Need a fast approval loan to hold you over until your next payday or sort out an unexpected bill? Maybe you were invited for exciting weekend plans, or need some car repairs and require an emergency personal loan fast. Whatever the reason, you can get same day cash with Red Tree Finance. Our Quick Cash Loans are here to get you the quick cash you need.
As a direct Aussie lender, we provide fast finance to a wide range of people, even those with low or bad credit ratings. You can apply for between $2,200 – $5,000 through our simple online application at any time and we’ll get you sorted.
Why get a fast cash loan?
Our quick online loans are popular with Australians for a reason. If you’re looking for the easiest loan to get with no hassle, we’re here to help! Our fast easy loans can help you with things like:
- Unexpected bills (like medical expenses or car repairs)
- Family emergencies
- Weekend plans and holiday travel
- Educational training programs
- Home improvements or repairs
- And much more
No matter the circumstance, we’re here to get you your online loan fast!
How do cash loans work?
We pride ourselves on our quick easy loans for Aussies who need money now. So, if an application is completed during normal business hours, our quick online loan approval usually comes within one hour (60 minutes) of receiving all required information and documents from you*.
Once a contract is signed electronically, we’ll deposit the funds directly into your bank account. If you return your contract by 3:30pm AEST, your funds will be transferred overnight, so you can have your Fast Cash Loan within 24 hours!
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
Flexible repayment options
To make it easy, we align repayment schedules with your paydays. You can set payments to be:
- Weekly
- Fortnightly
- Monthly
Quick cash loan eligibility
We only have 4 criteria for you to be eligible to apply for a fast cash loan:
-
Are at least 18 years old
-
Are a permanent resident of Australia or valid visa holder
-
Have been employed for at least 3 months
-
Own an unencumbered vehicle registered in your name
That’s it!
Can I get the money instantly?
Red Tree Finance now offers optional PayID instant money transfer, which means that once you have been approved and we receive the signed contract, the money can be in your bank account in seconds. So if you’re in need of fast cash urgently, Red Tree Finance is here to help!
Loan Rates & Fees
We like to keep things simple with our quick and fast loans.
Loan amount |
$2,350 – $5,000 |
Application Fee |
$0 (even if your application is not approved) |
Standard Establishment Fee |
$400 |
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 |
Interest is calculated daily, based on the outstanding balance and then applied to your account. Daily interest rates are computed by dividing the annual interest rate by 365.
Find out more: Payday loans rates and fees
Application process
If you’ve made it this far, you might be thinking an emergency loan is right for you. But what does the application process look like, and how does it work once you click apply? Most online lenders like to keep things as simple as possible to help you get what you need fast. The process is different for every lender, but there are some common steps you’re likely to encounter. Here’s what you can expect when applying for an emergency loan:
- Provide personal and financial details: Usually you’ll start by filling in some basic information with an online application form. Expect questions about emergency contacts, as well as details related to your employment and income.
- Information about your asset: If you’re securing the loan with an asset, like a car or other vehicle, you’ll generally have to provide the registration, make, and model. If you’re applying for an unsecured loan, you won’t have to worry about this step.
- Supporting documents: Lenders need to verify your identity by asking for ID, bank statements, or payslips. It might speed up the application process if you have these things ready before you apply.
- Assessment: All the information you’ve provided so far will be reviewed. If there’s any doubt, the lender might request additional information from you at this stage.
- Review your offer: If approved, you’ll receive a loan agreement. Make sure you read through any agreement carefully, paying attention to all the terms and conditions before you accept and sign.
- Receive funds: Once you’ve accepted your offer, you’ll get your funds! Bank transfers usually happen within the hour, but they can take up to two business days. Options like PayID can make the transfer almost instant.
Red Tree Finance makes the application process easy with just three simple steps you can complete 100% online! That means you can apply from home, work, or on the go.
Get a quick online loan today
Whether it’s for an unexpected bill, a last-minute holiday, or to consolidate existing debt, give yourself a break and apply now with a top-rated private Australian lender.
Can I get a fast cash loan with bad credit?
Yes! We can offer fast approval on last minute loans, even if you have bad credit. Bad credit can happen to anyone, so we look at the ‘here and now’ of your situation. Our (human!) assessors will evaluate current bank statements and review each loan application individually. So you will always get a fair go with us.
Do you offer quick cash loans for Centrelink customers?
Yes, you can get approved for a small quick cash loan from Red Tree Finance if you are on Centrelink. You will still need to meet our eligibility and lending criteria, and Centrelink cannot be your only income.
Why customers love Red Tree Finance Quick Fast Cash Loans
Unlike other digital lenders, Red Tree Finance puts you first. Customers prefer Red Tree Finance because:
- We offer speedy approval
- The latest and safest banking technology is used
- Our service is 100% online (that’s right: no paperwork hassle)
- Our customer care team is friendly and always ready to help
- We always use human assessors (not computers!)
A responsible direct lender
At Red Tree Finance, we keep you top of mind. And as responsible lenders, we always practise responsible, reliable, and trustworthy lending. Because of this, we only approve your application if we believe you have the ability to repay the loan over the life of the loan contract.
Check out our reviews to see what Red Tree Finance customers love about our online fast cash loan service!
Lending, made clear
View all FAQs View all FAQsYes, if you have other loans, then you can still apply for a loan with Red Tree! We look at your ability to repay the loan, taking into account your living expenses and other financial commitments. We will only approve your application if we believe you can afford to repay your Red Tree loan.
Yes, if you have other loans, then you can still apply for a loan with Red Tree! We look at your ability to repay the loan, taking into account your living expenses and other financial commitments. We will only approve your application if we believe you can afford to repay your Red Tree loan.
Yes, if you have other loans, then you can still apply for a loan with Red Tree! We look at your ability to repay the loan, taking into account your living expenses and other financial commitments. We will only approve your application if we believe you can afford to repay your Red Tree loan.
Yes, if you have other loans, then you can still apply for a loan with Red Tree! We look at your ability to repay the loan, taking into account your living expenses and other financial commitments. We will only approve your application if we believe you can afford to repay your Red Tree loan.
Yes, if you have other loans, then you can still apply for a loan with Red Tree! We look at your ability to repay the loan, taking into account your living expenses and other financial commitments. We will only approve your application if we believe you can afford to repay your Red Tree loan.
