Car Repair Loans

  • Easy online application

  • Get a decision in 2 business hours

  • Australia-based assessors

What is a car repair loan?

Whether you’ve been involved in a car accident, need quick service, or you are experiencing some unexpected mechanical issues, a car repair loan from Red Tree Finance can help you get out of a tough situation. To apply for this quick cash loan, all you need to do is fill out our 100% online application form (that takes less than 5 minutes) and you could receive the funds in your bank account within 1 business day.

Our car repair loans are very flexible and can be used for some of the following things, just to name a few:

  • Car services
  • Body repairs
  • Air conditioning
  • Brakes
  • Computers
  • Steering
  • Engine
  • Additional car accessories (mirrors, roof racks)

How our car repair loans work

To make the application process as easy as possible, we have created an 100% online application form that can be filled out anytime, from anywhere in Australia! We only require minimal documentation to assess your suitability, and you will receive a decision within 2 business hours! It’s really that simple.

Apply within minutes

Red Tree Finance offers an easy to complete, 100% online application form. We’ve timed the process and it takes less than 5 minutes to complete! Plus, to make things even easier, we will only ask for the minimal documentation to assess your suitability. This means you won’t need to go out of your way to gather hefty amounts of paperwork.

A fair decision in 2 hours

Once you have submitted your small loan application, our team of Australian-based loan assessors will carefully review your application to assess your eligibility. We don’t believe in computer-generated systems, instead you will get a fair go and receive an outcome in just 2 business hours! As responsible lenders, we will carefully consider your personal circumstances to recommend the best option for you.

Pay your way

To make your repayments easier, we offer the ability to align your repayments with your pay days. This means no more stressing about money coming out when it hasn’t come in yet. Choose from weekly, fortnightly, or monthly repayments.

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibilities seriously. Our experienced team of Australian-based assessors will only recommend a loan we believe you can repay. We will assess each individual application on merit to decide whether a loan is the best option for you. We practise responsible and trustworthy lending, always.

Read our full Responsible Lending Statement

Am I eligible to apply for a car repair loan in Australia?

You are eligible to apply for an emergency car repair loan if you meet all of the following criteria:

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

Car repair loan rates and fees

With Red Tree Finance, you won’t need to stress about any extra fees and charges. All your quick car repair loan amounts and fees are listed out 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 a personal loan for car repairs

Our super easy & fast car repair loan application can be completed in less than 5 minutes. It’s as easy as 1-2-3.


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

See All

At Red Tree Finance, you can borrow up to $5000 with any personal loan. This allows you to easily cover those small to large car repairs.

If you want to keep ahead of your car repair loan repayments, simply contact us today.

Applying for a car repair loan with Red Tree Finance couldn’t be easier. Simply fill out our 100% online application form (from anywhere, at any time) and we will get back to you with an outcome within 2 business hours of submission.

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.

Apply Now