Responsible Lending

  • We take our lending responsibilities seriously.
  • We put you first — making sure we only approve you for a loan we know meets your requirements (for example whether you can repay it) and your objectives for obtaining the loan.
  • Our highly secure and confidential system ensures you have the money you need — without any hassle or surprises.


Commitment to responsible lending

We handle each Red Tree application with careful consideration. We have no interest in providing a loan that cannot be repaid and does not take into account your requirements and objectives. We practice reliable, responsible, and trustworthy lending — each and every time. We take careful note of each customer’s individual circumstances before we recommend a loan amount to ensure we don’t lend customers more than they can afford to repay. Doing this means we can ensure that we have responsibly catered for the needs of our customer.


The Red Tree Difference

We help you get fast cash — and we make sure you don’t have to worry about a thing. Unlike other lenders, we utilise professional (human!) assessors to review your application. Our team of assessors work within our responsible lending parameters — reviewing each loan application on its merit.


Transparency and Communication

We pride ourselves on communicating all details and costs upfront, so there are no surprises. We continue to communicate with you throughout your loan so you know exactly when your repayment dates are.


Supporting Customers facing financial difficulty

In the case that you feel you are unable to make your repayment obligation, you can always reach out to our Customer care team on (02) 9044 5633 for support and assistance. We will treat each case individually and determine whether any adjustments need to be made to your loan depending on your situation. Be sure to give us as much advance notice as possible.


Dedication to the law

By law, we’re required to make reasonable inquiries about the borrower’s requirements and objectives in relation to any credit contract recommended by us and about the borrower’s financial situation.

We must also undertake reasonable steps to verify the borrower’s financial situation, in order to make a final assessment as to whether any credit contract recommended by us is unsuitable.

We can only provide borrowers with a credit contract which we deem is not unsuitable, and this will be assessed on the basis of the borrower’s current financial situation.

In verifying a borrower’s financial situation, we may conduct a credit history check, peruse bank statements and consider other relevant information.


Why we want to see bank statements

One of the best ways for our team at Red Tree to assess a customers’ capacity to afford a short term loan, is to assess the amount of income a customer receives and expenditure they have, as shown on their bank statements. The easiest way to do this is to examine bank statements which provide a clear and medium-term assessment of income and expenditure, and therefore the capacity of a consumer to repay a loan.


Our promise to you

Red Tree acts with honesty and integrity — and treats all potential borrowers fairly and reasonably.

We only provide an applicant with a credit contract when the applicant can afford to repay the loan without causing substantial hardship.

We’re committed to responsible lending and complying with our obligations pursuant the National Consumer Credit Protection Act 2009 (Cth).


Policy information

Red Tree operates as a responsible lender, and will endeavour to provide clear and accurate information at all times. To view more information, visit our policy pages. You can also see answers to commonly asked questions on our FAQs page.


Our Customer Care team

We hire people who are ready and willing to help. Our team of professionals work hard to get you the money you need — and fast. Contact our Customer care team on (02) 9044 5633 with any questions or concerns.