Rating based on 22 reviews



  • Vehicle finance up to £25,000
  • Low-interest starting from 3.4%
  • Repayment up to 7 years

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Author RAC. Screenshot of RAC website. [Accessed September 4, 2019]

About RAC

The RAC is one of the UK’s most progressive motoring organizations and can assist with a variety of services.

Purchasing a car is a costly undertaking and also a huge responsibility. As a result, you need to find the best lender to help you to finance your new vehicle: a lender that you can trust.

Who are we at the RAC?

The RAC has been around since 1897 and has over eight million members assisting both private and business motorists. While the RAC might have started as a roadside assistance company, we have grown and expanded to a variety of vehicle-related services including insurance, vehicle finance loans and breakdown cover among others. If you have bad credit, we have a package to get you out. We are committed to making motoring easier, safer and more affordable for all drivers in the UK.

What makes us a good vehicle finance lender?

We offer a soft search quote option in which you can complete a simple online application form. It will only take you three minutes and you will know the amount of money that you can access and the interest rate you will be charged. This entire process will also not affect your credit score in any way. With us, car finance is simple, transparent and has no hidden costs making us the perfect lender for your vehicle needs.

RAC Services

Finding companies to cover all the different vehicle needs that you require can be exhausting which is why we offer a majority of popular services under one roof.

We offer a variety of car loans that are fair, affordable and flexible according to the needs of the borrower.

RAC personal loans can be your solution

With a RAC personal loan, you can access up to £35,000 in finance spread over a period of one to seven years. Our monthly payments are fixed allowing you to budget more easily. The interest rate that you are charged will greatly depend on your financial circumstances, the amount that you are borrowing and the borrowing period. You can also choose between repayment periods, short-term loans and longer-term loans.

Get flexible with a RAC Flexi-loan

A RAC Flexi-loan is similar to a personal contract purchase. You decide on the final repayment amount that you would like to make and then the monthly repayments will be calculated and spread over a period of two to four years. You will not have to pay any mileage costs and you also own the car from the start of the loan. This is a more flexible option which allows you to better plan your finances.

RAC Product Details

  • Loan Type Vehicle finance
  • Interest Rate from 3.4%
  • Loan Amount up to £25,000
  • Repayment 1 year to 7 years

Summary of Services

  • Quick funds
  • Access to multiple lenders
  • Get a quote with no effect on credit score

With RAC, you get vehicle finance and much more

Travelling can involve a bunch of nitty-gritty little frustrations. We aim to reduce stress and offer you instant loan options to make your life simpler and easier.

This is why we have a RAC mobile application for users to access while on the go. We also offer pet travel care essentials to make travelling with your pet easier for you and your furry friend.

Mobile application for users on the go

You never know when you will need our assistance which is why members can now download the RAC mobile app for their Smartphone or tablet either from the Apple Store or the Play Store. The app allows you to have access to our services anytime and anywhere. Some of our nifty gadgets include a route planner and traffic updates all at your fingertips to allow you to travel in a stress-free environment.

The rescue me function

If you have experienced a breakdown and are uncertain of your location, the ‘rescue me’ function allows us to track and find you easier. Even if you are not a member you can still make use of our app but being a member will allow you access to more benefits so join the family today.

RAC makes travelling with your pet safer

Whether you want to take your pooch to the vet, along with on a vacation or simply drive to the park to take them for a walk we have a variety of accessories to make your travel experience safer for you and your companion. Our pet carriers and dog crates secure your pet safely in the vehicle and allow you to drive without distraction.

We also have a range of seat covers to protect your seats from hair, dirty paws or puppy accidents as well as various leads and harnesses to make walking more enjoyable.

Customer Reviews & Testimonials

March 2019

I need a loan to get the car I want and RAC gave it to me.

Ross F
— Cardiff —

May 2019

I got a loan that didn't stress my budget

Jonathan K
— London —

RAC Contact Details

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 07:00 – 22:00
  • Tuesday 07:00 – 22:00
  • Wednesday 07:00 – 22:00
  • Thursday 07:00 – 22:00
  • Friday 07:00 – 22:00
  • Saturday 08:00 – 20:00
  • Sunday 09:00 – 19:00