Instant Loans

Instant loans are fast personal loans designed to provide quick financial relief when unexpected expenses arise. At Red Tree Finance, our instant loans offer a streamlined application process that delivers funding decisions within two hours, making them one of the quickest loan solutions available to Australians.

While no responsible lender can provide truly “instant” cash, our instant loans come as close as possible. Whether you’re facing a last-minute bill or need extra cash for a new household appliance, Red Tree Finance can get a cash loan to you in no time!

Instant loans are incredibly flexible and can be used for virtually any personal financial situation. Our instant loans are commonly used  for:

• Unexpected medical expenses or vet bills
• Emergency home repairs
• Last-minute car repairs and vehicle expenses
• Flights and transport
• Travel plans and holidays
• Rental bonds and moving expenses
• Replacing major appliances and electronics

Unlike traditional bank loans that can take weeks to process, our instant loans provide the speed you need when time is critical. Our 100% online loan application means you can apply from anywhere, at any time.

Getting an instant loan shouldn’t add stress to your financial situation. Our streamlined online application process is super easy and only takes you a few minutes to complete. We only need a few documents from you to assess your loan application, so you can receive an outcome from us within two hours or less! 

Apply within minutes

Red Tree Finance offers an easy online loan application. Our secure, 100% digital process takes less than 5 minutes to complete from start to finish.

To make the application even easier, we’ve eliminated unnecessary paperwork and only ask for the information we need to assess your ability to repay the loan. This means you won’t waste time gathering mountains of documentation to complete your application. 

Get a fair decision in just two hours

Once you submit your loan application to us, our Australian-based assessment team reviews your application. Unlike computer algorithms used by many lenders, our human assessors understand individual circumstances and can make fairer lending decisions. 

If your loan application is approved, you will receive the funds in your bank account within one business day at the latest. In many cases, with eligible bank accounts, you can receive your instant loan funds in as little as one hour, depending on the time of approval. 

Flexible repayments 

We understand that managing loan repayments alongside your existing budget can be challenging. That’s why our instant loans offer flexible repayment schedules that align with your paydays.  Choose from weekly, fortnightly, or monthly repayment options to ensure your personal loan repayments never clash with your cash flow.

At Red Tree Finance, we take our lending responsibilities seriously, especially with instant loans where speed shouldn’t compromise good decision-making. Our experienced assessment team only approves personal loans that we believe borrowers can comfortably repay based on their individual financial circumstances. 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.

These requirements ensure we can offer instant loans to a wide range of Australians while maintaining responsible lending standards. Even if you have low income, you may still qualify for our instant loans based on your individual circumstances.

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.