Customer Portal

Easily manage your loan and repayments online

Apply for up to $5,000 in 3 easy steps!

Red Tree Finance takes the stress out of applying for a loan. If you meet all the eligibility criteria, you could apply online and have an outcome within 2 hours.


Complete your application online in less than 5 minutes.


A member of our assessment team will personally review your application.


One reviewed, you’ll receive your outcome within two hours of submitting your application.

Am I eligible to apply for a loan?

In order to apply for a loan, there are certain requirements you need to meet. Please take note of them before you apply for any loan.

  • red tree finance - are at least 18 years old

    Are at least 18 years old

  • red tree finance - are a permanent resident of Australia or a visa holder

    Are a permanent resident of Australia or valid visa holder

  • red tree finance - own a vehicle registered in your name

    Own an unencumbered vehicle registered in your name

  • red tree finance - have you been empolyed for at least 3 months?

    Have been employed for at least 3 months

Loan terms

Minimum Loan Term: 60 days
Maximum Loan Term: 12 months

Although our fast cash loans are designed to be paid back over 12 months, there is absolutely no penalty should you choose to pay it back early.

Representative example: based on a loan of $2,200 over 12 months a borrower can expect to pay a total of $3,276. This represents a comparison rate of 47% p.a. and upfront fees of $420 included in loan repayments over the life of your loan. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges.

Fee breakdown

Establishment Fee

$400 (included in the loan)

Interest Rate

47%pa (comparison rate 66.0347%)

Other Fees

$16 (included in loan)

Direct debit dishonour fee

$35.00 debit dishonour fee may be issued if a scheduled payment is missed or returned unpaid

Keep in mind that you may incur additional fees each time you miss a payment, and this may affect the length of your loan

Got questions?

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You don’t need to be employed to access a payday loan. These loans are also known as “small amount loans” and most lenders who offer payday loans will also offer them to unemployed applicants.

Most lenders that offer payday loans will also offer these loans to pensioners.

It will depend on the lender but it should be possible to repay your payday loan early, which could save you money in fees.

If you default on your payday loan or apply for multiple payday loans at once, it can have a negative impact on your credit score.

There isn’t a strict limit on how many times you can consolidate debt, but multiple debt consolidation efforts within a short period may raise concerns for lenders and impact your creditworthiness.