Funeral Loans

  • Easy online application

  • Get an outcome in 2 business hours

  • Australia-based loan assessors

What is a funeral loan?

A funeral loan is a cash loan designed to provide funds to pay for funeral expenses. It provides individuals and families with the money needed to manage funeral arrangements, including burial or cremation services, caskets or urns, memorial ceremonies, and other related expenses.

Why get a funeral loan?

There are several reasons why people decide to apply for a loan for funeral expenses. Firstly, it helps decrease the financial burden that comes with unexpected funeral bills and costs. Losing a loved one is already emotionally challenging, and a funeral loan can provide the necessary financial support during this difficult time.

A funeral loan allows individuals to honour their loved ones by organising a meaningful farewell. Plus, it ensures that you can provide the necessary arrangements and services that reflect your loved one’s wishes and values.

Our funeral loan can also provide peace of mind, by offering a structured repayment plan that suits your financial situation. It can help to manage the funeral expenses over time without placing an immediate strain on your finances.

How our funeral loans work

At Red Tree Finance, we understand the financial strain of funeral expenses. To ease your stress during this difficult time, we offer a simple and secure 100% online application for personal loans. Complete it in less than 5 minutes, and our dedicated loan assessors will provide a response within 2 business hours.

Australian-based loan assessors

Count on our team of Australian-based loan assessors to review your loan application and provide an outcome that keeps your best interests in mind. Unlike impersonal computer-generated systems, we offer the real thing right here in Australia. Expect a decision within 2 business hours of submitting your application and you can even get the funds in your bank account the very same-day.

Apply effortlessly in 5 minutes

Enjoy the simplicity of our 100% online application form, accessible from anywhere, at any time. Our user-friendly form has been tried and tested by our team, ensuring a fast process that takes less than 5 minutes to complete. Minimal documentation is required. It’s just as easy as 1-2-3!

Flexible repayment options

We understand the challenges you can face when needing an emergency funeral loan. Which is why we offer flexible repayment schedules to suit your financial situation. Choose from weekly, fortnightly, or monthly repayments that align with your paydays. Rest assured, we’re here to help you overcome financial difficulties.

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibilities seriously. We handle each application with careful consideration and we have no interest in providing a loan that cannot be repaid. We practice reliable, responsible and trustworthy lending – each and every time.

Read our full Responsible Lending Statement

Am I eligible to apply for a funeral loan?

You are eligible to apply for a funeral loan in Australia 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

Funeral loan rates and fees

Along with our quick and easy application process, our fees and charges are completely transparent. All your funeral loan repayments and monthly fees are 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 apply for a quick funeral 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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Basic funerals in Australia can cost anywhere between $4,000 – $15,000 depending on the services you choose.

With our easy online application, you can apply in a matter of minutes! Once submitted, our experienced team will review your application and provide a fair decision within 2 business hours. This allows you to receive the financial assistance you require for your loved one’s funeral arrangements promptly.

At Red Tree Finance, we have an easy payment schedule that allows you to align your payments with your paydays. With the option to pay off your loan weekly, fortnight or monthly – you can grieve in comfort without having the stress of money in the back of your mind.

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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