Before we start

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  • Income details (employment and other income)
  • Expenses & liability details (living expenses, loans, credit cards, etc.)
  • Asset details (properties, vehicles, savings, super, etc.)

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about 10 mins

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Up to 2 applicants can apply online.
Are all the applicants over 18?
Are all applicants permanent residents of Australia?
Do any of the following apply to any applicants?
Declared bankruptcy or insolvencyEntered into any composition or arrangement for the benefit of CreditorsDefaulted on any loans, credit cards or similar in the last 5 years
If you don't meet all of the above requirements, you may still be eligible for a personal loan. Please contact RACQ Bank on 13 1905 13 1905.

Important Information

By continuing, you confirm that you have accessed and read the RACQ Bank Credit Guide, and RACQ Group Privacy Policy and RACQ Bank Privacy Notice and RACQ Bank Credit Privacy Policy and Credit Reporting Policy which contains information on how RACQ and RACQ Bank collect use and disclose your personal information.

Loan details

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What can we help you pay for?
How old is the ?
Who is applying for this loan?
Are you currently a member of RACQ?
Congratulations you qualify for a loyalty discount!
Is the second applicant a member of RACQ?
Congratulations you qualify for a loyalty discount!
How many dependents do you have?
How many dependents does the second applicant have?

Loan details - Repayments

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Over how many years would you like to repay this loan?
Over how many years would you like to repay this loan?
Your repayments
Based on our current rate of {{data.interestrate}}% p.a. and including an establishment fee of ${{data.totalfees}}.

*Repayment information is indicative only and is based on your details and the interest rate specified. The information provided is general information only and does not constitute an advertisement or recommendation, a quote or loan offer. Credit may not be available for the amount, term or rate selected.

The repayment amount is calculated on a loan amount which includes the standard establishment fee, the amount of which may vary depending on your RACQ membership status.

Indicative Repayments

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per {{data.displayfreq}}

Based on

  • Loan amount $ {{data.displayloanamount}} + ${{data.displayedfeeamount}} est. fee
  • Interest rate {{data.interestrate}}% p.a.
  • Loan term {{data.loanterminyears}} {{data.loantermyeartext}}
* Repayment information is indicative only and is based on your details and the interest rate specified. The information provided is general information only and does not constitute an advertisement or recommendation, a quote or loan offer. Credit may not be available for the amount, term or rate selected. The repayment amount is calculated on a loan amount which includes the standard establishment fee, the amount of which may vary depending on your RACQ membership status.

Financial details - Income

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Other income

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Whose is this?
Whose income is this?
Your current employment status
How long have you been with your current employer/self-employed?
Block (Mandatory)
How much do you earn from this? (excluding bonuses, super, etc.)
isGrossIncome
Other income
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isGrossIncome

Financial details - Expenses & liabilities

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Living expense title text

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Rent / board
Basic living expenses (groceries, fuel, etc.)
Phone, internet and utilities
Insurances
Childcare costs
Private school fees
Child support / maintenance
Other living expenses

Other income

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Whose is this?
Whose loan is this?
How long is left to pay off the loan?
Block (Mandatory)
Will this loan still exist if this application is approved?
Whose card is this
Will you cancel this card if this application is approved?
Whose expenses is this?
Expense amount

Other expenses

Please add any other expenses you have. Include other expenses such as rent-try-buy contracts, which you may not have included in the expenses section above.

Financial details - Assets

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Type of {{data.loanpurposelowercasedisplay}} (optional)
Asset

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Who owns this asset?
How much of the property do you own

Assets

Please add any assets you own.

For example: Property, Vehicles, Home contents, Savings, Superannuation, etc.

Your details

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Your name
Date of Birth
Block (Mandatory)
Your gender
How long were you with your previous employer?
Block (Mandatory)
Item
Age of dependent {{data.$i +1}}
Home address
or, alternatively,

Continue typing...

Manually enter an address

Address
What is your residential status?
How long have you been at this address?
Block (Mandatory)
Is this also your postal address?
What was your previous address?
or, alternatively,

Continue typing...

Manually enter an address

Address
How long were you at this address?
Block (Mandatory)
Postal address
or, alternatively,

Continue typing...

Manually enter an address

Address

* Based on the information you have provided, you have passed our initial affordability check.
Repayment information is indicative only and is based on your details and the interest rate specified. The information provided is general information only and does not constitute an advertisement or recommendation, a quote or loan offer. Credit may not be available for the amount, term or rate selected.
If credit is provided, the actual repayment amount may vary.

Second applicant's details

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Your name
Date of Birth
Block (Mandatory)
Your gender
How long were you with your previous employer?
Block (Mandatory)
Item
Age of dependent {{data.$i +1}}
Home address
or, alternatively,

Continue typing...

Manually enter an address

Address
What is your residential status?
How long have you been at this address?
Is this also your postal address?
What was your previous address?
or, alternatively,

Continue typing...

Manually enter an address

Address
How long were you at this address?
Postal address
or, alternatively,

Continue typing...

Manually enter an address

Address

Review & submit

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Loan purpose
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Loan amount
${{data.displayloanamount}} + ${{data.displayedfeeamount}} establishment fee
Interest rate
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Loan term
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This is based on what you have told us your income and expenses are.
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Name
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Date of birth
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Home address
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Postal address
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Phone number
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Email address
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Name
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Date of birth
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Home address
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Postal address
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Phone number
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Email address
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Your application

Based on the information you have provided, you have passed our initial affordability check.

Repayment information is indicative only and is based on your details and the interest rate specified. The information provided is general information only and does not constitute an advertisement or recommendation, a quote or loan offer. Credit may not be available for the amount, term or rate selected.

The repayment amount is calculated on a loan amount which includes the standard establishment fee, the amount of which may vary depending on your RACQ membership status.

RACQ membership

If you are not already a member of RACQ, you will become a member if the loan proceeds. By submitting you agree with RACQ’s Constitution and Membership Terms. Becoming an RACQ Member gives you access to member benefits and discounts.

RACQ Operations Pty Ltd ABN 80 009 663 414 is a member of the Royal Automobile Club of Queensland Limited Group of companies.