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Terms and Conditions

Please read these terms and conditions carefully as they contain important information
about your rights and obligations when using this website (the 'Website')

Website - terms and conditions of use

This website is owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107 T/A (“”). By accessing, viewing or otherwise using this website, you acknowledge and agree to be subject to the following Terms and Conditions of Use, the Privacy Policy and any other notices, disclaimers and other terms and conditions or other statements contained on this website as amended or modified from time to time. If you do not accept our Terms and Conditions of Use and the Privacy Policy you are not authorised to use our website. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.


All copyright and other intellectual property contained on the website is owned by or licensed to Fish4Loans pty Ltd . The information contained on this website may be used for your personal reference only. Information on this website may not otherwise be reproduced, distributed, or transmitted to any other person or entity, or in any way reproduced in any other form.

Third party sites

As a convenience to you, cashonyourmobile may provide, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. cashonyourmobile makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that cashonyourmobile or this Site sponsors, endorses, is affiliated or associated with, or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorised to use any trademark, trade name, logo or copyright symbol of cashonyourmobile or any of its affiliates or subsidiaries.

Information on this site

We have taken all reasonable care in producing the website, but information on the website may not be accurate, complete or up to date.

Some information on the website may be provided by other persons and we are not responsible for the content of that information.

Product details, rates, terms, conditions and other information are subject to change at any time without notice.

Information on the website is not intended to be financial, legal or any other advice, or a product recommendation, and does not take into account the financial circumstances or objectives of any particular individual. You should seek appropriate professional advice before acting on any information on this site.


To the extent permitted by law, we are not liable to any person in relation to use of the website, and you waive all claims against us in relation to your use of the website.

We do not warrant that the website will always be accessible and we do not warrant that the website is free from anything that may damage any device used to access the website.

You indemnify cashonyourmobile and its employees for any breach of these terms.


If you have an cashonyourmobile account and password, you are responsible for maintaining the security of your password and account information. cashonyourmobile is not liable for any damages or breaches of privacy arising from your failure to take appropriate security measures.


Please see our Privacy Policy for information how and why we collect, use and disclose your personal information.


If you have a complaint or dispute in relation to the website, please contact us using our contact details published on the website. Please also see the Dispute Resolution Policy below.

We will endeavour to solve any complaints and your first point of contact should always be our customer contact centre, who can be contacted at: Email: Our helpful staff will try to resolve the complaint with you as quickly as possible.

Internal Dispute Resolution Procedure

If your complaint is not adequately handled by our contact centre, you may raise your complaint with our complaints officer, who can be contacted at:


In your email to our complaints officer, please provide concise details of your dispute and your contact details. The complaints officer will investigate the matter and provide you with a final response within 21 days of the initial complaint detailing:

  • the outcome of the dispute
  • the reasons for the outcome
  • your right to pursue the dispute with our External Dispute Resolution scheme
  • the contact details of our External Dispute Resolution Scheme
  • External Dispute Resolution Scheme

    If you are not satisfied with our response, you may refer the complaint to our external dispute resolution scheme. The external dispute resolution scheme to which we belong is the Australian Financial Complaints Authority, who can be contacted at;

    Australian Financial Complaints Authority

    Postal Address GPO Box 3, MELBOURNE VIC 3001

    Phone 1800 931 678


    Get pre-approved for a personal loan today!

    What You Need To Get Fast Access To Up To $5,000

    In order to get up to $5,000 fast you’ll need to pass a few simple requirements:

    1. Are you over 18 years of age?
    2. Do you currently earn $550+ a month?
    3. Are you an Australian Citizen or permanent resident?
    4. Do you have a savings or check account that can accept direct-deposits?
    5. And do you really need between $400 and $5,000 right now?
    6. Bad Credit is not always an issue

    If you’ve answered yes to those five questions, you’re ready to apply. Simply click or tap the ‘Apply Now’ button below to start your application now. If you don’t qualify or you’re unsure, we may still be able to help. Just click ‘Apply Now’ below and we’ll take a personal look at your application as soon as you submit it.

    A Simple Way To Get Cash When you Need It

    Applying for a quick cash loan from Cash On Your Mobile is simple. It works like this:

    1. If you need between $400 and $5,000 now – simply click the button below to apply right now.
    2. Once we’ve received your application, we’ll review it and check that all the details are correct.
    3. You’ll automatically be assigned a lender from our database of Australia’s best short-term cash providers. By carefully selecting the best fit for you, we’ll give you the best chance of being approved and getting the funds you need fast.
    4. The lender will contact you, finalise the loan and organise a direct-deposit of the cash into your account. This can be as quick as 4 hours, but sometimes it can take up to 48 hours for the cash to appear in your account – it depends on your bank.

    Get Started In Just 5 Minutes

    Get started now by tapping or clicking the ‘Apply Now’ button below. It’s quick and easy to apply. You’ll be done in around 5 minutes. Just send us some simple details and we’ll see what we can do for you. You’re not committing to a loan right now. However, when you’re comfortable with the details of your loan, we’ll go ahead and organise for you to get the cash fast.

    Frequently Asked Questions

    How do I know I can trust Cash On Your Mobile?

    Cash On Your Mobile have been issued a Australian Credit License (474107) and we are also registered with the Australian Financial Complaints Authority. We can offer you access to a range of lenders who can provide loans at competitive rates. We take your privacy very seriously and use the most up-to-date and powerful encryption technology to keep your bank details secure.

    Do you have an Australian Credit Licence Number?

    Yes we do. It’s 474107, and our ABN is 89 603 132 618.

    Do I have to pay Cash On Your Mobile a fee upfront?

    No. We know you’re looking for emergency cash, not fees! We make money by referring you to the best lender for your situation. However, of course there are some fees involved. Your lender will generally charge an establishment fee of up to 20% of the principal, and a low monthly fee of up to 4%. This is a standard practice.

    How soon can I get the cash?

    The fastest possible turn-around is 4 hours. However, it can take up to 48 hours for the funds to appear in your account. It depends on your bank. You have our word we’ll do everything in our power to get your cash to you ASAP.

    How do I payback the loan?

    We’ll set up a direct-debit payment for you. You’ll never have to worry about a late payment or forgetting. Your payment will automatically be deducted on a set-schedule you’re comfortable with.

    All Loans are subject to an assessment of suitability and affordability. Disclaimer: We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with. You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral. It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.