---
title: "Fixed Rate Car Loan — RACQ Bank"
description: "Personal Loans from RACQ Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/racq-bank/products/568
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-08T21:55:57Z
---

# Fixed Rate Car Loan — RACQ Bank

> Personal Loans from RACQ Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans**

Take out a secured car loan with RACQ Bank so you have the flexibility to choose a car that is suited to your lifestyle. Car finance with RACQ Bank means you'll receive the same low interest rates for car loans on new or used cars.

## At a glance

- **From:** 8.19% (8.36% comparison)

## Apply

Applications are handled by the provider: [Apply at RACQ Bank](https://forms.racq.com.au/banking/servlet/SmartForm.html?formCode=personal-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 7 years (Available for new lending only. For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.) | 8.19% | 8.36% | — |
| Fixed · 7 years (For cars under 2 years old.  For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.) | 8.19% | 8.36% | — |
| Fixed · 7 years (For cars over 2 years old.  For used cars the maximum fixed rate car loan term is 5 years. Car must not be older than 12 years at the end of the loan term.) | 8.19% | 8.36% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Default Enforcement Expenses — May apply if enforcement services are required as part of default administration. | Other | Variable |
| Document Preparation Fee — Document Preparation Fee includes document generation, distribution of documents, verification of documents and verification of search requirements. | Upfront | $120.00 |

## Features

- **Digital banking**
- **Real-time payments (NPP)**

## Eligibility

- **Individuals only**
- **Minimum age** — 18 years
- **Residency status** — Must be an Australian Resident

## Constraints

- **Maximum limit** — $100,000.00
- **Minimum limit** — $3,000.00

## More information from RACQ Bank

- [Fees & pricing](https://www.racq.com.au/banking/forms-and-documents)

## Data provenance

- Published by RACQ Bank under the Consumer Data Right
- Product ID: `568`
- Last updated by the provider: 8 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/racq-bank/568
- Provider page: https://www.cdrcompare.au/brands/racq-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000244

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/racq-bank/products/568) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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