What are bond loans?

Bond loans are sums of money borrowed from a lender in order to pay a rental bond. These cash loans are a quick and hassle-free way of getting access to the money you need for the bond on a new house.

Why use a rental bond loan?

Rental bonds are normally up to four weeks’ rent in most states. In VIC, QLD, WA and SA, there are some variations to this. That’s quite a substantial sum. And when you need to secure a rental property in a hurry, a bond loan is an appealing option.
With a rental bond loan from Red Tree Finance, your application can be submitted from anywhere on any device, as it’s 100% online. There’s no need to queue at the bank or gather together mountains of paperwork. All we need is some current bank statements, employment payslips and two forms of ID.
You can get a rental bond loan from Red Tree Finance up to $5,000. You might want to borrow slightly more than your bond amount to help cover some of the other associated costs, like:

How our bond loans work

We know what the rental market is like. If you manage to find somewhere that approves your application, you need to secure that place fast. A super-fast rental bond loan from Red Tree Finance can help you do that.

Apply online in 5 minutes

Apply for a bond loan online via our secure application form. It takes less than five minutes. Just be sure to have your payslips, bank statements and ID ready. That’s all you need.

Get a decision within two hours

Submit your application and it’ll be reviewed by a member of our loans team. All our assessors are based right here in Australia, so there’s no time zone delays or confusing back and forth. You’ll get a decision within two hours and, if approved, the bond loan will land in your bank account within one business day. In fact, in most cases, you’ll receive the funds within one hour.

Repay your way

We’re responsible lenders and we’re here to help. So we’ve made repayments even easier for our customers by offering the ability to align repayment schedules with your paydays. Repay your way – weekly, fortnightly or monthly.

Commitment to responsible lending

At Red Tree Finance we take our lending responsibilities seriously. We only recommend loans that our assessors are confident can be repaid. So you don’t need to worry that you’ll be committed to repayments you can’t afford.

Read our full Responsible Lending Statement

Am I eligible to apply for a bond loan?

You are eligible to apply for a rental bond loan 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, we have no hidden fees and charges. All your bond 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

$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

You can apply for a bond loan online in just 3 steps. Don’t worry, it’s completely free to apply – even if your application is unsuccessful.


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 will need to be able to provide us with current bank statements, payslips, identification and your vehicle registration details.

With Red Tree Finance, you will receive an answer within two hours of submitting your application and, if approved, in most cases you will receive a direct deposit within one hour of approval but at the latest, funds will clear within one business day.

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.

Securing a bond loan and repaying it successfully can actually help to improve your credit score. By making your payments on time, you’ll find that your credit history will gradually improve. If you find that it’s hard to manage multiple debts, it might be a good idea to look into getting a debt consolidation loan, so you only need to make one recurring payment.

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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