Our members get our lowest rate
As a valued member of the RAC, we're able to offer you a great low rate of just 3.9% APR representative.*
We're always looking for ways to make motoring more affordable for our members, so an RAC Loan could be ideal if you're looking for that new car. If you're not in the market for a new car an RAC Loan could also help towards some home improvements or make that holiday of a lifetime a reality.
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.
Personal loans range from £2,500 to £25,000, for a term of 2 to 5 years
3.9% APR representative* on loans between £7,500 and £10,000
Quick online application and an instant decision
Funds into your nominated bank account, usually within 24 hours
Fixed monthly repayments
No arrangement fees
Representative example: Cash price £7,500. Deposit £0. Amount of credit £7,500. 60 monthly repayments of £137.55. Total amount payable £8,253.00 Interest rate 3.9% fixed.3.9% APR Representative.
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.
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 HPI 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.
* The rate you're offered may vary due to personal circumstances and the loan amount. This loan is not permitted for business use.
1 10% of all customers buying Car Insurance Plus with us from 1st November 2014 to 30th April 2015 paid less than £165. 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 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 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.