Secured Loans

  • Easy online application

  • 2 hours to be approved

  • Receive funds the same day

What is a secured loan?

A secured loan is a type of cash loan that uses an asset as collateral, such as a car or a boat. At Red Tree, we will use this asset as a form of security to get the cash you need, at a suitable rate. If the payments fall through, the asset will be used to repay the cost of the loan. So, if you’re in need of cash fast, fill out our 100% online application and you could receive an outcome in 2 hours.

Why get a secured loan?

Everyone experiences unexpected expenses from time to time. That’s why a secured loan is a great way to stay on top of your costs. Our small secured loans can be used for:

When you apply for a secured loan with Red Tree Finance, you can apply from any device, at any time. Plus, our 100% online application only takes a few minutes to complete!

How our secured loans work

Applying for a secured personal loan at the bank can be time-consuming, and stressful and often requires hefty amounts of paperwork. To make things easier, we have made a simple and stress-free loan process that can ensure the funds are in your bank account the very same day. Here are some of the ways we make getting access to cash as easy as 1-2-3.

A fair decision in just 2 hours

Once your application has been sent to us, our Australian-based Customer Care team will review your application to assess your eligibility. Because we don’t use offshore processing centres or computer algorithms, we can guarantee that everyone is given a fair go based on their circumstances.

Minimal documentation required

As responsible lenders, we only require the bare minimum when it comes to documentation to access your ability to repay the loan. We’ve made everything super simple at Red Tree Finance, meaning it’s quick to apply and quick to get approved. This guarantees you can have access to cash when you need it.

Pay weekly, fortnightly, or monthly

At Red Tree Finance, we offer a flexible repayment schedule (weekly, fortnightly, or monthly), so we can align your regular repayments with your paydays.. It’s as simple as that!

Commitment to responsible lending

At Red Tree Finance, we are committed to responsible lending. Our team of experienced assessors will recommend the best solution, depending on your individual circumstances. This means you won’t have to worry about making repayments you cannot afford.

Read our full Responsible Lending Statement

Am I eligible to apply for an online loan?

You are eligible to apply for a secured 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

No hidden loan rates and fees

To go along with our super easy application process, you won’t need to worry about any hidden fees and charges. All your secured 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 secured loan

Simply fill out our 3-step secure 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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A secured loan uses a high-value asset, such as a car or boat, as security in case you can’t pay back the loan. An unsecured loan doesn’t use collateral, meaning you can borrow the money outright. However, unsecured loans often come with higher interest rates.

To get a secured loan you will need to nominate an asset, such as a car, caravan, or boat to support your loan. You will also need to provide us with bank statements, identification and you will be asked to answer a few questions to assist with your application. If you have any questions about suitable assets for your secured loan, please do not hesitate to contact us.

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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