Loans For Bills

  • Easy online application

  • Approvals within 2 business hours

  • Australia-based assessors

What are loans for bills?

A loan for bills is a cash loan that helps individuals cover their unexpected bills and expenses. With a loan for bills, individuals can manage their financial obligations and decrease temporary financial burdens by receiving upfront cash to pay back later. With a quick bills loan, you get a structured repayment plan, allowing you to make regular payments over a time period that works for you until the loan is fully repaid.

Our loans for bills can be used for unexpected:

  • Electrical bills
  • Water bills
  • Gas bills
  • Council rates
  • Any other large household bills

Why get a loan to help pay bills?

Sometimes in life, all the big bills come at once – like when you’re moving house, for example. Getting a personal loan can be a practical solution when you are facing unexpected or high expenses. It can provide immediate financial relief, allowing you to cover essential bills, such as utility bills, with a lot less stress.

Additionally, a loan for bills can help you manage your budget more effectively. It provides a structured repayment plan, giving you the flexibility to spread out the loan repayments. It helps take the strain off your bank account. Ultimately, a loan for bills offers peace of mind, ensuring that you can meet your financial obligations and maintain stability during financially challenging times.

How our loans for utility bills work

Apply online in 5 minutes

Discover the convenience of applying for personal loans through our 100% secure online application form. Completing the form will take less than 5 minutes, with minimal documentation required. Enjoy a hassle-free application process.

Fast decision in 2 hours

We value your time and strive for efficiency. Our dedicated team of Australian-based assessors will promptly review your online loan application and provide a fair decision within 2 business hours of submission. Get the answers you need without delay.

Flexible repayment options

We understand the importance of flexibility in managing your finances. Our loan terms offer flexible repayment plans tailored to your budget and preferences. Choose from weekly, fortnightly, or monthly payment options that suit your financial circumstances. We’re here to support you.

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibilities very seriously. Our team of experienced loan assessors in Australia will only recommend loans for bills that they confidently believe can be repaid.

As responsible lenders, we carefully take into account each customer’s individual circumstances to make the best possible decision.

Read our full Responsible Lending Statement

Am I eligible to apply for a bill payment loan?

You will be eligible to apply for a bill loan in Australia if you:

Eligibility Criteria
  • Are at least 18 years old

  • Are 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

Loan rates and fees

At Red Tree Finance, you don’t need to worry about any hidden fees and charges. All your bill loan information is 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 apply for loans for bills online

You can apply for a loan for bills of up to $5,000 with Red Tree Finance. Simply fill out our online loan application form for free and get a decision within 2 hours.


Complete your application 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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When it comes to the loan amount at Red Tree Finance, you can borrow up to $5000 to assist you with paying your bills. That means less stress and more confidence knowing you’re financially supported. You can use the bill loan to cover any unexpected utility and household costs.

Getting approved for a bills loan depends on your individual circumstances and whether you meet our eligibility requirements. At Red Tree, loan applicants must be 18 or over, an Australian citizen or permanent resident, have a vehicle registered in their name, and employed for at least 3 months.

Our online application process allows you to apply for loans for bills in just minutes. All you need to do is provide a few details, and our team will swiftly review your application and provide a response within 2 business hours. It’s as easy as that.

If you’re wanting to make early repayments on your loan and stay ahead of your scheduled payments, simply contact us today.

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

Ready to consolidate your debt?

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

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