Loans

Interest Rates and Fees

RAA Members enjoy 1% p.a. off the standard interest rate and $100 off the establishment fee.

Not an RAA Member? Join here.

Secured loans interest rates
Loan amount Member interest rate Comparison rate*
$35,000 and over 5.95% p.a. 6.22% p.a.
$25,000 - $34,999 6.45% p.a. 6.72% p.a.
$15,000 - $24,999 7.55% p.a. 8.05% p.a.
$8,000 - $14,999 9.05% p.a. 10.38% p.a.
Unsecured loans interest rates
Loan amount Member interest rate Comparison rate*
All unsecured loans 13.05% p.a. 14.40% p.a
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Important information about Comparison Rates

* Comparison rates for secured loans between $8,000 and $14,999 and all unsecured loans are based on a $10,000 loan over 3 years. Comparison rates for secured loans between $15,000 and $24,999 are based on a $20,000 loan over 4 years. Comparison rates for secured loans over $25,000 are based on a $30,000 loan over 5 years. The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

For loan terms and conditions, please download the T&Cs here

RAA Finance loans are provided by RAC Finance Limited ABN 77 009 066 862 Australian Credit Licence 387972 and are subject to RAC Finance lending criteria; conditions, fees and charges apply.  Royal Automobile Association of South Australia Incorporated ABN 90 020 001 807 credit representative number 466848 is an authorised representative of RAC Finance Limited.

If you have any queries regarding your existing loan with Motoring Club Finance Limited, t/a RAA Finance, please call 1300 651 812 or email finance@raa.com.au

 

You'll save money on your personal loan if you join as an RAA Member! Join here.

Secured loans interest rates
Loan amount Non-Member interest rate Comparison rate*
$35,000 and over 6.95% p.a. 7.36% p.a.
$25,000 - $34,999 7.45% p.a. 7.86% p.a.
$15,000 - $24,999 8.55% p.a. 9.32% p.a.
$8,000 - $14,999 10.05% p.a. 12.06% p.a.
Unsecured loans interest rates
Loan amount Non-Member interest rate Comparison rate*
All unsecured loans 14.05% p.a. 16.11% p.a.
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Important information about Comparison Rates

* Comparison rates for secured loans between $8,000 and $14,999 and all unsecured loans are based on a $10,000 loan over 3 years. Comparison rates for secured loans between $15,000 and $24,999 are based on a $20,000 loan over 4 years. Comparison rates for secured loans over $25,000 are based on a $30,000 loan over 5 years. The comparison rates are true only for the examples given and may not incude all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

 

RAA Finance loans are provided by RAC Finance Limited ABN 77 009 066 862 Australian Credit Licence 387972 and are subject to RAC Finance lending criteria; conditions, fees and charges apply.  Royal Automobile Association of South Australia Incorporated ABN 90 020 001 807 credit representative number 466848 is an authorised representative of RAC Finance Limited.

If you have any queries regarding your existing loan with Motoring Club Finance Limited, t/a RAA Finance, please call 1300 651 812 or email finance@raa.com.au

 

 

With RAA Finance there are no monthly account keeping fees.

 Rates & Fees table