RAC Loan

At RAC loans we help you find the loan you need when you need it. We offer a wide range of loans and we have what you need.

We take care of our customers by offering not only car finance but also car insurance, car valuations, car break down cover, fixed price service plan, and advice on what happens after car finance. RAC warranties - gives you the reassurance you can recover if something happens to your vehicle. We also offer a wide variety of car-related products for your convenience and peace of mind.

A range of financial solutions

Our well-stocked online shop sells a few things that you might like to know about, such as car batteries, wiper blades, oil, anti-freeze, car cleaning products, car travel kits and tools. We also offer free advice and have videos to help you look after your investment.

Find a garage near you with our garage finder, all Rac approved garages provide excellent service. These approved garages and repairers also do MOT tests. These costs or repairs and services can be spread out into smaller fixed payments with our fixed price service plan. Now that you know your car is safe with us and we have you covered in almost every way, let’s get you that car.

We offer car loans from 1,000 pounds to 25,000 pounds, with fixed payments over a term chosen by you. With rates from 3.1% APR and a wide variety of lenders available, you will get great value for money. Our credit checks with not affect your credit score.

You must be a UK resident, you must be 18 years old and over, you must have an annual income which you can prove, and you must have a personal bank account in the UK to apply for our personal loans.

We also need to know a few things about you, and keeping your personal information on hand will save you time.

We offer a lot, but there is more!

1. A quote from us will not affect your credit score
2. You can receive your funds the same day you applied, though sometimes it can take up to 5 days
3. Interest rates as low as 3.1% APR with a maximum of 49.9% APR
4. Personalized rates based on your individual circumstances
5. A loan calculator that will work out how much you will need to pay monthly, with the amount you chose over the time period you chose. You can change the amount of time to find a balance you can afford.
6. We offer advice for many different types of a car finance, from a personal loan, leasing, or hire purchase.
7. Vehicle history check - was it stolen, written off, scrapped, millage discrepancies and more.
8. No obligation on our quotes
9. An eligibility checker test is taken online
10. Car reviews and information before buying that car, you can also view the cars we have available for sale
11. How much is your car worth? We offer free valuations
12. Vehicle inspections – we have 3 options that will fit your needs.
13. A list of approved dealers that are safe to buy from.