Looking for a quick cash loan in Canberra? From Belconnen and Gungahlin, to Tuggeranong, Weston Creek and beyond, Red Tree Finance provides cash loans to Canberrans in the city, suburbs or rural areas.

Apply for a cash loan now

Red Tree Finance provides cash loans in Canberra and beyond

Quick Cash Loans in Canberra, ACT

Need fast cash but don’t want to wait for ever in line at the bank? No problem. Red Tree Finance provides a new, convenient way for Canberrans to borrow money instantly. Just apply online in minutes and you’ll get an answer within 2 hours. Borrow between $2100 and $5000 and you could have a loan the same day.


Easy personal loans in Canberra and beyond

From the imposing white walls of Parliament House and the Australian War Memorial, to the still waters of Lake Burley Griffin, and the museums and galleries of King Edward Terrace, Canberra is a celebration of architecture, beauty, history and culture.

There’s so much to love about living in Canberra. The world class universities, the forward-thinking and open-minded vibe, the proximity to the “Bush” and other places of interest, all make Australia’s capital city an appealing place to call home.

However, living in Canberra isn’t cheap. In fact, if you exclude rent, it’s 4.4% more expensive than living in London, UK! Eating out in Canberra costs 26.6% more than in London and the cost of groceries is 18.7% higher.

If you’re thinking of getting your foot on the housing ladder, beware. Canberra is the second most expensive place in Australia to buy a home; it’s the 7th most expensive globally.

So while Canberrans are spoiled for art, culture, education and so much more, sometimes it feels like you need a small cash loan just to make ends meet.

Consider your situation before you apply for a quick cash loan

Before you apply for an online loan in Canberra, consider whether you really need it. Here are some steps to take:

  • Assess your financial situation: Ask yourself, are you earning enough to be able to repay the loan? Could you make a budget and stick to it? Is there the option of selling unwanted possessions to generate a bit of extra cash? What about alternative borrowing options, like asking friends or relatives?
  • Choose a responsible lender: Educate yourself about responsible lending. Opting for a responsible lender means you can be confident you’re not being signed up to a loan you can’t afford.
  • Understand the costs of borrowing: All loans come at a price. Before you apply, make sure you understand what the total cost of borrowing will be. This includes the interest rate and fees you’ll be charged as part of the loan. Compare these costs with other borrowing options, like credit cards, to ensure that a personal loan is the right financial product for you.
  • Know your rights and responsibilities: Review and understand the terms and conditions of the loan contract before signing. Pay attention to any late payment fees, so you know exactly what to expect.
  • Seek financial counselling: If you’re finding that you need to borrow money often, have a think about getting some financial counselling. This can help you develop a plan to improve your financial situation. There are non-profit credit counselling services available. One free service is the National Debt Hotline on 1800 007 007.

How to apply for an instant cash loan in Canberra

All our loan applications are online, quick and easy. Once complete, our customer service team will review your application and provide you with an answer within 2 business hours. To apply online, you’ll need some information about your employment and vehicle ownership.


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.

Loan eligibility criteria

Canberrans are eligible to apply for a secured loan with Red Tree Finance 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

Fast loans with repayments every payday

Our fast loans come with flexible repayment options. Simply choose a weekly, fortnightly or monthly repayment to align with your payday. As a responsible lender, we are transparent about our fees and charges, so you know exactly what the costs will be.

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

What can I use my online loan for?

Our Canberra cash loans can be used for whatever you need. From financing medical treatment and moving house costs to funding a holiday, as long as you can make your repayments, you can use the cash in any way you like.

Ready to apply?

Start your online application for a small personal loan today.

Need a cash loan in another state or city?

Our online loans are available throughout Australia:

  • Melbourne
  • Adelaide
  • Hobart
  • Cairns
  • Darwin
  • Perth
  • Townsville
  • Brisbane
  • Canberra
  • Newcastle

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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To work out your monthly repayments, we offer a loan repayment calculator to make things easier for you. If you have any questions about our repayments, please do not hesitate to contact us.

Yes, we do offer personal loans with no prior credit history and the interest rate will not change with this. 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.

It’s super easy when it comes to getting a loan with Red Tree Finance. All you need to do is fill out your online loan application, which only takes a few minutes. Once our team has reviewed your application you will receive a decision within two hours.

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 apply for a loan?

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

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