Cash Loans Perth, WA

$400 to $5,000 · Licensed broker · ACL 474107

Cash On Your Mobile is a licensed Australian finance broker (ACL 474107) that may connect eligible Perth residents with a lender from our panel for applications from $400 to $5,000. We are not the lender. A lender makes its own assessment and, if it approves an application, provides the final rates, fees, repayments and credit contract. The online enquiry can usually be completed in about five minutes, but approval and funding are not guaranteed.

Applying From Perth

The application process is the same no matter where in Perth you’re based — the CBD, northern suburbs, southern suburbs, or the Fremantle area. We commonly hear from residents across areas including:

About Short-Term Cash Loans

Short-term cash loans are designed to help with a specific, immediate need — an unexpected bill, a car repair, or an emergency expense. They are intended to cover a temporary gap, not provide a long-term financial solution. Because approval decisions and fee structures vary between lenders, it is important to understand the process and total cost before applying.

Eligibility & Application

To apply, you’ll need a regular income, a valid bank account, and to meet the eligibility criteria below. The application itself is quick to complete online — you’ll provide personal and financial details, and your matched lender will assess your situation before responding.

Repayments

Repayments are typically set up as scheduled direct debits, timed to suit your income. If you’re experiencing financial hardship at any point, contact your lender directly to discuss your options — most have a hardship process available.

Costs and Fees

Short-term loans can come with establishment fees and ongoing account-keeping fees. Lenders are required by law to disclose all fees and charges upfront, so you can see the total cost before agreeing to anything. We’d recommend reviewing the loan contract carefully and asking questions before signing.

Security and Privacy

We use encryption and secure systems to protect your personal and financial information, and comply with Australian privacy law. Lenders on our panel are licensed and regulated, giving you a baseline of protection when you apply.

Our Perth Office

You can find us at Level 25, 108 St Georges Terrace, Perth WA 6000, in the South32 building. Phone: (08) 6509 3384.

What You’ll Need

• At least 18 years old
• Australian permanent resident
• Regular income of at least $1,000/month (Centrelink-only income is not eligible)
• A bank account with direct deposit

Bad credit history won’t automatically rule you out — every application is reviewed individually, and lenders on our panel weigh your overall situation, not just a credit score. Applications submitted outside business hours are typically reviewed the next business day.

Frequently Asked Questions