Instant Loans

  • Apply within 5 minutes

  • Approval within 2 hours

  • Receive funds the same day

What are instant loans?

We’ve all experienced unplanned finances appear out of the blue at some point. One of the easiest and most stress-free ways to get the cash you need, fast is with an instant loan from Red Tree Finance.
Whether you’re facing a last-minute bill or simply need some extra cash for a new household appliance, Red Tree Finance can get a cash loan to you in no time!

Why use a small instant loan

Instant loans are very flexible and can be used for any personal circumstance. Our small instant loans can help pay for:

How our instant cash loans work

Applying for a loan needn’t be stressful. Our online application form 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 application process that is 100% online and secure. We’ve timed the process and it takes less than 5 minutes!
To make the application even easier, we only ask for the information we need to assess your ability to repay the loan. This means you won’t need to go out of your way and gather mountains of documentation to complete your application.

A fair decision in just two hours

Once you have sent your application to us, we will get one of our Australian-based assessors to review your application. Because we use actual Australians to assess your application, rather than a computer algorithm, you’re guaranteed a fairer outcome based on your individual circumstances.

If your application is approved, you will receive the funds in your bank account within one business day at the latest, or as soon as within one hour, depending on the time of approval.

Flexible repayments

Helping Australians out of tough financial situations is our reason for being. To make your repayments easier, we offer the ability to align your repayment schedule with your paydays. 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.

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

You are eligible to apply for an instant cash 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

Instant personal loan rates and fees

At Red Tree Finance, you won’t need to stress about any extra fees and charges. All your instant personal loan repayments are listed out 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 an instant loan

Our super easy & fast instant loan application can be completed in less than 5 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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An instant loan can be used for a variety of reasons, from emergencies to personal expenses like electronics. Instant loans in Australia are most commonly used for unexpected bills, holidays, new appliances or electronics, home repairs, and car repairs.

No reputable lender can provide you with cash instantly, as we have responsible lending obligations to stick to. However, you can get a super-fast cash loan online in a matter of a few hours. The application process is super simple and only takes 5 minutes. If you supply us with all the right documentation, you will receive a decision from us within two hours and if approved you can have the cash in your account on the same day—now that’s pretty instant!

Like most lenders, we carry out a credit check as part of our assessment of your application. At Red Tree, we assess each applicant on their own merit. We consider a range of factors to determine whether you qualify for a Red Tree instant loan, so it may be possible to get a loan even with a bad credit score or no previous credit history.

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.

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