In search of a fast cash loan in Townsville? Whether you’re situated in the vibrant suburbs of Kirwan, North Ward, or Bushland Beach, or enjoying the scenic beauty around Castle Hill and Magnetic Island, Red Tree Finance is your trusted destination for fast online loans in and around Townsville.

Apply for a cash loan now

cash loans townsville

Same day cash loans Townsville

In the lively atmosphere of Townsville, dealing with bank queues, extensive paperwork, or prolonged phone waits isn’t ideal when you require an instant loan. That’s why Red Tree Finance offers the ease of same-day cash loans, ranging from $2,100 to $5,000, all conveniently accessible online.


Fast Personal Loans in Townsville

Residing in Townsville offers a unique blend of charm and convenience. Surrounded by stunning beaches and enriched with cultural diversity, Townsville stands as a vibrant Australian city.

Despite being one of the more affordable cities in Australia, it still ranks in the top 37% of the most expensive cities globally.

Like any thriving city, Townsville has its financial considerations. While it maintains affordability, the city’s cost of living places it in the upper echelon of global expenses. Even amidst its affordability and cultural richness, the financial dynamics of Townsville might prompt thoughts of seeking a little extra financial support.

If you’ve ever considered the prospect of a small personal loan to navigate through these aspects of life, you’re not alone in your contemplation.

Consider your situation before you apply for a short term loan

Before you apply for a cash loan in Townsville, consider these important points to make sure it’s the best decision for you.

  • Evaluate your financial standing: Before applying for a loan, assess your financial situation to determine the necessity. Do you have a steady income to meet repayments on time? Consider saving money on things you don’t need. Explore alternatives like financial assistance or negotiating with creditors.
  • Assess the total borrowing costs: Understand that loans come with associated fees and interest rates. Prior to application, grasp the overall cost of the personal loan. Conduct a thorough cost comparison to ensure the suitability of a quick loan for your financial needs.
  • Familiarise yourself with contract terms: Before applying, carefully review the loan contract terms and conditions. Be well-informed about payment terms, interest rates, and fees. Avoid surprises by understanding the details before signing the loan agreement.
  • Borrow responsibly: Choose a reputable lender after thorough research to ensure a personalised loan evaluation based on your circumstances. This prevents over-borrowing beyond your financial capacity.
  • Craft a financial plan: Develop a budget to manage bills and loan repayments, while gradually saving for unexpected expenses. A budget serves as a guide for responsible financial management.
  • Seek financial guidance: If borrowing becomes a frequent need, consider seeking advice from a non-profit credit counselling service for a tailored plan. The National Debt Hotline at 1800 007 007 offers free assistance.

How to apply for a Townsville cash loan

Our loan application is simple, 100% online & can be done in 5 minutes — you may even receive the funds the very same day. That’s as close as you can get to a fast 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

Townsville folk 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 Townsville cash loans come with flexible repayment terms that you can choose between. We offer weekly, fortnightly or monthly repayments—whatever aligns with your financial schedule and commitments. And we value transparency 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 online loan for?

You can use a Townsville cash loan for many different things. From vet bills to a loan to support funeral costs or even to help cover your wedding. Whatever you may need your cash loan for, as long as you’re eligible, it’s your cash to use anyway 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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