Securing Better RACQ Car Loans with Jade Finance

We provide access to multiple banks and non-bank lenders, including RACQ Bank, to ensure our customers secure the most suitable and affordable motor vehicle financing in the market. Widely known in Queensland as the Royal Automobile Club of Queensland, RACQ is a member-based organisation with extensive operations including in banking. The banking services include transactional services and lending, including motor vehicle credit.

As a member organisation operating for the benefit of its members, RACQ Bank focuses on providing affordable motor vehicle credit – also the key focus of our objective in securing funding for our customers. As one of our 80+ lenders, RACQ is one of the credit providers your Jade Finance broker will consider in sourcing you the best funding for new, used, hybrid and electric vehicles. For a RACQ quote for your vehicle credit, contact us.

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Enjoy the Benefits of RACQ Member Car Financing through Jade Finance

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While members can realise many benefits with RACQ financing, those benefits may be further enhanced when engaging us to handle your motor vehicle funding. Through our lender accreditation, we have direct, industry-level connections with this finance provider. Enabling our brokers to quickly source quotes, and negotiate on those competitive rates and your preferred deposit, repayment schedule and terms.

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We handle the entire process of sourcing and structuring the most suitable solution for each customer. We compare their offer with those we source from other lenders to determine which is best-suited and most cost-effective for our customers.

A key point to note is if individuals request quotes and offers directly from multiple lenders, there is potential for a negative outcome on their credit score. When our brokers cover our 80+ lenders on behalf of vehicle buyers, there is no impact on their credit score—an additional benefit of using our services to consider RACQ and other lenders for your vehicle credit requirements.

Car Loan Specialist

While RACQ focuses on delivering for members, we focus on delivering for our customers. To realise both the benefits of RACQ’s competitive rates and flexible terms and repayments and the benefits of having a specialist in motor vehicle lending working on your behalf, contact Jade.
  • Member-focused car loan benefits.
  • Specialists to source RACQ car loans.
  • Trusted member-based lender, trusted vehicle lending brokers.
  • Discounted RACQ vehicle inspections.
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Introduction to RACQ Financing Solutions

The Royal Automobile Club of Queensland is a member-based organisation that provides an extensive range of services for members. These include roadside assistance, travel, insurance, motor vehicle and banking services.

The banking services cover savings and lending for personal purposes, home mortgages and motor vehicle credit. The bank supports its members with competitive solutions in funding for many types of personal vehicles.

Members may realise key benefits when sourcing vehicle credit through this trusted organisation, including discounted vehicle inspections and insurance.
  • Trusted member organisation.
  • Solutions for a range of lending purposes.
  • Competitive RACQ car financing solutions.
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Easily Compare RACQ Car Loans with Other Jade Financing Options

RACQ vehicle funding is tailored to meet the requirements of many of its members with flexible inclusions competitive rates, and added benefits. But astute vehicle buyers will want to be confident that any quote they have received compares favourably with other lenders in the market.

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We make that task easy with our handy vehicle-buying resources. Buyers can check rates on our lender comparison table and use our online financing calculator to compare possible options, including different vehicles.

The table lists the current advertised and comparison rates available through Jade and several other leading motor vehicle lenders. Unless otherwise noted, the rates shown will be for new vehicle purchases and for borrowers who have a good credit profile.

To compare financing on different vehicle types, makes, and models, buyers can use our calculator. Simply enter the price of the vehicle; if no deposit credit is required, our interest rate or the RACQ rate, the preferred repayment period, and an estimated repayment figure will be displayed.

The calculator can be extremely useful if considering purchasing an EV or PHEV with a RACQ Green Car Loan. The prices of these vehicles are typically higher than a comparable petrol or diesel model. The calculator enables buyers to get estimates on the difference in repayments. Our calculator displays monthly repayment figures. RACQ does offer options for weekly, fortnightly and monthly repayments. To clarify calculator-generated estimates and other repayment schedules, contact us for a confirmed quote.

  • Easily compare RACQ car loan rates with other lenders.
  • Quickly compare financing on different vehicles.
  • Compare RACQ Green Car Loan with petrol and diesel financing options.

Maximise Advantages with Jade for RACQ Financing Solutions

As specialists in motor vehicle lending, we focus on delivering the best solutions to ensure our customers maximise their opportunities. Through engaging with Jade for RACQ funding, customers are assured that their best interests have been addressed. RACQ is considered as one option from our vast lender market of 80+ lenders. The most suitable lender is identified, the best rates are sourced, and the most affordable solution is tailored to suit individual customer requirements.

Where RACQ is considered the ideal solution, customers can also take advantage of the organisation’s discounted vehicle inspections and insurance options available to members. Enjoy the member support from RACQ and the expert support from Jade Finance to find you the best motor vehicle funding.
  • RACQ solutions compared with 80+ lenders.
  • Tailored car loan solutions.
  • Special RACQ member benefits.
  • Secure the best car financing.
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New, Used, Electric, Hybrid - RACQ Vehicle Loan Options

RACQ provides members with personal credit options for new and second-hand vehicles, including EVs and hybrids. Their secured financing products provide a no-deposit option with competitive rates and flexible features, including repayment schedule options for monthly, weekly or fortnightly payments.


One aspect that varies across the motor vehicle lending market is the fees charged by individual lenders. As a member organisation, RACQ focuses on keeping fees low and competitive, including not charging borrowers a monthly fee.


7-year credit terms can be approved on new vehicles with 5-year terms for second-hand vehicles, subject to meeting their criteria for used vehicles. Funding is available for up to $100,000 on petrol and diesel models and $150,000 on green vehicles.


In keeping with the popularity of EVs and hybrids, RACQ offers special interest rates on their Green Vehicle Credit product. This may be an extremely cost-effective option for buyers of EVs, FCEV and PHEV models. Making the switch to a sustainable drive a more affordable prospect. To find out if a RACQ car loan is the most affordable we can source for you, request a quote.

  • RACQ Green Car Loans.
  • Flexible repayment schedules.
  • Competitive interest rates.

Check Eligibility Criteria, Application Process for Car Financing with RACQ

Before submitting a vehicle credit application to any lender, buyers will need to know that they meet the eligibility criteria of that lender. While all personal vehicle funding is subject to Consumer Credit Laws, such as being over 18 years of age, individual lenders have varying criteria when it comes to eligibility.


Checking individual lender criteria to confirm their eligibility can add time and inconvenience for vehicle buyers. We eliminate that time and turn inconvenience into convenience with our specialist vehicle lending services.


Our brokers know the matrix, or criteria, that our lenders, including RACQ Bank, use to approve applicants. We can quickly confirm whether or not a customer meets the eligibility guidelines for any of our accredited lenders. Cutting the time to source the right lender and the overall time to apply and source the most suitable and affordable vehicle funding.


Integral to being offered the best rates, the rate advertised by most lenders, is having a good credit profile. In addition to reviewing the applicant’s income, expenses, assets and liabilities, lenders will also review individual credit scores and histories.


Our application process for RACQ vehicle credit is quick, easy and accessible to borrowers across Australia. Applications can be made via a phone call with one of our brokers or via our easy-to-use online form. Apply now by connecting with one of our expert brokers.

  • Quickly check RACQ car loan eligibility.
  • Easy RACQ vehicle finance application process.
  • Apply online or by phone, Australia-wide.
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* The comparison rate displayed is calculated for a loan of $30,000 over 5 years. The results from this calculator should be used as an indication only. Quoted repayments are based on advertised rates and do not include lender fees and charges. Results do not represent either quotes or pre-qualifications for a loan. The specific details of your loan will be provided to you in your loan contract. It is advised that you speak with us so that we can provide you with advice that is tailored to your situation.

DISCLAIMER: This comparison chart is provided for general reference purposes only. It is not in any way intended as a loan application, it is not a quote for business finance or any indication that an application has been received or approved. The rates quoted are for business use where the funds are predominately for business use and may not include all the fees and charges that may be applicable. The interest rates and the repayments displayed do not account for any conditions pertaining to your individual loan application. Therefore the interest rate and repayment you may be offered may vary from the amount shown.

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RACQ Car Loans FAQ's

  • RACQ is based in Queensland, but borrowers from other states may apply for financing through their banking services. Approval of applications is subject to meeting the eligibility criteria for the vehicle and the applicant.

  • RACQ is a member-based motor road services organisation with operations that extend to travel, insurance and banking services. Their banking services include lending operations and transactional accounts. The organisation is based in Queensland and has over 2 million members.

  • An existing account with a bank is not typically a prerequisite for being eligible for a loan from that bank. If the bank accepts funding, an account may be established if requested after the credit is settled or as part of the application processing procedure.

  • RACQ provides motor vehicle lending up to $100,000 on petrol and diesel models and up to $150,000 for green vehicles. All limits would be subject to meeting the eligibility criteria for the vehicle and the credit applicant.

  • Yes. The bank offers a special Green Vehicle Loan for electric and hybrid models. The advertised rates on green funding is lower than for petrol and diesel vehicle credit.

  • No deposit funding is available through the bank, subject to individual application approval. No deposit funding allows for the full vehicle price, including accessories ordered at the time of purchase, to be included in the funding.

  • The bank offers lending for second-hand vehicles.

  • Security for motor vehicle funding is subject to individual lender approval. Most buyers of new vehicles will be approved with the vehicle as the sole form of collateral for the borrowings.

  • Online calculators provided by lenders are to generate estimates only. No allowance is usually made to include fees or to determine the creditworthiness of the user. The credit score affects the rate offered. Offers and quotes can vary from estimates generated on a calculator.

  • Terms on motor vehicle financing can be approved for up to 7 years on new vehicles and up to 5 years on second-hand vehicles. Used vehicles must be under 12 years old after the lending term. Terms of up to 5 years are available on green vehicle funding.

  • Yes, the bank offers funding for new and used vehicles.

  • Buyers can use a lender online financing calculator to determine possible repayment estimates on different vehicles before purchase. Estimates should be followed up with a quote from the lender.

  • A comparison rate is the interest rate calculated on a specific credit example when some fees and the advertised rate, are included.

  • Lenders typically advertise their best rates for applicants with a good credit score for new vehicles. Where the score is less than good, a different rate may be offered. Rates can vary for new and used vehicles and green vehicles.

  • Interest rates on vehicle credit vary across the lending market, including across the banking sector. Some banks are more competitive than others. RACQ offers competitive rates, including discounted rates on the green vehicle lending product.