In order to investigate the influence of loading rate on fracture performance of super absorbent polymer (SAP) concrete, the SAP concrete specimens with different water-cement ratios of internal curing were poured, and three-point bending test of notched beam with three loading rates was carried out. The fracture modes, crack mouth opening displacement and fracture toughness of specimens were measured and analyzed. The results reveal that SAP concrete and ordinary concrete all exhibit strain rate effect, and appropriate content of SAP and internal curing water can enhance the fracture energy of concrete. With the increase of water-cement ratio of internal curing, the peak strength ratio gradually decreases, and both the initiation toughness and unstable toughness show a decreasing trend. Conversely, as the loading rate increases, two toughness parameters exhibit an increasing trend. This study proposes a fitting model for the peak strength ratio and fracture toughness, considering the dual influence of the water-cement ratio of internal curing and the loading rate. The findings offer valuable insights for the practical application of SAP concrete in engineering project.