Terms and conditions


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.

Terms and conditions

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 (“cashonyourmobile.net.au”). 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: [email protected]

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:

Email: [email protected]

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

    Email [email protected]


    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.

    Customer Service Contact