Fast Loans

  • 5 minutes to apply

  • 2 hours to be approved

  • Funds clear the same day

What is a fast loan?

Have you recently been hit with an unexpected expense? A medical bill, car repairs, or perhaps you’re even planning a quick getaway? Whatever it is, it can be tough when you need cash and you don’t know where to turn. That’s why we offer fast loans, so you can get the funds you need, fast!
Our fast loans can be used for:

How our fast loans work

Having a last-minute expense can be stressful. But, with a cash loan from Red Tree Finance, it doesn’t have to be. Our small personal loans are designed to be super-fast, so you can get the extra funds you need when you need them.

Apply online fast

Applying for a fast loan in Australia is 100% online with Red Tree Finance through our secure form. It only takes 5 minutes to complete!
Unlike many lenders, we only require the information that is 100% necessary for assessing your ability to repay the loan right now. So there’s no need to run around trying to find certified documents or property contracts.

Guaranteed outcome in 2 hours

Once your application has been submitted, a member from our team will review it and give you a decision within 2 hours. If your application has been approved, you could receive the cash in your bank account within one business day at the latest but often even sooner than that.
Because we use actual Australians for our loan applications, you will receive a fair outcome that considers your current financial situation.

Choose how to pay

With a quick easy loan from Red Tree Finance, we will align your repayment schedule with your paydays, to make things that much easier. No more stressing about money going out when it hasn’t yet come in. Choose to pay in monthly, fortnightly, or weekly installments.

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibilities seriously. Our experienced team will only recommend fast loans that they believe can confidently be repaid. We practise responsible, reliable, and trustworthy lending—always.

As responsible lenders, we will carefully consider each customer’s individual circumstances to make the best possible decision. This means you don’t need to worry about committing to a loan you won’t be able to repay.

Read our Full Responsible Lending Statement

Am I eligible to apply for a $5,000 loan?

You will be eligible to apply for a fast money loan in Australia 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

Quick loan rates and fees

At Red Tree Finance, you don’t need to worry about any hidden fees and charges. All your quick loan payment information is 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 fast loan online

You can apply for a loan of up to $5,000 with Red Tree Finance. Simply fill out our online application form for free and get a decision within 2 hours.


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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A quick money loan with Red Tree Finance should only take a day or two. You can easily fill out our online application form within 5 minutes and you will get a decision from us in only 2 hours. Depending on what time your application is approved, you can have the money in your bank the same day!

At Red Tree Finance, we assess each applicant on their own merit. We will consider a range of factors to determine whether you qualify for a secured loan, so it may be possible to get a loan even with a low credit score!

We offer fast loans over 12 months or less. However, you can always make additional repayments and pay off your Red Tree loan early.

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 loan amounts of up to $5,000 fast. It’s completely free to apply, even if you’re application is unsuccessful.

Apply Now