Loan Eligibility

Eligibility requirements

To apply for a cash loan of up to $5,000 with Red Tree Finance, there are certain requirements you need to meet. These are in alignment with our commitment to responsible lending, ensuring we only approve you for a loan that you can repay.

  • Are at least 18 years old.
    The minimum age requirement ensures you’re of an appropriate legal age to enter into a financial contract with us.

  • Are a permanent resident of Australia or valid visa holder.
    In order to apply for a loan with us, you need to live in Australia as either a permanent resident or Australian citizen or hold a valid Australian Visa.

  • Own an unencumbered vehicle registered in your name
    We use your vehicle as security for the loan.

  • Have been employed for at least 3 months.
    You can be employed on a casual, part or full-time basis.


Any motor vehicle registered within Australia that can be registered on the PPSR registry, such as a car, trailer, or boat, with no written-off status shown on the PPSR registry

Yes, as long as you have been employed for at least 3 months and you earn an average of $300 a week.

At Red Tree, we assess each applicant on their own merit. We consider a range of factors to determine whether you qualify for a Red Tree secured loan, so it may be possible to get a loan even with a poor credit history.

As a responsible lender, we will ask you for a reason for your loan application, so that we can determine if the loan is suitable for your needs.

At Red Tree Finance, you can apply for a loan between $2,100 and $5,000.

You will need to be able to provide us with current bank statements, payslips, identification and your vehicle registration details.

Unfortunately no, as funds are deposited directly into your bank account and repayments are set up as a direct debit from a bank account, you will need a bank account to get a loan.

To apply for a loan with Red Tree, you will need to show a minimum of 3 months employment income. This can be either full-time, part-time, casual employment or self-employment.

To be eligible for a loan with Red Tree, you must receive an average of $300 a week in income from your employment. As a responsible lender, we must be able to determine that you can repay your loan.

We’re committed 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 to apply for up to $5,000 online

Our easy 3-step loan process starts with your online application, which can be completed in less than five minutes.


Complete your application online in less than 5 minutes.


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


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

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.

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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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