Debt Consolidation

Trust RAA Finance to help you get back on track.

Mum dad and the kids bills 2


Tame your debt with an RAA Finance debt consolidation loan.

We can help make a stressful situation happier and help you on the road to managing your debt.

Debt consolidation loans with great rates and fast approvals, right here in SA.

If you are tied down with debt from credit cards, store cards or other loans, debt consolidation in the form of a personal loan can help manage the debt. A personal loan with a lower fixed interest rate makes paying off debt easier and provides a disciplined repayment structure by rolling several debts into one loan with one monthly repayment.

  • Want to know what your repayments will be? Check out our loan calculator!
  • All RAA Members save 1% p.a. off the standard interest rate, plus $100 off the establishment fee. Find out more. 


Why get an RAA Finance Debt Consolidation Loan?

approval within 7 working hoursGet on top of your debt quicker, with approval in 7 working hours*.

Cheques available within 24 hoursNo waiting around with funds available within 24 working hours*.

Travel and car loansGet in control now! Borrow from $8000.


Extra repaymentsFlexible for your lifestyle - choose a term from between 3 - 7 yearsChoose weekly, fortnightly or monthly repayments, and make extra repayments+.

Fixed interest rateCompetitive fixed interest rates for the life of the loan, meaning your repayments never change.

No monthly feesSave with no monthly fees on your loan.



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*Subject to applicants satisfying all conditions between 9:00am and 5:00pm Monday to Friday, excluding public holidays. Funds available via cheque and EFT within 24 hours provided that approved customers supply required documentation to RAA Finance by midday on any working day.

+ An early termination fee of $225 applies if loan repaid in first 2 years.

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


How much can I borrow?

No monthly fees

Prefer to chat?

Call us on 8202 8331, or drop into your local RAA Shop.