Online Loans

  • Easy online application

  • Minimal documentation required

  • Decision within 2 hours

What is an online loan?

An online loan is a small personal loan that you can apply for online, as opposed to going to a bank or lender’s premises. These direct cash loans are an easy and hassle-free way to get money fast.

Why get an online loan?

We’re all becoming more and more time poor; it’s difficult to find space in the day to eat lunch let alone sort out a loan—especially if it involves heading out to a lender’s physical premises. However, the vast majority of Australians (86%) now have internet connected mobile devices, which makes applying for a loan online the quickest and easiest way to get access to extra cash.

When you get an online loan from Red Tree Finance, your application can be submitted from anywhere on any device—as long as you have access to the internet.

How our online loans work

Applying for a loan with a bank is time-consuming and inconvenient. When you’re already stressed about money, the hassle of a complicated loan process is the last thing you need. That’s why our online loans are ideal. Here are just some of the ways we make getting access to quick cash as easy as pie.

Applications reviewed right here in Australia

Red Tree Finance doesn’t use offshore processing centres or assess loans using soulless computer algorithms. When you submit your loan application, it’s reviewed by a trained member of our team based right here in Australia. We give everyone a fair go and you’ll get a decision within just two hours.

No hefty paperwork, no long waits

As responsible lenders, we do ask for some information in order to be able to assess your ability to repay the loan. However, we only ask for the bare minimum needed to make this call. With Red Tree Finance online loans, it’s quick to apply and quick to be approved. This means, you can access the money you need faster.

Pay weekly, fortnightly or monthly

We offer flexible repayment schedules (weekly, fortnightly, or monthly payments) so that you can make your regular loan repayments to us, in alignment with your paydays. You get paid, then we get paid. It’s as simple as that.

Commitment to responsible lending

At Red Tree Finance, we are 100% committed to responsible lending. That means we’ll never approve you for a loan that we don’t believe you can repay. So you can feel rest assured your repayments will be affordable.

Read our Full Responsible Lending Statement

Am I eligible to apply for an online loan?

You are eligible to apply for a online 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

Transparent loan rates and fees

As well as a super-simple application process and fast approvals, we also have no hidden fees and charges. All your online loan information is 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 get an online loan

Our easy 3-step loan process begins with our secure online application form.


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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You can apply for an online loan with Red Tree Finance. The application process is 100% online, including signing the contract, and it’s totally free to apply. In the vast majority of cases, you’ll receive funds into your bank account the very same day or even as quickly as within an hour of application approval.

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 secured loan, so it may be possible to get a loan even with a bad credit history.

An easy loan to get online is a Red Tree Finance small secured loan. The application only takes minutes to complete, most people are eligible if they’re employed and own a vehicle, and approval comes within two hours. Often, the funds will clear in your account that very same day.

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 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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