Rating based on 26 reviews


  • Quick loans up to $2,000
  • Low-interest up to 4%
  • Repayment up to 12 months

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Author CashOnYourMobile. Screenshot of CashOnYourMobile website.
[Accessed May 3, 2023]

Cash on your mobile - Convenient online loans

Cash on your mobile allows you to access cash from your mobile phone by applying for a loan online. They offer quick loans of $400 to $2000.

To apply for a quick cash loan is super simple the process only takes a few minutes and they decide if you qualify almost instantly. All they need is for you to fill out your personal details and answer a few easy questions about your finances.

Easy loan application

If you are self-employed, have a part-time job or one Centrelink benefits they will still be able to assist you with a loan.  If you have a mobile phone and an internet connection, then you can apply for a loan. Once your online loan application has been accepted the money will make its way into your bank account within the very same day.

100% free to apply

It is 100% to find out if you qualify for one of their loans and if you do qualify you will be under no obligation to accept the payday loan agreement. If you do decide to accept the loan agreement, then all you have to do is accept by signing the contract online and then they will transfer the money into your account.

They will try to assist you to find the exact loan that will help you take back control of your finances. Customer service and extensive knowledge are what sets their staff ahead of the rest they are there for you every step of the way.

Cash advance up to $1,500

They offer you fast loans when you need them and make sure that you get the money on the same day as your loan application is approved.

Payday loans are the best type of bad credit loans for those that have struggled to obtain credit in the past as the approval process is a lot less strict and your bad credit history won’t have too much of an effect on the outcome of your loan application.

No restrictions

There are no restrictions on what you can use the loan for. Some traditional lenders only allow you to spend the loan on what it was granted for.

The differences between loans

Quick loans allow you to borrow a small amount of money that needs to be paid back by your next payday. A personal loan allows you to borrow a larger amount of money for a longer period of time.  A cash advance will allow you to borrow up to $1,500.

The benefits of a payday loan

Quick cash loans or emergency loans have many different benefits including helping grant loans to the people that need them most no matter their credit history.

It is easier for your loan application to be approved for a payday loan than it is for you to get approved for a personal loan.

CashOnYourMobile – Quick loan

  • Loan Type Quick loans
  • Interest Rate 4%
  • Loan Amount up to $2,000
  • Repayment 1 month to 12 months

Benefits of CashOnYourMobile

  • Get a loan within 24 hours
  • Online applications are quick and easy
  • Bad credit loan options

Quick loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This quick loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Cash on your mobile - Quick loan payouts

The drawback of a payday loan is the fact that the loan needs to be paid back on your next payday in one payment plus any other fees that you have accumulated.

If you have already been struggling to make ends meet, then these additional charges could cause you even more financial strain and you may need to take out additional short-term loans to cover the fees.

To apply for a quick cash loan, you will need to meet the following requirements:

  • You need to be at least 18 years old
  • You will need to supply your Australian ID
  • You will need to supply a 90-bank statement and your financial information
  • You will need to be able to answer questions about your financial information, employment status and your lifestyle.
  • You need to be able to afford the loan

Can you apply if you receive Centrelink benefits?

If you receive Centrelink benefits they might be able to assist you if you are currently unemployed they will not be able to assist you.

Before you apply for a personal loan make sure that you really need it. Loans can seem like the perfect solution to your financial problems but if you are granted a loan and it is not managed correctly you can quickly fall into a debt trap relying on loans to get you through.

Keeping you informed

They offer a free newsletter to keep you up to date on your loan and any promotional activities. They will provide helpful reminders to ensure that you have sufficient money in your account to pay your instalment.

They believe in responsible lending

They are licensed by the Australian Securities and Investments Commission and comply with the National Consumer Credit Protection Act 2009 which ensures that they only grant loans in a responsible manner and will only grant you a loan if they are sure that paying it back won’t push you further into financial difficulty.  

To help you in your time of need apply for a quick cash loan from your mobile phone with easy repayment terms and a very fast payout. Use your loan for whatever you need it for.

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CashOnYourMobile is a trusted & reliable provider of quick loans

In our review, CashOnYourMobile adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ CashOnYourMobile is a registered credit provider in Australia: ACL 474107

Customer Reviews & Testimonials

After finding myself in the midst of a financial emergency I knew that I had to get help fast. With the assistance of COYM I was able to resolve my crisis before any damage could be done. Thank y...

Laura B
— Hobart —

For the most professional and expert assistance in Australia I will recommend COYM. I was so impressed by the level of expertise that their employees displayed. Any and all questions asked were a...

Mason J
— Kingston —

The great thing about their application being online is that you can apply whenever you like. As a shift worker, I sometimes find it difficult to make it to sort out my finances during the day. C...

Kent B
— Queenstown —

CashOnYourMobile Contact

Contact Number

  • not available



Physical Address

Postal Address

  • PO Box 231, Coloundra, QLD, 4551, Australia

Opening Hours

  • not available