Sales enquiries: 0330 159 1111

RAC Loans

Excellent credit quality customers could receive a better APR than advertised

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.

  • icon9.2% APR representative*
  • iconQuick online application and an instant decision
  • iconFunds could in your account in the next working day

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.

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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 £5,000 over 5 years

  • Monthly repayment £103.39 (x60)
  • Total credit charge£1203.40
  • Total payable £6,204.40
  • Interest rate 9.2% fixed
  • APR Representative 9.2%

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.