Apply for a secured loan then breathe a sigh of relief

From $2,350 to $5,000, apply for a secured loan in seconds with Red Tree Finance. The anxious voice in your head will thank you for it.

Australian owned & operated

100% online & no paperwork

No hidden fees & charges

Apply for up to $5,000 in 3 easy steps!

Red Tree Finance takes the stress out of applying for a loan. If you meet all the eligibility criteria, you could apply online and have an outcome within 2 hours.

01.

Complete your application online in less than 5 minutes.

02.

A member of our assessment team will personally review your application.

03.

One reviewed, you’ll receive your outcome within two hours of submitting your application.

Am I eligible to apply for a loan?

In order to apply for a loan, there are certain requirements you need to meet. Please take note of them before you apply for any loan.

  • red tree finance - are at least 18 years old

    Are at least 18 years old

  • red tree finance - are a permanent resident of Australia or a visa holder

    Are a permanent resident of Australia or valid visa holder

  • red tree finance - own a vehicle registered in your name

    Own an unencumbered vehicle registered in your name

  • red tree finance - have you been empolyed for at least 3 months?

    Have been employed for at least 3 months

How it Works

Loan terms

Minimum Loan Term: 12 months
Maximum Loan Term: 12 months

Although our fast cash loans are designed to be paid back over 12 months, there is absolutely no penalty should you choose to pay it back early.

Representative example: based on a loan of $3,000 over 12 months a borrower can expect to pay a total of $4,316. This represents a comparison rate of 65.9% p.a. and upfront fees of $420 included in loan repayments over the life of your loan. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges.

Fee breakdown

Establishment Fee

$400 (included in the loan)

Interest Rate

47%pa (comparison rate 65.9%)

Other Fees

$20 (included in loan)

Direct debit dishonour fee

$35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid

Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan

Got questions?

See all

Though a weak credit rating may be an important factor in the outcome of your application for a $4,000 loan, it may not be the deciding factor. Red Tree Finance considers more than just your credit score when making the final decision on your application. We have human assessors in Australia who review each application individually and also take into account your current income and expenses in addition to your credit history.

Lenders ask for collateral to reduce their risk on the loan. It gives them an asset tied to the loan agreement if the borrower does not meet repayment obligations.

Yes, if the car is already owned and meets the lender’s requirements, it may be possible to use it as security for a loan. The vehicle usually needs to be registered in your name and free from existing encumbrances.

Yes, in some cases you can use your car as collateral for a loan. The vehicle is used as security while the loan is repaid, subject to lender criteria.

Eligibility depends on factors such as age, residency status, employment, and vehicle ownership. At Red Tree Finance, applicants must meet basic criteria and demonstrate the ability to repay the loan.