How to apply for an online loan

Applying for a cash loan at Red Tree Finance is easy and stress-free. It’s also 100% online, so you can apply on your phone, tablet or computer at home, work, or even on the go.

Step 1:Determine if you’re eligible

Before you apply for a loan, you need to ensure you meet all of the following requirements. You must be:

Eligibility Criteria
  • At least 18 years old

  • A permanent resident of Australia or valid visa holder

  • Own an unencumbered vehicle registered in your name

  • Currently employed, for at least 3 months

Step 2: Decide how much you need to borrow

With Red Tree Finance, you can borrow between $2,100 and $5,000. This means you can go on that holiday you’ve been planning, or pay for that car repair or vet bill that is looming.

Minimum & maximum loan terms

Minimum Loan Term: 12 months
Maximum Loan Term: 24 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.

Rates & fees
We believe in being transparent with our rates and fees so you know how much you’ll need to pay back before you even apply. See the breakdown below:

Online cash loan amount

$2,100 - $5,000

Application Fee

$0 (even if your application is not approved)

Standard establishment fee


Other Fees

$16 (included in loan)

Annual Interest

47% (Comparison Rate 66.0347%)*

Loan term

12 Months

Flexible repayment options

Weekly, fortnightly or monthly (based on your payday)

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 and charges if you miss a payment, and this may affect the length of your loan and therefore change the overall cost of the loan. If you think you can no longer make your repayments, make contact with our Australia-based Customer Care team as soon as possible so we can come up with a solution.

Step 3: Get all your documentation ready

To apply for a secured loan, you’ll need to provide some documentation. We try to keep this to a minimum and only ask for the details we absolutely need to ensure you can repay the loan. Make sure you have ready:

  • Last 90 days of banking transactions (these can be provided through our secure online portal)
  • Pay slips
  • Two forms of ID
  • Car registration details

Step 4: Submit your online application

Once you’ve got everything ready, you can easily submit your application online! Use our simple online form to get started. It’s free to apply, even if your application isn’t successful.

Step 5: Wait for a decision

After you’ve submitted your application, a member of our assessment team will personally review your application. We care about making sure the loan suits your needs, so we’ll only approve your application if we believe you have the ability to repay the loan back in full. Once a decision has been made, our team will get in contact with you. If your application has been approved, a signed loan document will be sent to your registered email account.
Loan approval usually takes about 2 hours to complete during business hours. While we do approve loans on weekends, the approval process can take slightly longer.

Step 6: Get your money

Once your loan is approved, you can expect to see the money land in your account usually within an hour but at the latest within one business day. Depending on the repayment option you chose, your loan repayments could start the following week, fortnight or month. We will not debit an account within 2 business days of the loan being approved and funded.

Commitment to responsible lending

At Red Tree Finance we take our lending responsibilities seriously and are committed to lending responsibly.

We have no interest in providing a loan that cannot be repaid. Our Australia-based assessment team takes careful note of each customer’s individual circumstances before recommending a loan amount to ensure we don’t lend customers more than they can afford to repay.

Read our full Responsible Lending Statement

How much would you like to borrow?

Loan amount


Repayment frequency

Your monthly repayment

Loan term
12 months
Interest & Fees
Total to pay

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. The above uses a comparison rate of 47% and upfront establishment fees of $420.

What our customers say

Hear from customers who have been helped by Red Tree Finance.

See all
Thank you very much, I can't tell you how much you've helped me out today. I've been stressing all afternoon about having to pay for the repair and using all of our safety net, now we don't need to. I dealt with Kayla and she was wonderful. Thank you!
Damien R, QLD
Red Tree was really good in understanding and service was great and pretty quick as well.
Holly F, Perth
Great company to deal with. Response time was amazing. Would highly recommend. Thank you
Lauren F, Melbourne
Easy application and very responsive to questions and concerns
Bella T, Adelaide
Very helpful and patient staff, helped me with sending them photos of my ID. High recommend
Jane L, Sydney
Excellent Service, A+++++. Money was in my bank account within an hour
Adam S, Wagga

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Apply to borrow up to $5,000 fast. Complete the online application in less than 5 minutes.

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