If you’re looking for cash loans in Sydney, you’ve come to the right place. From Bondi Beach and the CBD, to Mona Vale, the Blue Mountains and beyond, Red Tree Finance provides easy online loans to Sydneysiders and all New South Welshmen.

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Get cash loans Sydney from Red Tree Finance

Same day cash loans in Sydney

When you need a fast loan, there’s just no time to be queuing at the bank, going through mountains of paperwork, or waiting on hold with a call centre. That’s why Red Tree Finance offers small personal loans of between $2100 and $5000 online.

Quick cash loans for Sydneysiders

Sydney life can be expensive. In fact, according to Mercer’s 2022 Cost of Living City Ranking, Sydney is the 58th most expensive city in the world. Rental prices are jaw-dropping, and both the housing market and public transport are the most expensive in Australia.

Unfortunately, Sydneysiders generally pay more for meals and drinks than in any other Australian city. Even groceries tend to cost more in the New South Wales capital. So it’s no surprise that vet bills and medical treatment tend to be higher here too.
With the overall cost of living rising, the added pressure of unexpected expenses can be extremely stressful. We’re all trying to stick to a budget, so when a surprise bill pops up, it can cause real problems. It’s at times like these when an emergency loan can feel like a lifeline. It allows you to pay the bill when it’s due and then repay the borrowed money in manageable instalments over a period of time.

Things to consider before applying for a quick cash loan

Before you apply for a quick loan, consider the following factors so that you’re confident in your decision.

  • Examine your financial situation: Assess your current financial situation to determine whether you truly need the loan. Are there other alternatives, such as borrowing from friends or family, negotiating with creditors, or seeking financial assistance from social services or non-profit organisations?
  • Understand the costs: Loans come with interest rates and fees. Make sure you understand the total cost of the loan, including the interest rate and any additional charges. Compare these costs with other forms of borrowing to see if it’s the most cost-effective option.
  • Read the Ts and Cs: Carefully review the terms and conditions of the loan agreement. Pay attention to the repayment terms, interest rate, and any penalties for late payments or defaults. Ensure you fully understand the loan agreement before signing.
  • Know your rights: Familiarise yourself with your rights as a borrower and whether your lender has committed to responsible lending.
  • Create a budget: Develop a budget to manage your finances and avoid relying on cash loans in the future. A budget can help you plan for unexpected expenses and build an emergency fund.
  • Seek financial counselling: If you find yourself needing a loan frequently, consider seeking financial counselling or advice from a non-profit credit counselling agency. They can help you develop a plan to improve your financial situation. Find out more about debt counselling at nsw.gov.au.

How to apply for a Sydney cash loan

Our loan application is quick, easy and 100% online—and in most cases, you’ll receive the funds the very same day. That’s as close as you can get to an instant loan from a responsible lender. All you need to apply are some basic details 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.

Eligibility criteria

New South Wales residents are eligible to apply for a 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

Urgent loans that align with your payday

Our Sydney cash loans come with flexible repayment terms that allow you to choose between weekly, fortnightly or monthly repayments—whatever works best to align with your payday. And we’re completely transparent about our interest and fees:

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 cash loan for?

You can use the cash you borrow for anything you like. From emergency car repairs to a new rental bond, family funeral, or much-needed holiday, as long as you stick to your repayment schedule, the funds can be used as you see fit.

So what are you waiting for?

Apply online for a small cash loan and get a decision within 2 business hours.

Know someone interstate who needs a cash loan?

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

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

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