Christmas Loans

  • Apply online in 5 minutes

  • Minimal documentation required

  • Get a decision in 2 hours

What is a Christmas loan?

With the festive season approaching, you may be looking to borrow some cash to make the holiday season extra special. Whether you’re looking to afford a quick getaway or need a cash loan for some more presents under the tree, Red Tree Finance has you covered! Whatever your plans are for this holiday season, our Christmas loans can be applied for 100% online and in less than 5 minutes.

Our Christmas loans can be used for things like:

  • Flights
  • Accommodation
  • Travel insurance
  • Holiday expenses
  • Christmas shopping
  • Extra spending money

How our Christmas loans work

If you have some exciting holiday plans, but you find yourself short on cash, a loan for Christmas time with Red Tree Finance is the perfect solution. To apply, all you need to do is fill out our 100% online application form and you will receive a fair decision in just 2 hours.

Apply in under 5 minutes

To make the whole application process easy for you during this busy period, it’s 100% online and can be completed in less than 5 minutes! At Red Tree Finance, we believe in giving everyone a fair go. That’s why our experienced team of Australia-based assessors will give you an outcome in just 2 hours.

Avoid gathering piles of paperwork

As responsible lenders in Australia, we do require some paperwork to assess your ability to repay the personal loan. However, we only ask for minimal documentation, and will assess your personal circumstances to ensure you can confidently repay the loan. Plus, our team will give you an outcome in 2 business hours.

Flexible repayments

At Red Tree Finance, we offer a flexible repayment schedule (weekly, fortnightly, or monthly) so you can easily align your payments with your pay days. This means no more stress about money going out when you haven’t been paid yet.

Commitment to responsible lending

The team at Red Tree Finance are 100% committed to responsible lending in Australia. This means we will never recommend a loan that we believe you cannot repay. To give you a fair go, we will assess your individual circumstances to make the best possible decision.

Read our full Responsible Lending Statement

Am I eligible to apply for a Xmas cash loan?

You are eligible to apply for a small Christmas loan if you:

Eligibility Criteria
  • Are at least 18 years old

  • Are 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

Christmas loan rates and fees

Along with our quick and easy application process, our fees and charges are completely transparent. All your Christmas money loan repayments are listed as below.

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

How to apply for a quick Christmas loan

Simply complete our 100% online application in less than 5 minutes, and you will receive an outcome in 2 hours. It’s as easy as 1-2-3.


Complete your application 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.

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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With a Christmas loan at Red Tree Finance, you can borrow a loan amount of up to $5000. Depending on your plans, this small loan can easily help you to afford a small holiday or other Christmas expenses for your family and friends.

At Red Tree Finance, we assess each loan application individually and 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 a poor credit history.

Applying for a loan with Red Tree Finance is as easy as 1-2-3. Simply fill out our 100% online application form and you will receive an outcome within 2 hours of submission.

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

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