Why Choose Cigno?
High Approval Rate!
At Cigno, we believe in a fair go. Financial challenges can strike everyone from time to time. No matter what your circumstances are, we’re here to help.
All Applications Considered! No ridiculous questions!
Our network of payday lenders considers all applications. Whether you’re working, unemployed or retired, we’ll treat you with respect and trust – and we’ll only ask you for the specific information we need to assess your application.
EMERGENCY cash when you need it
Sometimes waiting days (or even weeks) for a loan just isn’t good enough. With Cigno, you can get cash within hours*. Our 24/7 online platform lets you apply anywhere, anytime – even on weekends. It’s the easiest way to get fast cash loans in Australia.
*Applications received after 5.00pm AEST will receive funds by the next morning.
Short application process
Our quick and easy application process makes it easy to sort your finances and get back on with your life.
With a wide network of direct payday lenders, Cigno can help you get the money you need now. Our cash loan experts can arrange several financial solutions for you, from bad-credit loans to short-term loans.
Cigno Loan Options
Payday Loans
Need a little extra cash to get you through to your next payslip? One of our partnered direct payday lenders can help.
Bad-Credit Loans
We believe everyone should have access to cash loans in Australia. We consider all applications, regardless of credit history.
Centrelink Loans
Get a little support between Centrelink payments with a small cash loan. All our costs are upfront and completely transparent.
Emergency Loans
Need cash to cover unforeseen expenses? Apply for a fast cash loan. Apply for a fast cash loan today and you could receive same-day transfers before 5.00 pm AEST.
No Credit Check Loans
Don’t have the credit history to support your loan application? Apply for a personal loan with no credit check today. with Cigno Loans.
Cash Advance
Got bills due before your next payday? Take care of them with a cash advance from Cigno today and keep your finances on track.
Easy Loans
Borrow the money you need quickly and easily with Cigno. Apply online anytime, anywhere with 3 step process to help you get cash when you need it most
Loans for Unemployed People
Support yourself financially between jobs with a small cash loan. At Cigno, we work with lenders who will look at your full financial story – not just whether you’ve got a 9-5 job right now.
Fast Cash Loans
Need money urgently? Don’t wait for a lengthy bank review. Apply for an almost-instant cash loan with Cigno.
Online Loans
You can apply for a loan with Cigno anywhere, anytime with our 24/7 online application platform.
Weekend Loans
Life doesn’t stop during the weekend and neither does our network of payday lenders. Get quick cash on Saturday or Sunday with Cigno.
Small Loans
From $100 to $1,000, Cigno can help you get the funds you need. Apply for a small loan with us today.
Short Term Loans
Looking for some quick cash to pay off urgent expenses? Get the money you need and pay it off quickly with a short-term cash loan from Cigno.
Unsecured Loans
Don’t have a suitable asset (e.g. house or car) to secure your loan? Cigno can help you find an appropriate unsecured loan.
Loans for Pensioners
Have you got unexpected medical costs or are your latest bills higher than you anticipated? A pensioner loan could be the answer to your financial situation.
Loans for Low Income
Are you a student or a part-time worker? Currently on Centrelink or receiving a pension? Whatever circumstances, Cigno can help you stay on your financial feet with a cash loan.
Same Day Loans
Urgent expenses are called “urgent” for a reason. Same-day cash loans give you the freedom to cover immediate expenses today and pay them back in the future.
Tax Loans
Want to use your upcoming tax return a little early? Tax refund advances give you a little more flexibility when you’re relying on your return to cover urgent expenses.
How it Works
Easy Online Application
Complete our quick and easy 24/7 online application and send us a bank statement
Fast Approval
Once approved we will email you your loan agreement and service agreement. You can review and accept your agreements all online.
Same Day Cash
Once your application has been approved you will receive funds with in hours. (Applications received after 5.00pm AEST will receive funds by the next morning).
FAQs
Cigno is a team of financial experts who specialise in facilitating and managing short-term cash advances up to $1,000 – perfect for covering unexpected bills or providing a financial boost between paydays. Our goal is to provide a quick, easy and high-quality service of loan management, giving everyone in Australia access to cash loans and other short-term financial solutions.
We believe everyone deserves a fair go, which is why we consider every application with our network of payday lenders. Unlike some other payday loan companies, our application process is short, simple and non-invasive. We give our customers a user experience that is second to none. We always encourage our customers to only borrow when they need to and to only borrow amounts they can comfortably repay.
Fees vary depending on the length of your specific loan and the terms of the relevant payday lender. You can visit our Costs page for more information about this.
We’re help to help – not to make things more difficult. If you’re struggling and feel you may be unable to meet your obligations, it’s always best to contact us prior to missing a payment. We’ll do everything we can to assist you.
Even if you default, we encourage you to contact us so we can minimise any additional costs that might be incurred. We understand unexpected things can happen, which is why we don’t charge an additional default interest rate or let this impact your credit rating. However, we may charge a default fee of $79 and a change of payment fee of $22. We may also attempt a lessor or greater amount on the subsequent payment to ensure payment clears.
If we do not receive contact or are unable to contact you via our collection practices, you may be referred to an external debt collector. Click here to view our fee table.
Credit Sense is a third-party provider that supplies us with your bank statement. They do so via your internet banking so that we can assess your application. We use Credit Sense to keep your internet banking safe.
We use Credit Sense and safe internet banking procedures to ensure your account stays secure. We don’t keep your internet banking credentials – they are encrypted when you enter them, passed to your bank to gain access to your transaction history, and then permanently deleted. If you need to resubmit your bank statement with Credit Sense, simply re-enter your internet banking credentials.
Hear from our Customers
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