Low Income Loans

  • Easy 100% online application

  • Get an outcome in 2 hours

  • Same-day funds into your account

What is a low income loan?

If you’re a low income earner and need to borrow a small amount of cash, then a low income loan from Red Tree Finance is the best option for you. These small cash loans can be used for a wide variety of personal reasons, from car repairs to electricity bills and more. All you need to do is fill out our 100% online application form and you can receive the funds in no time.

Why get a low income loan?

We understand that sometimes you just need money, fast. That’s why we offer our loan income loans, so you don’t need to stress about paying off that last minute water or dental bill. There are many ways you use our loans for low income earners. They can help you pay for:

How our low income loans work

Applying for a loan can be stressful, but it doesn’t have to be. That’s why we have made our application form as easy as possible for you. It can be accessed online, from anywhere. Plus, our local loan assessment team will get back to you within two business hours of submitting your application.

Australian-based loan assessors

At Red Tree Finance, we don’t believe in using computer-generated algorithms to assess your loan application. That’s why we have a team of experienced assessors who will review it right here in Australia. This means we can carefully consider your personal circumstances to recommend the best option for you. And you can get a decision in just 2 business hours.

Apply online in minutes

Red Tree Finance offers an easy and convenient 100% online application process that can be completed in less than 5 minutes! To make things even easier, we only require minimal documentation to prove your capacity to repay the loan.

Weekly, fortnightly or monthly repayments

Helping Australians out of tough financial situations is at the core of what we do. So we offer flexible repayment options that align with your pay days. There’s no need to stress about having to make a repayment when you haven’t been paid yet. We offer weekly, fortnightly and monthly repayment schedules for your convenience.

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibility seriously. We carefully consider each customer’s individual circumstances to make the best possible decision. We practise responsible, reliable and trustworthy lending – always.

Read our full Responsible Lending Statement

Am I eligible to apply for a low income loan in Australia?

You are eligible to apply for a low income personal loan 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

Low income loan rates and fees

At Red Tree Finance, you won’t need to stress about any extra fees and charges. All your low income 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 a loan for low income earners

Our super easy & fast low income 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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A low income earner in Australia is someone who earns less than $66,667 per annum, according to the Australian Tax Office. At Red Tree Finance, we will accept applications from anyone receiving at least $300 a week into their bank account.

With our flexible repayment schedule, we will align your repayments with your paydays. By repaying your loan successfully, it could actually help to improve your credit score.

You can borrow up to $5000 with a low income loan at Red Tree Finance. However, we also offer loans of $2100, $3000 and $4000.

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

Ready to apply for a loan?

Apply to borrow up to $5,000 fast. Complete the online application in less than 5 minutes.

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