Looking for a fast cash loan in Perth? From the Western suburbs ‘golden triangle’ to Mandura or Jindalee, Red Tree Finance provides online loans to Western Australians in the city, suburbs or rural areas of WA.

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cash loans perth

Instant Cash Loans in Perth WA

When you need a cash loan quickly, you want to get an answer right away. With a Red Tree Finance instant cash loan, you’ll get an answer within 2 hours. There’s no waiting on hold with customer service or completing printed forms for the banks. Red Tree Finance provides an easier option to borrow small loans between $2100 and $5000.


Urgent Cash Loans in Perth

Stunning Perth gets more hours of sunshine than any other capital in Australia. Featuring 19 beaches to enjoy those extra daylight hours at, Perth is one of the most liveable cities in the world.

However it’s not always sunshine and rainbows when it comes to keeping up with the rising costs of living. In fact some items are more expensive in Perth than bustling Brisbane. A basic lunchtime menu in the business district costs more than capital cities like Brisbane, not to mention utility and internet prices.

Being so far away from the Eastern States can come at a cost, whether it’s the price of a pair of jeans or a summer dress, you’ll find that clothing is a little more expensive. Want to get fit for those long summer beach days? Gym membership will cost you more than in Brissy too. Rent has also been rising, and on average you’ll pay around 10% more in Perth than in Adelaide. (source).

Living in a sprawling city like Perth, running a car is essential to ensure you can get from A to B. While public transport in the CBD is free, to travel more widely a monthly public transport ticket will cost more in Perth than Melbourne.

Consider your situation before you apply for an urgent cash loan

Before you apply for a cash loan in Perth, consider these factors to make the best decision for you.

  • Assess your financial situation: Consider your current financial situation to determine whether you need a loan. Do you have a regular income that you can use to repay the loan? Would you be able to budget or sell things you don’t need to save up the money? Consider if there are alternatives available to you, such as seeking financial assistance or negotiating with creditors.
  • Understand the costs of borrowing: Loans include interest rates and fees, so before you apply make sure you understand what the total cost of borrowing could be. Compare costs to ensure that the personal loan is the right financial product for you.
  • Know your rights and responsibilities: Review the terms and conditions of the loan contract so you know exactly what you are agreeing to. Make sure you understand the payment terms, interest rate and fees that may apply for late payments, before signing the loan contract.
  • Borrow responsibly: Choosing a responsible lender can give you confidence that the lender will consider your circumstances when offering a loan contract.
  • Create a budget: A budget can help you to stay on track with bills, loan repayments and ensure you put a little extra away to build up an emergency fund so you can meet those unexpected expenses.
  • 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 Perth

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 loan funds the 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

Western Australians are eligible to apply for a secured cash 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 each payday

Our fast loans have flexible repayment options that allow you to choose a weekly, fortnightly or monthly repayment — so you can make repayments in line 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 a small loan for?

Personal loans in Perth can be used for whatever your current needs are, from unexpected vet bills to emergency car repairs or to travel. The loan should meet your current needs and requirements, and you should be able to stick to your repayments.

Ready to apply?

Start your online application for a small personal loan and receive a decision within 2 business hours.

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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