

  • Quick online application
  • Instant decision
  • Funds within 3 days
  • Fixed monthly payment
  • Early repayment at any time
  • Repayment over 1 to 7 years**
  • Application won't impact your credit rating

Quick online application

Instant decision with same day approval

No up front fees

At RAC Loans we make sure you have complete clarity and certainty from the outset to help you balance your budgets. Clear and simple, with great service to match.

Are you eligible?

  • Available for members and non-members
  • Aged over 21 and under 75
  • A UK resident for a minimum of 3 years
  • Minimum annual income of £15,000
  • Home owner or tenant

* The rate you are offered will depend on your individual circumstances. All loans are subject to status. The interest rate offered will vary depending on our assessment of your financial circumstances and your chosen loan amount. If you are declined for an RAC loan, you may, subject to status, be offered a loan from our partner Fluent Loans Ltd. To view how your data will be used, the RAC Loans Privacy Policy can be viewed here.

** Terms over 60 months only available on balances over £15,000.

Representative Example: for comparison purposes

Fixed 10.9% APR Representative based on a loan of £7,000 repayable over 60 Months. Monthly payment of £150.08 total amount repayable £9,004.80

Borrow £7,000 for a new car, for only £151 per month*

Apply now for you personalised, no-obligation quote

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Ratings for Shawbrook Bank, provider of RAC Loans

Feefo Independent Service Rating Best Unsecured Loan Lender 2016 - Financial Reporter

Do you want same day approval?

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RAC Loans is a trading name of RAC Financial Services Limited who are acting as a credit broker. Registered in England and Wales no. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services Limited is authorised and regulated by the Financial Conduct Authority. RAC Loans are provided by Shawbrook Bank Limited, Registered Office: Lutea House, Warley Hill Business Park, The Drive, Great Warley, Brentwood, Essex CM13 3BE. Registered in England, Company Number 388466. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.