Sales enquiries: 0330 159 1111

Car Loans

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personalised loan rate in just 3 minutes

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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 your dream car, family run around, or commute to work, at RAC Loans we know that one size doesn’t fit all when it comes to car finance. That’s why we give you an interest rate personal to you based on your own circumstances, so you can see your chances of being accepted before you apply, helping you to stay in control of your borrowing.

Feefo Independent Service Rating

Rating for Shawbrook Bank, provider of RAC Loans

Quick online application

See your chances of being accepted with an instant decision and approved funds in 3 days

Fixed monthly payment

Borrow up to £35,000 over 1 to 7 years** and repay early whenever you want

No impact to your credit score

Our soft search tool lets you find the right deal without affecting your credit record

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. Just fill in our simple quote form to tell us a few details about yourself. Don’t worry this won’t affect your credit record.

Borrow £7,000 for just £151 per month*

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Representative example: fixed 10.9% APR Representative based on a loan of £7,000 repayable over 60 months. Monthly payment of £150.08 total amount repayable £9,004.90

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

Rating for Shawbrook Bank, provider of RAC Loans

RAC Car Insurance for under £172

Borrow up to £35,000 with no hidden fees*

From a brand you can trust

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* The rate you’re offered will depend on your individual circumstances. All loans are subject to status and available to UK residents aged 21 and over with a minimum annual income of £15,000. 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 see how your data will be used, view the RAC Loans Privacy Policy.

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

^ 10% of all customers buying Car Insurance Plus with us from 1st July 2016 to 31st December 2016 paid less than £172. Based on comprehensive Car Insurance Plus, purchased direct, excluding any additional products and upgrades, with payment on an annual basis. Your premium will depend on your circumstances and the level of cover you choose.

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.

RAC Insurance 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 Car Insurance and RAC Home Insurance are aranged and administered by BISL Limited, which is an independent intermediary, and is underwritten by a panel of insurers. Registered in England No. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.