Same Day Loans

  • Apply online anytime

  • Get a decision within 2 hours

  • Funds in your account the same day

What is a same day loan?

A same day loan is a small personal loan with a super-quick application and approvals process; applicants can receive funds on the very same day they applied for the loan. These instant cash loans are an easy and hassle-free alternative to traditional bank loans, allowing you to get money fast.

Why get a same day personal loan?

Life happens, often when you least expect it. So sometimes you need access to extra funds and can’t wait for pay day. There are many reasons why you might need a same day loan, including:

When you get a same day personal loan from Red Tree Finance, your application can be submitted from anywhere on any device. It’s free to apply and 100% online. And you can get the cash you need on the day you need it.

How our same day loans work

Applying for a personal loan with a bank can sometimes take weeks and even months. But when a vet or medical bill needs to be paid, it needs to be paid now. That’s why our same day loans are ideal for emergency situations, but they’re also great if you just need to get away for a last minute break.

Local loan assessors

Red Tree Finance doesn’t use offshore processing centres. All loan applications are reviewed right here in Australia by human assessors. So you know we’ll give you a fair go.

No long waits

To be able to offer same day loans, our experienced team of loan assessors commits to review your application and provide you with a decision within two hours. This means no long waits, less stress, and quicker access to funds for all Australians.

Pay when you’re paid

Inflexible loan repayment schedules often cause more stress than not having the cash you need in the first place. That’s why we align your repayment schedule with your payday (weekly, fortnightly, or monthly payments) to take the pressure off.

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 a same day cash loan?

You are eligible to apply for a same day 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 fast approvals, we also have no hidden fees and charges. All your same day 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 same day loan online

Our easy 3-step cash loan process starts with your online loan 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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Responsible lenders will never be able to provide you with instant cash, as there are various checks and procedures that need to be performed to ensure you can afford the loan repayments. That said, it is possible to apply for a fast loan with Red Tree Finance and receive the funds the very same day.

Yes! With Red Tree Finance, you can apply for a small secured loan between $2,100 and $5,000 online, get an approval within 2 hours and receive the funds into your bank account the very same day.

One of the easiest loans to receive, especially at the last minute, is a secured online loan. Secured loans use a vehicle that you own as collateral for the loan, which makes it a lower risk option for lenders in comparison to an unsecured loan. With Red Tree Finance, you can apply online, get an answer within 2 hours and receive the funds the very same day. It’s as easy as 1-2-3!

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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