What are emergency loans?

Our emergency cash loans are a quick and stress-free way of getting access to extra funds when you need it most. There’s no need to wait in line at the bank or fill out piles of paperwork, and in most cases you’ll get the cash you need on the same day.

Why use an emergency cash loan?

Emergencies come in all shapes and sizes. When a freak storm destroys your garden shed, your beloved family pet breaks their leg, or your car’s alternator gives out, a quick emergency loan from Red Tree Finance can help you out of a tight spot.
No matter what the emergency is, you can borrow up to $5,000 quickly and easily with Red Tree Finance. Emergency loans can help pay for:

How our emergency loans work

Applying for a loan and waiting for a decision, especially when it’s an emergency, can feel like a nightmare. That’s why our application process is super easy. Plus, you’ll get an answer from us in just two hours, which means less time fretting and more time fixing the emergency

Speedy, simple applications

Applying for an emergency loan is done 100% online through our secure application form. We’ve timed the process and it takes less than five minutes.
Another reason Australians trust us in an emergency is because we only ask for the information we need to assess your ability to repay the loan. We don’t ask you any unnecessary personal questions. This means there’s no need to gather mountains of documentation to complete your application.

A fair decision in just two hours

Once you’ve sent us your application, it is assessed by a member of our Australian-based loans team. All applications are reviewed by real Australians rather than computer algorithms or offshore processing centres. This means we’re able to guarantee a fairer outcome that takes into account the circumstances of the individual.
Our assessors commit to delivering an answer to all applicants within two hours of receiving the application. If your emergency loan is approved, you’ll have the funds in your bank account within one business day. In fact, for most people, the funds clear within one hour.

Flexible repayment options

Helping Australians cope with the emergencies life throws at them and avoid financial distress is our reason for being. So to make your repayments easier, we offer the ability to align repayment schedules with your paydays.
That way, you can choose when to make your repayments – weekly, fortnightly or monthly. Whatever works best for you.

Commitment to responsible lending

At Red Tree Finance we take our lending responsibilities seriously and are committed to lending responsibly.
We have no interest in providing a loan that cannot be repaid. Our Australia-based assessment team takes careful note of each customer’s individual circumstances before recommending a loan amount to ensure we don’t lend customers more than they can afford to repay.
Read our full Responsible Lending Statement

Am I eligible to apply for a debt consolidation loan?

You are eligible to apply for an emergency cash 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

Loan rates and fees

At Red Tree Finance, we have no hidden fees and charges. All your emergency loan payment information is as listed 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 get an emergency loan

Our easy 3-step emergency loan process starts with your online application, which can be completed in less than five minutes. It’s as easy as 1-2-3.


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.

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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All you need to provide us with is current bank statements, employment payslips and two forms of ID.

Most people will receive a direct deposit within one hour of approval but at the latest, funds will clear within one business day.

It’s really up to you. Emergency loans can help you pay for unexpected expenses like vet or medical bills, home or car repairs. Whatever life throws at you, you can tackle it with an emergency loan from Red Tree Finance.

If your circumstances change and you feel you are unable to make a repayment, please reach out to our Customer Care team for support and assistance.

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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