Sales enquiries: 0330 159 1111

RAC Loans

RAC Personal Loans

Take advantage of our great:
3.8% APR
representative rate for loans between
£7,500 and £15,000

Apply now
RAC Loans are provided by Hitachi Capital (UK) PLC. RAC Loans is a trading name of RAC Financial Services Limited who are acting as a credit broker.

You could borrow £7,500 from as little as £137.22 a month* and get free RAC Breakdown Cover

Are you looking to buy a new car, hoping to make some home improvements or planning a special celebration? An RAC Loan could provide you with the finance you need at a great low rate.

Plus if you take out a loan today we will give you 12 months free RAC Breakdown Cover. We'll send you details of how to claim within a few days of paying the loan into your account.


  • iconRates from 3.8% APR representative
  • iconQuick online application and an instant decision
  • iconFREE 12 Months of Breakdown Cover

We can provide personal loans from £2,500 to £25,000 for a term of 2 to 5 years. 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.

Apply now

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
  • You have a good credit history

The rate you're offered may vary due to your personal circumstances and amount you wish to borrow. Please be aware RAC Loans are not permitted for business use.

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*Representative example based on borrowing £7,500 over 5 years

  • Monthly repayment £137.22 (x60)
  • Total credit charge£733.20
  • Total payable £8,233.20
  • Interest rate 3.8% fixed
  • APR Representative 3.8%

Loan calculator

Use our loan calculator to see how much you could borrow and what your monthly repayments would be.

How much would you like to borrow?


Over how long?

24 months60 months

Your monthly payment:


Length of loan:

000 months

Interest rate:

000% APR representative

Total amount payable:


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Loans are provided by 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 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. All rights reserved.

12 months complimentary RAC Breakdown cover is provided to RAC loan agreement customers and will consist of single, Vehicle Based Roadside & Recovery cover for one vehicle. 12 months complimentary breakdown cover cannot be activated while in a breakdown situation. At the end of your 12 months complimentary cover you will be automatically renewed to an annual membership, using the payment details you gave us when signing up. Your membership will automatically renew each year on a continuous basis. If you exercise your right to withdraw and cancel your loan within the first 14 days of signing your loan agreement your breakdown cover will be cancelled. Offer cannot be used in conjunction with any other offer and may be withdrawn at any time.

Breakdown cover provided by RAC Motoring Services (Registered No 01424399) and RAC Insurance Ltd (Registered No 2355834). Registered in England; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. Arranged, sold and administered by RAC Motoring Services who is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities only. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.