RAC Car Finance

Finding you the best finance deal for the car you love

Why get an RAC Loan?

  • Quick online application
  • Instant decision
  • No hidden fees
  • Personalised APR
  • Flexible repayment options

Are you eligible for an RAC Loan?

  • Open to members AND non-members
  • You’re aged over 21 and under 75
  • You've been a UK Resident for 3 years
  • You have a minimum annual income of £15,000

RAC Personal Loan

Whether you’re looking to buy your dream car, family run around, or commute to work, at RAC we know that one size doesn’t fit all when it comes to Car Loans. That’s why we give you an interest rate personal to you based on your own circumstances. Our soft search quote tool lets you find the right deal without affecting your credit record, helping you to stay in control of your borrowing.

With an RAC Personal Loan we make sure you have complete clarity and certainty from the outset to help you balance your budgets. Clear and simple, with great service to match. Just fill in our simple quote form to tell us a few details about yourself. Don’t worry this won’t affect your credit record.

RAC Flexiloan

When it comes to buying your next car, at RAC we want to make it easier for you to buy the car that you really want. Are you after a bigger car to meet the needs of your growing family, or do you dream of that new sports car sitting on your driveway? With an RAC Flexiloan you borrow the amount that you need to buy your car, you make reduced monthly payments and at the end of your agreement you have a final repayment with flexible options. You can chose to keep the car and pay-off the final repayment, look to spread the cost over a further loan period or sell your car and use the proceeds to settle your final repayments and be ready to start again with a new car. Just like an RAC Car Loan, with Flexiloan you still own the car outright from the moment you buy it – keeping you in control of your car buying.

With an RAC Flexiloan you still get the same great service as an RAC Car Loan, with a personalised APR so you can see your chances of being accepted before you apply, and a quote that won’t affect your credit score.

Car finance comparison table

  • RAC Personal Loan
  • RAC Flexiloan
  • Dealer Finance (PCP)
  • Do I need an upfront deposit?
  • Do I own the car from day 1?
  • Are my monthly payments fixed?
  • Do I have a deferred final repayment?
  • Are there excess mileage conditions?
  • Could my car be repossessed?
  • Is the car mine at the end of the agreement?