What is a $4,000 loan?

A $4,000 loan with Red Tree Finance allows you to borrow $4,000 fast and repay it in installments that suit you. Whether you’re facing unplanned bills or you need a small personal loan for an upcoming holiday, Red Tree Finance has got you covered. There’s no need to wait in line at the bank, all you need to do is apply online and you will get the cash in your bank account within one business day. In fact, in most cases, you’ll receive the funds within one hour.

Why use a $4,000 loan?

A $4,000 personal loan can be used for a variety of different reasons. You are not required to tell us how you’re planning to spend it, just as long as you can make the repayments on time.
A $4,000 cash loan can help you pay for:

Simply apply online using our secure online form. All you will need are some current bank statements, employment payslips and two forms of ID.

How our $4,000 small cash loans work

We’ve been in your shoes. We know how stressful it is to apply for a cash loan with a bank then have to wait to find out if you’re successful. That’s why we offer a super easy application process that’s 100% online. We only require a few documents to make sure you’re able to repay your loan. If you have these to hand when you apply, we can give you a decision in just two hours.

Quick & easy application process

Our 100% online application form can be completed in less than 5 minutes. All you need to provide is some payslips, bank statements, and two forms of ID. Ensure you have these when you apply to minimise delays.

Get a decision in just two hours

Every application is reviewed by a real Australian rather than a computer algorithm. This means we can give you a fair and timely decision depending on your unique circumstances.

Flexible repayments your way

As responsible lenders, we have made the repayments even easier for our customers with the ability to align your repayment schedule with your paydays. This means you can choose to pay weekly, fortnightly or monthly.

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 $4,000 loan?

You are eligible to apply for a $4,000 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

No hidden costs or fees

At Red Tree Finance, we are transparent with our loan rates, fees and charges. All your $4,000 small personal 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 $4,000 small loan online

Our easy 3-step $4,000 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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For your convenience, we have an online loan repayment calculator where you can estimate how much you will be paying per week, fortnight or month. If you have any questions about our repayments, please do not hesitate to contact us.

Applying for a loan couldn’t be easier with Red Tree Finance. Simply complete our online application in just a few minutes. Once submitted, we will get back to you with a decision within two hours.

If your circumstances change and you can no longer make your repayments on time, please reach out to our Customer Care team for support and assistance.

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

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