Personal Loans

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South Australians have trusted RAA for over 110 years on the road. With our rich motoring heritage, it makes sense to trust us when buying your new car. RAA Finance loans have competitive rates and no monthly fees which means you're not paying extra. If you're an RAA member you can benefit from 1% p.a. discount off the standard rate and $100 off the establishment fee.

Get an online quote or call 8202 8331

RAA Finance can lend you just about any amount of money at great interest rates

You can take out one of our personal loans for any worthwhile purpose, such as:

Want to know what your repayments will be? 

Fortnightly repayments
Member rate
10.75% p.a.
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1. Amount to borrow
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2. Loan term
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The results provided by this calculator are an approximate guide only and may not correspond to the operation of RAA Finance's credit products. This calculator, or the results generated, do not constitute any agreement by RAA Finance to provide credit. Loan costs include $255 members establishment fee and $8.00 Personal Properties Securities Registration (PPSR) fee applicable to loans secured by a motor vehicle. Interest rates may be subject to change.

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 Personal Loan?

Finance Facts 

 Handy links:


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

^Comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of 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.  

+ 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. 

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

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.