Sales enquiries: 0844 891 3111


RAC Loans Provided by Hitachi Personal Finance

RAC Personal Loans

Take advantage of our great
5.1% APR
representative* rate for loans between £7,500 and £15,000

Apply now

RAC Member Loans

Our lowest personal loan rate
4.9% APR
representative* for loans between £7,500 and £15,000

Apply now
4.9% APR representative*

Why choose an RAC Personal Loan?

Looking to buy a new car, hoping to make some home improvements or dreaming of that holiday of a life time? An RAC unsecured loan could provide you with the finance you need at a great low rate.

Use our loan calculator to see how much you could borrow and what your monthly repayments would be. Our easy online application takes just minutes to complete and the funds could be in your account the next working day. With no set up fees or hidden charges, it couldn't be simpler.

Key features:

  • Personal loans range from £2,500 to £15,000, for a term of 2 to 5 years
  • 5.1% APR representative* on loans between £7,500 and £15,000
  • Quick online application and an instant decision
  • Funds in your account the next working day
  • Fixed monthly repayments
  • No arrangement fees

Representative example: Cash price £7,500. Deposit £0. Amount of credit £7,500. 60 monthly repayments of £141.47. Total amount payable £8,488.20. Interest rate 5.1% fixed. 5.1% APR Representative.

Are you eligible?

You could be eligible for an RAC Loan if:

  • You're 18 or over
  • You hold a bank or building society account
  • You've been a permanent UK resident for a minimum of 12 months
  • You're in permanent paid employment, self-employed or retired with a pension
  • Have a good credit history

Using your loan to buy a new car?

If you're looking to use an RAC loan to buy your next car, why not take advantage of an Car Data Check or RAC Vehicle Inspection so you can drive away with confidence.

To help find a used car you can rely on, search the thousands of quality cars advertised online at RAC Cars. We only work with carefully selected dealers who prepare their vehicles to the highest standards and all cars come with free breakdown cover and an RAC warranty for even more peace of mind.

Apply now

Loan Calculator



Your quote

Your monthly payment could be:

  • Term:
  • Interest rate:
  • Total amount payable:
4.7% APR representative*

Our lowest loan rates for RAC members...

... if you're not already a member the savings you'll make on your loan could easily cover the cost of your first year's RAC membership.

Our Breakdown Cover starts from just £27.991 but given you could save £52.802 with our great low rate it's clear to see that we could make your money go further.

Join the UK's most experienced breakdown provider today.

Join now

* The rate you're offered may vary due to personal circumstances and the loan amount. This loan is not permitted for business use.

1 £27.99 is based on RAC vehicle based Roadside cover (1 vehicle) purchased online with payment on a continuous annual basis.

2 The saving of £52.80 is based on a £10,000 loan taken over 5 years at a 4.9% APR representative (RAC member rate) compared to that of 5.1% APR representative (non-member rate) also based on a £10,000 loan taken over 5 years. The rate you are offered may vary due to personal circumstances and loan amount.

RAC Loans are provided by Hitachi Capital (UK) PLC. "Hitachi Personal Finance" is a division of Hitachi Capital (UK) PLC. 2 Apex View, Leeds LS11 9BH. Hitachi Capital (UK) PLC is authorised and regulated by the Financial Conduct Authority. RAC Loans is a trading name of RAC Financial Services Limited. 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. All rights reserved.

Breakdown Cover provided by RAC Motoring Services Registered No 01424399 and/or RAC Insurance Ltd Registered No 2355834. Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services is authorised and regulated by the Financial Conduct Authority. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.