Personal Loans

  • Easy online application

  • Get an outcome in 2 hours

  • Same-day funds into your account

What is a small personal loan?

A small personal loan allows you to borrow money for a wide variety of personal reasons. These can range from things such as holidays and car repairs to home renovations and even new appliances. These instant loans are an easy and hassle-free way to get money fast, without going to the bank.

Why get a small personal loan?

Sometimes you just need money, fast. And whether that’s for a small getaway, an unexpected bill, or some home repairs, our personal loans are an easy way to get access to extra cash. Some of the many reasons why you could use a small personal loan include:

When you get a small personal loan from Red Tree Finance, your application can be submitted from anywhere or from any device! Our 100% online application form is secure, so you can rest assured that your personal information will be safe. Plus, you can get the cash you need on the same business day.

How our small personal loans work

Applying for a loan through the bank can be a time-consuming and stressful process. But it doesn’t have to be. That’s why we have made our application process as easy as possible. Plus, we have the added benefits of local loan assessors, fast approvals, and flexible repayment options.

Applications approved by local loan accessors

Red Tree Finance doesn’t believe in using offshore processing centres, instead, your application will be reviewed right here in Australia. This means you will receive a fairer outcome within only 2 hours.

Avoid hefty paperwork and long waits

Whilst we will ask for some paperwork when you apply for a personal loan in Australia, we only require a few details to get your loan application started. The application process is easy and stress-free and can be completed in less than 5 minutes! Because we use Australian-based assessors, you can get the funds you need faster.

Pay weekly, fortnightly, or monthly

To take the pressure off, we offer flexible repayment schedules (weekly, fortnightly, and monthly). This means you can align your repayments with your paydays, so you get paid, then we get paid. It’s as easy as that!

Commitment to responsible lending

At Red Tree Finance, we take our lending responsibility seriously. Our team of experienced lenders will only recommend a loan we’re confident you can repay. This way you can rest assured that your repayments will be affordable for your circumstances.

Read our full Responsible Lending Statement

Am I eligible to apply for a small personal loan?

You are eligible to apply for a small personal 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

Transparent loan rates and fees

At Red Tree Finance, we don’t believe in any hidden fees and charges. All your small personal 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 a small personal online

Our easy 3-step personal cash loan process starts with your online application.


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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Getting approved for a small personal loan online at Red Tree Finance is easy. If you provide the required documents and meet the minimum requirements, your application could be approved within two hours. However, please keep in mind that we will only recommend a loan if we are confident it can be repaid.

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

Applying for a personal loan at Red Tree Finance is as easy as 1-2-3! All you need to do is fill out our 100% online application form, which will take no longer than 5 minutes. And, that’s it!

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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