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Author RAC. Screenshot of RAC website. [Accessed May 15, 2020]

About RAC

We have been providing expert financial service since 1897, and we currently have more than eight million members.

Proudly based in the UK

Headquartered in Birmingham, RAC is proud to be the UK's most progressive motoring organisations and we assist both private and business motorists with the financial motor services they require.

We believe that we are the pioneers within our industry, and we also believe we have the world's most advanced computer systems to deal with roadside assistance calls.

Forefront of motoring services

Since our establishment in 1897, we have been at the forefront of developing motoring services.

This started from introducing uniformed patrols in 1901 to roadside emergency telephone boxes in 1912 to the amble services we have available today. We are also proud of our record of repairing four out of five vehicles at the roadside.

Our commitment

Our first and foremost commitment is to make motoring easier, safer, and affordable for drivers and road users, which applies to our car loans the same.

Affordable car loans

We offer our customers affordable car loans that are designed to meet their every need. Let us finance a vehicle for you today.

RAC Services

The RAC has approximately 4,000 dedicated staff that is ready to assist you with vehicle finance.

Apply with us today to get the car loan you require to buy the vehicle of your dreams.

Other services we offer

Operating from three bases of vehicle and breakdown services through a nationwide, branded patrol force, we have our members covered. The RAC's patrol force of more or less 1,500 patrols attended to 2.3 million rescue breakdowns in 2016 alone.

Various services available

Regardless of the motoring service you require, we offer it all. From breakdown cover with roadside assistance to insurance, buying a used car, vehicle inspections and checks, legal services and 100% up to date traffic and travel information, we are able to assist you.

Car loans and personalised rates

RAC Loans are provided by Shawbrook Bank Limited and you can get a personalised loan rate in as little as three minutes.

A loan as personal as you

With the RAC, you receive a personalised interest rate that is based on your personal circumstances. We understand that one size does not fit all, and thus we use a more personal approach whether you are looking to buy your dream car or a family run around. A personalised rate also allows you to see your chances of being accepted before you apply, which helps you to stay in control of your borrowing.

RAC Product Details

  • Loan Type Vehicle finance
  • Interest Rate 3.1 – 49.9% p/a

Benefits of RAC

  • Vehicle finance with low interest
  • Get an obligation-free quote
  • Apply for a loan online

RAC Loans will make sure you get the best vehicle finance

Apply for a car loan and buy the car of your dreams with our quick online application.

It should not take longer than only a few minutes to see if you qualify for a car loan.  

Quick online application

You will receive an instant decision on the chances of being accepted and you could receive your approved funds within three days.

Fixed monthly payment

Borrow up to £35,000 over one to seven years and you can repay earlier if you wish without additional fees.

No impact to your credit score

Our innovative soft search tool not only lets you find the right deal but does so without affecting your credit record.

Why choose us?

At RAC Loans we make sure you have complete clarity and certainty from the start to make owning your own car as simple as possible, with great service to match. All you have to do is simply complete our simple form and provide us with some basic personal information. You can rest assured that checking your eligibility for a car loan will not affect your credit record.

Customer Reviews & Testimonials

RAC has been a big help in getting me the car I want. I was also able to get insurance through them all in one place.

Oliver T
— Edinburgh —

The online application was a breeze, but it took a few days before I had my approval and a few more before the money came in.

George B
— Oxford —

RAC Contact Details

Contact Number


  • not available


Physical Address

  • RAC House, Brockhurst Crescent Walsall England WS5 4AW United Kingdom
  • Get Directions

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