What are $3,000 loans?

A $3,000 loan with Red Tree Finance allows you to borrow up to $3,000 in order to pay for anything you like, whether that’s necessary car repairs or last minute travel plans. Our fast and easy application process will get you access to your money in no time.

Why use a $3,000 personal loan?

Whether you want to minimise the stress of some unexpected medical bills or purchase a new appliance, our $3,000 cash loans can be used for a number of different purposes, including:

Our 100% online application is secure from any device, and there’s no need to gather mountains of paperwork. All we need is some current bank statements, employment payslips, and two forms of ID.

How our $3,000 small cash loans work

Applying for a loan can be a lengthy process, especially if you use a big bank. This makes things stressful when you need money fast. That’s why we’ve made our online application process super easy. It only requires a few documents and you’ll get an answer from us in just two hours, which means less time worrying and more time attending to your needs.

Quick & hassle-free application

You can easily apply via our secure online form. The application takes less than five minutes to complete. However, before applying we recommended preparing your payslips, bank statements and ID.

Get a decision within two hours

Once we receive your application, it is assessed by one of our friendly loan team members. All our assessors are based in Australia, so you can expect an answer within two hours of submitting your application. Once approved, the funds will be received in your bank account within one business day.

Repayments your way

At Red Tree Finance, helping Australians get fast access to money is our top priority. To make life easier, we offer flexible loan repayments and the ability to align them with your paydays, whether that’s weekly, fortnightly, or monthly repayments.

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

Am I eligible to apply for a $3,000 loan?

You are eligible to apply for a $3,000 personal loan if you:

Eligibility Criteria
  • Are at least 18 years old

  • Are you a permanent resident of Australia or valid visa holder

  • Own an unencumbered vehicle registered in your name

  • Have been employed for at least 3 months

Transparent loan rates and fees

At Red Tree Finance, we have no hidden fees and charges. All your $3,000 quick loan information is 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

$20 (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

How to get a $3,000 small loan online

Our easy 3-step $3,000 loan process starts with your online loan application, which can be completed in less than five minutes. It’s as easy as 1-2-3.


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.

The information provided here is of a general nature and is provided without considering your specific objectives, financial situation, or needs. It is intended for informational purposes only and should not be relied upon as financial, investment, or other professional advice.

Before making any financial decisions or taking action based on the information presented, you are strongly encouraged to assess its appropriateness in light of your individual circumstances. Red Tree Finance does not intend to provide personalised financial advice, and you should seek independent financial, legal, tax, and other relevant advice tailored to your unique situation.

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.

Frequently Asked Questions

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Yes, if you already have an existing loan with another lender we are more than happy to consider your application. If you have any questions about applying with an existing loan, please don’t hesitate to contact us.

Yes, it is possible to get approved for a loan if you have no credit history and you won’t have to pay higher interest rates either.  Like most lenders, we carry out a credit check as part of our assessment of your application. 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 no credit history.

Getting a loan with Red Tree Finance is easy. Simply fill in our online application, which only takes 5 minutes! Once submitted, we will get back to you with an outcome within 2 hours.

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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