Looking for a fast cash loan in Darwin? From the waterfront suburbs of Nightcliff and Fannie Bay to Palmerston City, Humpty Doo and beyond, Red Tree Finance provides online loans to Northern Territorians in the city, suburbs or rural areas.

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Cash loans in Darwin

Fast Cash Loans in Darwin NT

When you need fast cash, you don’t want to be waiting around at the bank. Nobody’s got time for that. With a Red Tree Finance instant cash loan, you’ll get an answer within 2 hours. Not only that, you can apply online in minutes. That’s right, Red Tree Finance provides an easy, fast and convenient option for Territorians wanting to borrow between $2100 and $5000.


Easy personal loans in Darwin and beyond

With its tropical climate, year-round warm weather and laid-back, relaxed lifestyle, Darwinians have a wonderful city to call home. Surrounded by stunning natural beauty, Darwin is close to a number of national parks, including Kakadu National Park and Litchfield National Park.

There’s so much to love about living in Darwin, like its vibrant, exotic vibe and outdoorsy lifestyle. However it’s not perfect; Australia’s Top End is not immune to the difficulties and costs of modern life. In fact, it costs more here to buy a meal at Maccas than it does in Adelaide!

You can expect to pay more in Darwin for almost all food and beverage items, both for eating in and eating out. In fact, restaurant prices in Darwin are 12.15% higher than the Australian average.

The tropical weather also has its downsides. The heat can be so extreme that many of Darwin’s 150,000 residents seek refuge in air-conditioned homes, offices and cars. And these come at a cost.

So while Australia’s only tropical capital city is a great place to live, you might also find that you need a small cash loan to help you pay for those everyday essentials.

Consider your situation before you apply for a fast cash loan

Before you apply for an emergency loan in Darwin, consider these factors.

  • Assess your financial situation: Consider your current financial situation to determine whether you actually need a loan. Do you have a regular income that you can use to repay the loan? Would you be able to make a budget to stick to, or sell some things to make a bit of extra money? There may be some alternative options to a loan, like asking friends or relatives, or negotiating with creditors, that you could try first.
  • Understand the costs of borrowing: A loan comes at a price. Before you apply, make sure you understand what the total cost of borrowing would be including the interest rate and fees. Compare these costs with other borrowing options, like credit cards, to ensure that a small personal loan is the right financial product for you.
  • Know your rights and responsibilities: Don’t sign anything until you’ve reviewed and understood the terms and conditions of the loan contract. Pay attention to any late payment fees, so you know exactly what to expect.
  • Borrow responsibly: Choosing a responsible lender can give you confidence that they aren’t signing you up to a loan you can’t afford to repay.
  • Seek financial advice: If you find you need to borrow money often, consider seeking financial counselling from a non-profit credit counselling service. This can help you develop a plan to improve your financial situation. One free service is the National Debt Hotline on 1800 007 007.

How to apply for an instant cash loan in Darwin

Our online loan application is quick and easy. Once complete our customer service team will review your application and have an answer within 2 business hours, so you could have the cash the very same day. 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

Northern Territorians 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, so you can 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 Darwin cash loans can be used for whatever you need. From emergency car repairs to paying bills or the costs of moving house, 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.

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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

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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