What is a $5,000 loan?

A $5,000 loan is a quick cash solution that can be used to pay for anything you like. From home repairs to extra holiday funds and medical bills, an easy personal loan of $5,000 from Red Tree Finance is a great option to get money in your bank account, fast.

Why use a $5,000 personal loan?

Sometimes life can throw unexpected expenses your way, or maybe you’re just in need of some extra funds for personal use. Whatever the case may be, a $5,000 cash loan is an easy and fast solution. Our cash loans can help you pay for life’s larger expenses, including:

How our $5,000 cash loans work

We all know that applying for a loan can be a lengthy process, but it doesn’t have to be. At Red Tree Finance, we make our online application process super easy, and it can be completed in just a few minutes from your mobile phone, tablet or computer.

100% online application

For your convenience, our application form is 100% online and can be accessed from any device. We have a secure online portal, so you don’t have to stress about sharing your personal documents with us. Once you have gathered your relevant documentation, the process only takes 5 minutes or less to complete.

Get a decision within two hours

Within just two hours, our Australian-based loan assessors will get back to you with a decision. If approved, the money will be available in your bank account within one business day. In fact, in most cases, you’ll receive the funds within one hour. So you can breathe a sigh of relief.

Easy repayments your way

Sticking to your loan repayments couldn’t be easier. At Red Tree Finance, we offer a repayment schedule that aligns with your paydays. Whether that’s weekly, fortnightly, or monthly, you can pay at a time that suits you.

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 $5,000 loan?

You are eligible to apply for a $5,000 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

No hidden costs or fees

At Red Tree Finance, we are transparents about all our loan rates, fees and charges. All your $5,000 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 $5,000 small loan online

Our easy 3-step $5,000 loan process starts with your online loan application. 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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You can easily get a $5000 loan at Red Tree Finance. All you need to do is submit an application via our online portal, which only takes 5 minutes. Once you have submitted your application, we will get back to you with a decision within 2 hours.

We only require a few documents to get your loan application started. These include your current bank statements, employment payslips, and two forms of ID.

Yes, we do offer personal loans for people who have no prior credit history. Our interest rates will also stay the same under these circumstances.

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.

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

Ready to apply for a loan?

Apply to borrow loan amounts of up to $5,000 fast. It’s completely free to apply, even if you’re application is unsuccessful.

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