//grabs the page slug and appends it as a GET variable to mark which pages users have come from // getPageSource(); // getTrackingSource(); // $application_url = 'https://cashonyourmobile.net.au/apply-today?custom_data_1=' . ( isset($_COOKIE['custom_data_1_pc']) ? htmlspecialchars($_COOKIE['custom_data_1_pc'], ENT_QUOTES, 'UTF-8') : '' ) . '&utm_source=COYM&utm_campaign=' . htmlspecialchars($_COOKIE['source_pc'], ENT_QUOTES, 'UTF-8'); // define("APPLICATION_URL", $application_url ); // Capture 'source' and 'keyword' from the URL's query parameters or set defaults $source = isset($_GET['source']) ? htmlspecialchars($_GET['source'], ENT_QUOTES, 'UTF-8') : ''; $keyword = isset($_GET['keyword']) ? htmlspecialchars($_GET['keyword'], ENT_QUOTES, 'UTF-8') : getPageSlug(); // Build the application URL with 'source' and 'keyword' $application_url = 'https://cashonyourmobile.net.au/apply-today/?source=' . $source . '&keyword=' . $keyword; // Define the APPLICATION_URL constant define("APPLICATION_URL", $application_url); ?> Bad Credit
Cash Loans Online in Australia – Find a Bad Credit Loan


Quick loan - Apply in just 5 minutes!

Paperless and Faxless Application Process

Fill out the application, at cashonyourmobile.net.au, and if approved 4 hours later you could have money in your account.*

Quick Loans

Get connected with a cash loan right now!

Get a loan of up to $5,000* Complete our simple 5 minute application and if approved the lend will send the money directly to your account. Bad Credit is not always an issue. Quick Loan Cash Loan

Personal Loans are available to all states of Australia. Most of our customers are from Sydney, Melbourne, Brisbane, Perth, Gold Coast and Sunshine Coast areas.

Cash Loans Online in Australia – Find a Bad Credit Loan

Online Loans – A 5-Step Guide on Finding the Right Lender

Different industries are embracing changes thanks to modern advancements, whether in the food industry or the hospitality sector. Moneylenders are also adapting to the needs of modern consumers by adapting to online platforms. Online lenders offer an alternative to the traditional lending method through digital transactions that cut down the application and approval process for loans.

The advantage of looking for an online lender

All technological advancements will come with its fair share of problematic issues. Online-based lenders can claim and offer instant outcomes but end up being a bad deal for you in the long term. Don’t settle for any lender who does dubious business practices. You should know the signs of a reliable online lender if you want to get the best deals.

If you’re planning to apply to an online lender, here is a five-step guide you should follow:

Step#1: Do your research

The best way to start your search for the right lender is to compare different services. Thankfully, you can do your research digitally. Online credibility is an essential part of any service’s selling point. It’s where you can determine if they offer the packages you need within your budget range. Try to look for reviews and see if previous borrowers can vouch for your prospect’s marketing services. Limit your potential lenders down to five options before you proceed to the next step.

Step#2: Choose a responsive service

Since you’re working with online lenders, you can’t rely on going to an onsite location to inquire about their services. This is why communication is a crucial criterion you should consider when choosing the right lender. While you’re looking at your prospects’ reviews, check if they have an accommodating customer service. It can be the winning factor to see which one you should subscribe to.

Step#3: Determine the loan you’re applying for

After having a select few, you now have to determine the type of loan you need. Different lending companies have varying rates and policies, whether it’s for smart loans or personal loans. Compare your prospects to see if one has an advantage over the other. This will help you negotiate for better rates once you’re ready to apply to your chosen lender.

Step#4: Review your credit score

Once you’re ready to commit to an online lender, you should check your credit score. Whether you’re dealing with live or online loaning procedures, your credit score will impact how well you can negotiate your rates. However, other documents can prove your credibility as a borrower if you have a bad credit score. Proof of employment and your assets portfolio can be useful when looking for a decent loan package.

Step#5: Double-check your paperwork

Although you’re conducting business through digital spaces, all your official paperwork should be in writing. You will generally get these forms through a digital copy for a back-and-forth for negotiations. Nevertheless, you should review everything before you sign anything. Don’t be reluctant to ask for clarifications on different clauses, so you don’t miss important clauses.


The lending industry is opening its doors to different advancements that can benefit both borrowers and lenders. However, you shouldn’t be too eager to jump on the diversity of lending options now available. You should still be vigilant when choosing the right service for your financial needs.

If you’re looking for a licensed credit broker in Australia, we can provide you with a reliable platform to find the best lenders online. Cash on Your Mobile can give you emergency loans up to $50,000 within the day ASAP. Apply to our platform now to receive modern solutions for your modern financial problems.

Apply online now for payday loans in Australia with no paperwork.

You can apply online in just a few minutes, there is no credit check and you could have a pre-approval for the amount you need.

Loans for Unemployed and Same Day cash loans are available, if you provide all the requested details and you are eligible.

Information about other options 

This website shows you how small day loans can work for you, options for managing bills and government benefits.

Bad Credit Loans Australia 

We can help with managing bills and debts, suggests other options to receive an advance, day cash or small amount loans work anywhere in Australia.

“Australia, officially the Commonwealth of Australia, is a country comprising the mainland of the Australian continent, the island of Tasmania, and numerous smaller islands. It is the world’s sixth-largest country by total area. Neighbouring countries include Indonesia, East Timor and Papua New Guinea to the north; the Solomon Islands, Vanuatu and New Caledonia to the north-east; and New Zealand to the south-east.”


What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1

How It Works

If you have a cash flow problem cashonyourmobile.net.au is your best solution. A simplified application and

Is my personal information secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

Happy Customers and Keeps Counting

Get pre-approved for a personal loan today!


Eligible Borrower:


A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer's next payday (This can be extended if required)

  • 18 years of age or older.
  • Australian Permenant Resident.
  • Valid check or savings account with direct deposit.
  • Regular income of at least $1,000 per month.
  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
  • *All Loans are subject to an assessment of suitability and affordability.

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Before you get started

cashonyourmobile.net.au owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

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.

Frequently asked questions

Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours

Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.

Yes you can. Your credit score does not always play a factor in most of our lenders decisions.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.

Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.

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