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.

01.

Complete your application online in less than 5 minutes.

02.

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.

  • 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

How it Works

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 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?

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The most common reason is applying after your bank’s daily transfer cut-off, even if your loan was approved well within our two-hour window. Approval speed and bank processing speed are two separate things; we control the first, your bank controls the second.

Banks don’t process transfers on weekends or public holidays, so applications submitted on these days are typically assessed the same way but funded on the next business day.

For the best chance of your loan application being assessed and possibly approved on the same day, apply before 1pm AEST on a business day. This provides our local, human assessors with ample time to review your application and also gives your bank or financial institution a sufficient window to process the transfer before their daily cut-off.

If you apply over the weekend, your application will be placed at the front of the queue for our local assessment team first thing on the next available business day. Your loan will be reviewed, processed, and funded (if approved) as a priority on Monday morning.

While you can submit your loan application at any time, including weekends, Red Tree Finance only assesses applications and processes payments on business days. This means if you apply over the weekend, your loan will likely be reviewed and funded on the next available business day. To ensure you have accessible funds in your account by the weekend (subject to your loan being approved), aim to have your application submitted by Friday morning at the latest.