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.
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Complete your application online in less than 5 minutes.
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A member of our assessment team will personally review your application.
03.
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.
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Are at least 18 years old
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Are a permanent resident of Australia or valid visa holder
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Own an unencumbered vehicle registered in your name
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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 $2,350 over 12 months a borrower can expect to pay a total of $3,276. This represents a comparison rate of 65.9% 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 65.9%)
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?
See allA below-average or “bad” credit score in Australia varies depending on the credit reporting agency. Experian classifies any score between 0 and 299 as low, while Equifax’s below-average score ranges from 0 to 459.
Only bills for accounts in your name with licensed credit providers will count towards your positive repayment history in Australia. This includes credit cards, personal loans, car loans, home loans and overdraft accounts. Rent payments, utility bills (electricity, gas, water) and mobile phone bills aren’t reported as positive repayment history, so paying them on time won’t directly boost your score. However, falling $150 or more behind on any of these for 60+ days can still result in a default being listed, which will hurt your score.
Paying your rent on time won’t directly affect your credit rating. However, you may receive a default on your credit report for late or missed payments. This will stay on your record for five years and can negatively impact your score.
When applying online for a cash loan, Brisbane locals need to provide proof of age to show you’re at least 18 years old. You need to show proof of Australian citizenship, permanent residency, or a valid visa. You will need to show evidence of being employed for the last 3 months with a regular income, usually in the form of bank statements or pay slips. Finally, you will also need to own an unencumbered vehicle that is registered in your name. This vehicle will be used as security for your loan.
Definitely! Red Tree Finance operates 100% online, so you can apply any time, any day, from anywhere in and around Brisbane. Whichever side of the Brown Snake you call home, if you meet our eligibility criteria, you’re welcome to apply for a cash loan.