Important disclosure

NRMA Personal Loans

The NRMA isn’t just a poster organisation for roadside assistance and car insurance. It can also solve some of your extra cash problems with a personal loan for anything from elective surgery to a wedding or a home makeover.
If you want to learn more or apply for an NRMA personal loan, BestFind’s comparison table and calculator below can give you the bigger picture.

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3 months


NRMA New Car Loan (Credit Score +832)

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There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.

NRMA Used Car Loan (Credit Score +832)

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NRMA used car loans can help you get one step closer to owning your dream pre-loved car. provides factual information in relation to financial products. While attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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NRMA personal loans – Get funds and get your goals going

Before we dive into the subject of NRMA personal loans, here’s some quick background info on the credit provider.

The NRMA (The National Roads and Motorists’ Association) is Australia’s largest member organisation. It’s been gaining momentum since 1920 and currently offers a broad range of financial products and services for motoring, travel, and lifestyle purposes.

According to the NRMA, the organisation’s goal is to keep Aussies moving. Even its personal loans are designed to help your plans move along quickly, whether you wish to renovate your home, pay for a cosmetic surgery procedure, or something else. Below, you’ll find all you need to know about NRMA personal loans, so you can compare your options, choose the best one, and get your goals back on track.

NRMA personal loans at a glance

  • Loan amount: Minimum amount of $5,000
  • Loan term: Up to 7 years
  • Interest rate type: Fixed interest rates.
  • Security: Only secured loans are available.
  • Uses: Suitable for any legitimate purpose such as a wedding and home improvements. If you wish to buy a car or other motor vehicle, check out the full details for NRMA car loans.
  • Best for: Members and non-members looking for a competitively priced personal loan and who don’t mind offering an asset as security.


  • NRMA personal loans don’t have monthly fees, which lowers your borrowing costs.
  • You can make extra repayments at any time. That means it’s possible to wipe out your debt at an earlier date to save on interest and other ongoing costs.
  • You can apply for a joint loan if you want to strengthen your application.
  • If you’re a member, there are discounts and benefits on offer.


  • You have to borrow at least $5,000
  • There’s no redraw facility
  • The NRMA does not offer unsecured personal loans
  • You’ll have to pay an upfront fee

NRMA personal loan features

  • Fixed interest rate. The NRMA personal loan rates are fixed, which means your repayments cost the same amount over the loan’s life. You are not affected by rate fluctuations, so you can easily budget for future repayments.
  • Fees and charges. The NRMA charges an establishment fee but no monthly service fees. Please note, other fees and charges, such as early repayment fees, may also apply.
  • Repayment frequency. You can choose between monthly or fortnightly repayments, depending on when your income comes in. BestFind’s NRMA personal loan calculator can help you estimate your repayments so you can find a flexible repayment option.
  • Credit protection insurance. The NRMA also offers Credit Protection Insurance, which covers your loan repayments if you become ill, lose your job, or are in an accident.

Apply for a personal loan from NRMA

If you decide to apply for NRMA personal loans, click the “Go to Site” button in the table above. Next, fill in the online application form and provide any required documents. According to the NRMA, you can get funds on the next working day once you complete the paperwork. Keep in mind, you’ll have to meet the following basic eligibility requirements:

  • Be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Apply for a loan of at least $5,000
  • Provide a valid Australian driver’s licence
  • Provide personal and financial details

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