Loan Rates & Fees

Transparent loan rates & fees

Our mission is to help every Australian to meet their financial obligations and avoid financial distress. So at Red Tree Finance, our cash loans have no hidden fees and charges. We have no interest in providing you a loan you can’t afford to repay. We are transparent about our loan rates and fees from the get-go.
All your loan payment information is as listed 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, fornightly 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

Interest rates

Interest is calculated daily based on the outstanding balance. Our loan rates and fees always include the interest rates that are fixed for the loan term — so you know exactly what to expect. However, if a scheduled payment is missed or returned unpaid, we may issue a $35 debit dishonour fee.

  • Interest rates are fixed for the loan term and are based on the outstanding balance.
  • By dividing the annual interest rate by 365, the daily interest rate is determined.
  • Comparison rates vary from 65-66% depending on the size of the loan


Keep in mind that you may incur additional fees and charges each time you miss a payment, and this may affect the length of your loan and therefore change the overall cost of the loan.

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 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.

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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