Car loans

NRMA Car Loans Rates

Join NRMA Blue
to start saving

Enjoy even lower rates as an NRMA Member*

NRMA car loans gives you fast approvals and competitive rates, meaning you know you're getting a great deal from someone you trust.

Our new car loans cover cars up to 3 years old at just 4.99%** p.a (Comparison rate 5.69%^ p.a). Finance is also available for used cars, motorcycles, caravans and motorhomes.

Member offer

Become an NRMA Member today and you can save an additional 1%* on our competitive car loan rates.

Don’t need roadside assistance? NRMA Blue is our benefits program, designed to help Members save more and do more. Join to unlock thousands of discounts on fuel, dining, entertainment, insurance, travel and more – right across Australia. NRMA Blue is included in all roadside assistance packages or on its own if you don’t need roadside cover. 


How to redeem your Member discount

1. Simply submit a car loans application online.

Apply now

Alternatively, call us on 1300 732 398 9am - 5pm Monday to Friday (Sydney/ Melbourne time).

2. A Finance Consultant will be in touch with you after you submit your application to chat about your application.

3. Be sure to mention your Membership number so your Member discount can be applied.

Why go with NRMA car loans?

No ongoing fees car loan
No ongoing fees
Which means lower monthly payments for you.
Easy to apply
Your loan application will take around 10 minutes.
Quick car loan application
Fast approval
We'll work as quickly as possible to provide an answer on your application.
Things you should know

*NRMA Members receive 1% p.a. discount off their loan rate only. Member discount does not apply to the new car special rate.

**Note = conditions, fees and charges apply. Rates subject to change without notice.

^Comparison rate is calculated on a loan amount of $30,000 secured over a term of 5 years based on monthly repayments. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Costs such as redraw or early repayment fees and cost savings such as fee waivers are not included in the comparison rate, but may influence the cost of the loan. Subject to RACV lending criteria. Australian credit licence 391488.

NRMA Car Loans products are provided by RACV Finance Ltd (ABN 82 004 292 291) trading as NRMA Car Loans. NRMA trademark used under licence from IAG, owner of the trademark for financial services. Personal and credit information is handled by RACV Finance Ltd as set out in the Privacy Charter (which includes the Credit Reporting Policy) and the Privacy Notice and Statement of Notifiable Matters. Information about how to raise a complaint is available here.