RACQ Green Personal Loan

Transitioning to a sustainable lifestyle is more accessible than ever with RACQ's Green Personal Loan. Designed to support the most common home energy upgrades, this loan offers flexibility with up to 10-year terms, no fees and a low interest rate of 2.79% for homeowners with an RACQ mortgage and 6.99% if you don't have an RACQ home loan.

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If you're thinking about making your home more sustainable, the RACQ Green Personal or Home Loan makes it easy to get started. With a competitive interest rate (2.79% if you have an RACQ home loan, otherwise 6.99% p.a.), no sneaky fees, no setup costs, no monthly charges, and no penalties for paying it off early. It’s designed to keep things simple and affordable. You can borrow anywhere from $3,000 to $60,000, whether you're adding solar panels, installing a battery, or upgrading your hot water system. And the best part? You don’t need to have a mortgage with RACQ to access the loan, though if you do, you could unlock an even lower rate. Start now.

Make the Most of Your RACQ Green Personal Loan with 28Watt

At 28Watt, we’re here to help get the most out of their green home upgrades. The RACQ Green Personal Loan offers a low rate and flexible terms, but choosing the right improvements is what really drives long-term savings. That’s where our Free Home Assessment can help.

How 28Watt helps you maximise the value of your RACQ Green Loan

Tailored upgrade advice – We evaluate your home to recommend the smartest, most cost-effective improvements.
Upfront cost clarity – Get detailed pricing and savings estimates before you commit.
Verified local installers – We connect you with qualified, RACQ-eligible installers who deliver high-quality work.

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Eligible home upgrades

The loan can be used for a variety of eco-friendly home improvements, including:

Solar panels and battery storage systems
Solar or heat pump hot water systems
Electric vehicle charging stations
Electric bikes and scooters

What you need to qualify for the RACQ Green Personal Loan

Be employed with your current employer for more than 6 months.
An acceptable credit score.
Australian citizenship or permanent residency.

Handy tip!

All installations must be carried out by accredited installers, ensuring the highest standards of quality and safety. Through 28Watt, we’ll connect you with trusted professionals so you can stress less and enjoy your savings.

How to get started

Online Enquiry: Begin by filling out RACQ's online enquiry form to express your interest.
Obtain a Quote: Secure a quote for your home upgrade from an accredited supplier. This can be one of our vetted installers or you can bring your own.
Provide your quote: Provide the quote and other documentation to RACQ for assessment.
Approval and Funding: Upon approval, funds will be transferred to your nominated account, ready for use.
Installation: Proceed with the installation or purchase, and enjoy the benefits of your sustainable investment.

28Watt’s Takeaway

At 28Watt, we believe the RACQ Green Personal Loan stands out as a smart and flexible choice for households looking to upgrade their homes and reduce their energy bills. Its low interest rate, fee-free structure, and generous loan terms make it an ideal option for a wide range of green projects from solar and battery storage to hot water and EV chargers. Best of all, there’s no need to be an RACQ banking customer or have a mortgage to access the benefits.

If you’re planning your next upgrade, we can help you make the most of this loan through our Free Home Assessment, connecting you with trusted local installers and helping you understand your costs and savings before you commit.

Looking to compare options? Explore our other green loan deep dives:

Each loan has specific requirements and features, and we’re here to help you choose the best fit for your home and goals. Use our Green Loan Matching tool to find the best match for you.