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Top Facts To Remember When Looking For An Instant 24/7 Cash Loan

July 3, 2018
, , Payday Loans 5

Sometimes, you run a little over budget or run into a situation where you find yourself in need of a small financial top-up. Some of us follow very strict rules when it comes to money, and some of us are far more flexible with our attitudes. When your situation is an emergency, one of your options is to secure an instant 24/7 cash loan.

These short term loans are designed to be paid out to you right away giving you the cash in your account needed to sort your ordeal. You then pay back the amount you’ve borrowed on your next payday.

In this post, we’ll be going over some of the top facts you should keep in mind when looking for the right instant loan. Have a look through these pointers to be sure you’re up to speed with what’s right and what’s not:

Not every provider is a lender

When you type instant loans into google, you’ll see a bunch of vendors come up in the search results. Some of these companies will be direct lenders, and some of them will be agents like us! You might think you’d get the best deals my looking at lenders only, but this is a mistake.

Just like hotels or other services that get most of their custom online, the actual service providers don’t always give you the best rates and offers. 90% of the time, it’s the agents or comparison sites that get you the best deals. It’s the same basic idea when it comes to instant 24/7 cash loans. As an agent, it’s our job to find you the best rates and options to suit your needs, and we do so by using Gold Silver Standard Finance Pty Ltd.

Flat fees are standard

As soon as you get your search underway, you’ll no doubt notice that almost all agents and lenders offering these kinds of loans charge a certain fixed amount per loan. This is typically a small percentage of what you borrow and is added to the amount you pay back.

If you’ve never taken a short term loan before, this might come as a bit of a shock, but it’s important to know that this kind of fee is standard practice. It’s much better to deal with an agent or lender that is very upfront about the costs of their solutions, than those who tend to make promises that sound too good to be true!    

No loan is ever paid out instantly

Although we do everything we possibly can to ensure the funds are available as soon as possible upon approval, it’s not realistic at all to think that any provider will be able to have the money with you within minutes of your application. In some cases, we can achieve amazing payout times, but for the most part, loans usually arrive within hours. That’s about as instant as it can get anywhere you look!

Your credit score is not as important as recent income

Most lenders will pay attention to an applicants credit score religiously. At Cigno Loans, we understand that poor credit scores are not a full reflection of a person’s ability to pay back a short-term loan. This approach allows us to be far more helpful to those with a less than stellar rating. The main thing we’ll need to see is proof of your income in the form of recent bank statements.

You’ll need this information whether you’re completing the application through our app or over the phone. No regulated or responsible vendor will ever promise to supply you with a loan without this information, so it’s a great idea to have it handy as you look around for options.

Communication during repayment is key  

We do everything we can from our end to ensure your experience is as smooth as possible. This includes sending you clear instructions during payout as well as ensuring you receive a range of helpful notifications reminding you of your payment dates. Should you find yourself in a situation where you think you might fail to make a payment on time, it’s always best to inform us a soon as possible. That way, we can do our best to help find a solution and prevent fees and negative credit rating implications from mounting.

Top Facts To Remember When Looking For An Instant 24/7 Cash Loan

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Read more about instant loans in our previous blog post: How Instant Payday Loans Can Get You Out Of A Financial Bind

Learn everything there is to know about the costs associated with a Cigno instant payday loan here and here.

Cigno is a reputable payday lender. We have always been transparent about our products and services. For more information, please don’t hesitate to contact us.

The Best Options When Looking For A Fast Money Loan

June 28, 2018
Payday Loans 1

Most of us live from day to day financially. There are some that are lucky enough to be able to put little bits away when they can to build a safety net, but for the most part, many of us are increasingly at risk of falling short.

When your rainy day fund isn’t quite enough to meet the demand of an unforeseeable cost, a fast money loan or quick injection of cash is often the best way to stay afloat.

In this post, we’ll be looking at some of the most common ways people access loans quickly. Have a read through and see if any of these options makes sense for your circumstances:

A loan from family or friends

In a lot of cases, you’ll know someone that you trust enough to take a loan from. Whether it’s a family member, a good friend or a relationship partner, taking money from an associate is sometimes the best way to go. Unlike with any other form of credit, family and friends are unlikely to charge you anything in terms of fees or interest, as they’ll be happy to help you out if they can easily afford to give you the amount you need.

The issue with relatives and associates is timing, availability and of course, the relationship you have with them.

Asking for money from someone you know personally is always embarrassing.

It can also place a large and tense level of strain on your relationship. If things go well and you’re able to pay the full amount back in no time, there will be less panic, but it’s always hard to calculate the damage that’s done when things go wrong.

A fast loan from a trusted provider like Cigno Loans   

Getting a fast money loan from a professional vendor brings certain benefits. The first one being timing. These short-term arrangements are often called “payday” loans and can be paid out within minutes of your successful application. They’re perfectly designed to suit people who are in a pinch for time, but have a solid income that assures they can afford repayment in good time. They’re also very flexible with the amount you can take.

You’ve probably already heard from others or from media that these types of fast loans are becoming increasingly popular. Being able to apply online, or through an app, and receive the funds direct to your account the same day is hugely attractive. It can serve as a practical solution for anyone needing to handle a sudden cost as quickly as possible.

Credit cards

If you already have a credit card, this can be a very quick fix. If you don’t yet have one or you’ve reached your card’s limit, applying for a new one can take some time. Applying for a credit card means having the issuer rate your suitability based on your current credit score. If your score is to low, you’ll likely be refused or offered lesser terms.

Personal loans

A personal loan is usually issued by an established bank. The application process typically involves going into a branch to discuss your situation with a personal loans advisor. You’ll need your ID, and recent financial records showing your income, outgoings, current debts and any assets you own. The advisor will then lay out the options available to you.

It helps if you apply with a bank that you’ve already dealt with before, perhaps through an account that you’ve held with them. The time it takes for the process to pay out can vary between vendors and different circumstances. If you have a good credit score, don’t need the money for a few weeks and need to borrow a larger amount of money, this may be the most ideal solution for you.

Those are your best bets! We hope this quick list of fast loan ideas has helped! Remember, taking a fast loan is all about doing your research to find the option that ticks all the right boxes for you. Having a good look around to find out what’s out there is half the battle. If you need the funds as urgently as possible and your relations can’t help, a fast money loan will ensure you have the funds you need within moments of acceptance.

The Best Options When Looking For A Fast Money Loan

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Read more about fast loans in our previous blog post: Why Fast Easy Loans Are Increasing in Popularity

If financial hardship is affecting you and you need a payday loan, Cigno might be able to assist.

To apply, complete our quick and easy online loan application and send us your bank statement. Receive up to $1,000 in your account with our payday loans with manageable repayment options. For details, contact us.

friends having a picnic with their dog

15 Inexpensive Things To Do With Friends

June 21, 2018
Budgeting, Short Term Loans 1

We obviously stress the importance of being financially savvy, enough so to achieve your objectives, but you still have to have fun right? A same day loan isn’t meant for a night out clubbing with your friends, but hopefully you have put away a little nest egg which you can dip into from time to time.

Luckily there are ways in which you can have fun, but still keep your wallet in your pocket! Continue reading to learn more frugal ways to socialise.

Socialising is essential for our wellbeing. We’re social animals, after all. But while hanging out with friends can be great for our happiness, it can also be brutal on the budget. Catch up for coffee. Drinks after work. See a band. Cover charge at the pub. Dinner at a restaurant. Fun stuff. But sheesh, does it add up.

What is the real aim of going out? Catching up with friends, being entertained, getting out of the house and meeting new people. All of this can be done on a budget.

Here are 15 ideas for things to do with little or no expense.

 

IDEAS FOR STAYING IN

1. Potluck dinners

Staying in and having friends over for dinner has come back in vogue over the last few years. But you don’t have to do all the work. Try American idea of the potluck dinner, where everyone brings a dish to share. Or you could organise who brings what so you have nibbles, dinner and dessert covered.

The other alternative is to take turns entertaining amongst friends.

2. Game evenings

I think that games tend to be thought of as a little daggy, but I love board game evenings. An evening of Pictionary or Balderdash and a couple of bottles of wine can be absolutely hilarious.

But you don’t need to have board games. Improv games like charades can also be a lot of fun. We used to play a variation of charades when we were at Uni (grog free too!) that left us rolling around in stitches. If you’re interested, leave a comment and I’ll post the rules. Do a Google search for after dinner games and improv games for some ideas, or for something a little more adult only, try some drinking games.

3. Movie night

Hire a DVD (or stream a movie) or binge on Netflix together – entertainment at home is a lot cheaper than going to the cinema. And you don’t have to sit still or be as quiet.

For a free version, local libraries often hire movies for free, or raid your friend’s DVD collection and swap. For something interesting make it a theme night by watching all Hitchcock movies or all black and white classics, or musicals. Make some popcorn, dim the lights and bring out the pillows.

4. Cocktail evening

Drinking cocktails out can be very expensive, but you can have a cocktail party at home for a fraction of the price. Before hand, decide on a few cocktail recipes and ask everyone to bring one bottle and some nibbles and whatever extras you might need for cocktails. Tell people what to bring so that you are sure to have all the right ingredients.

5. Have high tea

High teas came back into vogue because there’s something sumptuous about fancy china and little cakes. Bring back a little yesteryear with a high tea.

6. Throw a barbeque

Bangers and mozzies is a wonderful way to while away a warm Sunday afternoon, maybe with a little cricket and a lot of chit chat.

 

GETTING OUTDOORS

7. Go on a picnic

A picnic is a wonderful way to enjoy the outdoors. It can be as simple as throwing your dinner in a container to eat out (risotto is one of our favourite easy dinners on the beach) or taking a simple sandwich and eating in the park.

If you want to be more elaborate, share the burden of preparing food for a picnic by taking turns or everyone bringing something to share. Some parks offer BBQ facilities so plan ahead and check out what’s available.

8. Go hiking or biking

Explore the great outdoors for free with friends, and maybe throw in a swim or a picnic. You can often find free or low cost local guided tours that will show you the local or historical attractions of your town or point out key flora and fauna in your local national park.

9. Play a sport

Play some backyard cricket or shoot some hoops with your friends. No backyard? Take the Frisbee down to the local park or beach, it can be a great way to meet new people.

10. Go camping

Camping is fun, but camping is even more fun with a group of friends. Borrow, scrounge and share tents and other camping bits and bobs and enjoy some toasted marshmallows and ghost stories.

11. Go on an exercise date

A couple of years ago, my friend and I got motivated and met every week for a walk and talk. Exercising with a buddy or two takes away the boredom of exercise and you can motivate each other to get fit, all while catching up.

 

BE ENTERTAINED FOR LESS

12. Free attractions

Museums, art galleries, zoos, markets can often be free or have free sections for the general unpaying public. It can be a good way to pass a leisurely afternoon. Public parks and beaches are also free.

Some non-free attractions may have free open days. For example, some paying museums have a free Saturday every month.

Don’t forget to check out your local library for free classes, author talks and other events too.

13. Support local bands

Going to see a local band can be a fraction of the cost of more popular band tickets. Pubs and cafe’s often have bands playing where you only pay the cost of a drink or two.

14. Learn to dance

You often get two for one at social dance lessons held at local community halls etc – the lesson first then a social dance afterwards.

15. Volunteer

This may seem like a strange entertainment suggestion, but if your wanting to get out and meet new, like-minded people, then one way to do so is to volunteer. And the benefits usually don’t stop there. Volunteer at a festival, concert, play or other entertainment event and you usually get free entry to the event as recompense.

Entertainment and socialising with friends doesn’t have to break the budget, but you can have just as much fun (or more fun) by adopting a few frugal entertainment ideas.

What frugal things do you like to do with friends?
15 Inexpensive Things To Do With Friends

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If you are experiencing financial difficulty, don’t hesitate to get in touch with Cigno who might be able to offer a solution.

Receive up to $1,000 in your account with our same day loans with manageable repayment options. All you need to do to apply is complete our quick and easy online application and then send us your bank statement. For details, contact us.

Read the original source article here.

Read more about same day loans in our previous blog post: Where To Get A Personal Loan Fast?

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Why Fast Easy Loans Are Increasing in Popularity

June 19, 2018
Payday Loans 16

There are a whole heap of situations in modern society where a fast easy loan can save the day. In this article we’re going to explain why quick and short-term loans (often named “payday” loans” have become so popular in recent years. Unsure whether or not a fast loan is the right option for your financial circumstances?

Have a quick read through these key reasons why so many turn to these types of loans as an instant solution.

Increasingly easier online access

Decades ago, finding the right loan could take weeks or months of searching. Sometimes the best options involved securing funds from relatives and family members. That is, if they could afford to lend you the cash you need and had it on hand to give to you right away. Today the internet has made everything faster, more accessible and incredibly easy to handle within minutes or hours if need be. Many lenders now offer their services using online only methods, through apps and in some cases, with constant the chat support. It’s never been more straightforward than it is now to apply for and receive a fast easy loan.

The funds are available instantly

Unlike with personal loans, credit cards or other types of conventional borrowing, short-term loans don’t require a lengthy or overly demanding application process. In most cases, these types of loan can be paid out the same day they are accepted. This is a crucial detail that can make all the difference. Nowadays, people want things fast or even better, instantly. 

The same thing goes for emergencies. When the boiler’s broken or your car won’t start, time becomes the most important factor that shadows all else. Delays can bring further damage to the situation, so the immediacy of a payday loan becomes a huge selling point.

Highly flexible terms & amounts

With a conventional personal loan, the commitment typically spans years and this means the interest rate you get is very strictly related to your credit score as well as the amount you’re borrowing. In a lot of cases, the best interest rates are reserved for higher amounts which can be hugely off-putting for most people. In contrast, short-term loans are designed to be paid back within a month, so a lot of lenders are able to offer far more flexible terms to suit your needs. Whether you need $100 or $1000, it’s much easier to get a payday loan for the exact amount you’re looking for.

Getting the right amount is very important for a number of reasons. The main reason for taking out only what you know you need is to protect yourself from owning more than you are comfortable with. The interest rates within short-term loans are typically very high, which is designed to act as very good reason for you to only borrow what you can comfortably afford to pay back even on a bad day.

More & more people are living paycheck to paycheck

So many people today live right on the edge of what they can afford every month. If you earn just enough to pay all the bills with just enough left over to spend a little month by month, you’re not the only one! As this trend rises, so too will the need for loans that can be issued quickly and for precise sums. Living paycheck to paycheck might seem like the best way to do things, but what happens when something unforeseeable goes wrong? The plumbing breaks down or the fridge needs replacing for example. In these situations, you don’t exactly need tens of thousands of dollars, but you’ll still need a sizable amount of cash that you might not have access to in an immediate time frame.

Unpredictable emergencies are one of the leading reasons an individual or family might seek a fast easy loan. Payday loans fill this demand and will continue to do so long into the future.

Why Fast Easy Loans Are Increasing in Popularity

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If financial hardship is affecting you and you need a payday loan, Cigno might be able to assist.

To apply, complete our quick and easy online loan application and send us your bank statement. Receive up to $1,000 in your account with our payday loans with manageable repayment options. For details, contact us.

 

 

   

spilled coins from piggy bank

Less Is More When It Comes To Budgeting (NOT SAVING)

June 7, 2018
Budgeting, Short Term Loans

Money management is an art form, one that, some say, can only be learned through self-discipline. While that is true, we are still going to offer our two cents on clever and unique ways to budget. Once you have the knowledge at your disposal, you can then apply some self-discipline.

Are you putting those spare coins into your piggy bank? Have you got a convoluted spreadsheet and automatic payment system? However you budget, and however good you are at budgeting, there’s always new and unique ways that can be of use. What we’ve found is, the less structure you have around your budgeting process, the more likely you are to stick to it.

Stay on top of your spendings, and savings.

Continue reading to learn more about some money management techniques.

Automate everything

Making decisions is exhausting. For real – psychological research shows people make worse decisions when their willpower has been tested. It’s a phenomenon known as decision fatigue, and it could be undermining your savings goals.

The fix? Automation. Decide how much money you’re going to save, and set up a direct deposit on the day you get paid. That way, you don’t have to make any decisions or make any mental calculations. You’ll save without even thinking about it.

Use the 60-20-20 rule

This one might involve a little bit of maths, but stick with us: it’ll be a moment of effort with years of pay off.

If you’ve got no idea how much you should be saving or spending, this one helps by giving you a solid framework. 60 percent of your pay should go towards daily expenses – like rent, bills and groceries. 20 percent goes to savings. And 20 percent is for fun stuff – like nights out and new outfits and spontaneous road trips with your mates.

The genius of this budget hack is that you have a still have money to play with, so it doesn’t feel onerous.

Level up this hack by incorporating the one above: set up direct deposits so you keep our fun money separate from your savings and your everyday spending.

Set goals

This might not seem like a “hack” but its effectiveness has been proven: UK government research found people with a specific savings goal save faster and more effectively, putting aside an average of $1000 more over a year.

It doesn’t matter what the goal is – just that you have one. Or several! Perhaps you’ve got a long-term goal of saving for a house deposit, and a short-term goal of going to Bali next August. It doesn’t need to be an either/or thing.

Have an emergency fund

Perhaps the most boring of the hacks, but super important. Having a safety net of a few months’ living expenses will ensure you are taken care of should the worst happen – like your car breaking down, or losing your job.

Keeping this money separate from your day-to-day transaction account and savings accounts means an emergency won’t derail your budget. Don’t skip this one!

Get a bank account that makes it easy

Gee, if only there was a bank account that could help you automate your budget and work towards your savings goals… wait a second, there is!

The Westpac Life savings account allows you to do just that – you can set up to 6 goals and track your progress towards them via the Westpac App. You can save for several goals without the hassle of having more than one account – and you’ll earn a competitive 2.30% p.a. variable interest rate which includes bonus interest every month your balance grows.

Westpac Life is a flexible savings account that could help you stay on track to meet your savings goals. Open now in less than three minutes.

To open a Westpac Life account, you must be registered for Online Banking and hold a Westpac everyday account in the same name. Fees and charges may apply on the everyday account. Any recommendation made in this communication does not take your objectives, financial situation or needs into account. Read the terms and conditions at westpac.com.au before making a decision and consider whether the products are appropriate for you. © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

This information is intended to be general in nature and should not be relied upon for personal financial use.

Less Is More When It Comes To Budgeting (NOT SAVING)

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Remember, if you are experiencing financial difficulty, Cigno can be a source of assistance. We offer same-day loans to those in need, regardless of the situation you find yourself in. Got a bad credit rating? No problem. We have a quick and painless application process, as well as a high approval rate for all borrowers. Everyone needs a hand from time to time, and we are here to help you land on your feet. Apply for a same-day loan today!

Reach out to us today to get the same-day loan you need in your bank deposit as soon as this afternoon!

Read original source article here.

You can read more about same-day loans in our previous blog post: How a Cash Advance Can Help You After a Disaster

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How To Avoid Unnecessary Spending

May 31, 2018
, Budgeting, Payday Loans

What measures do you have in place to curb your unnecessary spending? And more importantly, what are you spending unnecessarily on? These are questions you need to be asking yourself if you intend on saving money, regardless of what you are saving money for?

Whether you are building a nest egg for a rainy day, saving for that friend’s overseas wedding or the much desired house deposit, unnecessary spending will put a dent in your plans.

Continue reading to learn more about ways in which you can avoid those impulse purchases, and focus on your financial goals.

Impulse buying is extremely difficult to avoid. Even in the current financial climate the temptation to go shopping can be difficult to avoid and can lead to unnecessary purchasing habits. Fortunately there are ways to limit yourself from spending your money on unnecessary purchases.

Make a list

Make sure you write a list before you enter a shop. It’s very easy to convince yourself you need something that you actually only want. By writing a list you can hold yourself to it and will therefore be less likely to stray. You never know, maybe a list will be the thing which helps you save enough money to start investing, for example in commodities like Gold at BullionVault, shares on the stock market or even international currencies on the Forex markets.

Give yourself a budget

Draw up a budget to follow for every week throughout the year, and make sure you stick to it. Your budget should consist of all of your necessary purchases like rent, bills and food shopping. The rest should be stored away in case of emergency repairs. Budgets are a great way to keep track of your spending and prevent surprise bills in the future.

Don’t justify them

Don’t talk yourself into buying useless junk by justifying it to yourself. If you didn’t need it in your life before, then it is highly likely that you don’t need it now and therefore can avoid buying it. Excuses people often use include: ‘Just this once’, ‘It’s half off’, ‘I deserve a treat’, and ‘What harm can it do?’ To your bank account? As it turns out – quite a lot if you do this kind of thing often.

Ignore deals

I know how tempting it is when you spot a ‘great deal’ in a store. Unfortunately even though there may be money off an item, you still have to pay for it. It might be a reduced amount, but it’s money you could be saving in an emergency fund for accidents, holidays, or adding to your weekly mortgage repayments. Also, a lot of the time these supposed ‘deals’ actually don’t save you money at all. Get savvy and walk past them if you don’t need the item.

How To Avoid Unnecessary Spending

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Avoiding unnecessary spending is a great way to save money. However, it requires an investment in time and discipline. If financial hardship is affecting you and you need a payday loan, Cigno might be able to assist.

To apply, complete our quick and easy online loan application and send us your bank statement. Receive up to $1,000 in your account with our payday loans with manageable repayment options. For details, contact us.

Read the original source article here.

You can read more about this topic in our previous blog post: What Are Payday Loans? Your Guide To Understanding Payday Loans

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Can I Get Fast Cash Loans With Bad Credit?

May 23, 2018
, Bad Credit Loans 3

In this blog post you will learn everything there is to know about obtaining a fast cash loan with bad credit. Before we delve into the fineprint, let us take a look at the obvious questions first.

Continue reading to find out more.

Why Do I Need A Fast Cash Loan?

Emergencies are beyond our control.

We don’t know when our car will finally break down, when a storm will pass over and damage your roof, or when a medical emergency arises. What we do know, is that everything in life costs money, money that we don’t always have.

Cigno offers fast cash loans for this very reason, because every now and then, we all need a helping hand. In instances including the medical or storm damage emergencies, you can’t always wait for your next payday. You may need immediate medical attention, and you may want to have the hole in your roof fixed before the rain comes.

Learn some more common reasons for applying for a personal loan.

We are here to help in your time of need. We are here to help keep your head above water. If you don’t have the available funds to cover events including appliance replacement, or doctor and hospital visits, Cigno may be able to provide financial relief. You can apply for a fast cash loan in a few simple and convenient steps, right here.

Our team is dedicated to helping you climb out of your financial bind in the most stress-free way imaginable. Cigno aims to have the funds cleared in your account within hours of approval.

Arranging a loan application through traditional banking methods can be a time-costly process with face-to-face interviews and endless stacks of paperwork. And if you are in an emergency situation, you simply don’t have the time. That is why we have streamlined the application process as much as possible, to give you the funds you need, when you need them.

Good or bad credit, all you need to do is jump online and fill out the quick and easy application form. This can be done on the desktop computer at home, or on your tablet or mobile while you are out and about. Send us your bank statement and you are good to go.

Your information is always reviewed quickly so we can hopefully approve and send you your fast cash loan as soon as possible. You can learn more about the process here.

What Is A Fast Cash Loan?

When you apply for various types of loans, you can expect to wait a fairly long time to receive approval. This can be anywhere between a few days and a few weeks. The other important thing to consider is that most financial institutions only operate during Monday to Friday, and during regular business hours.

As mentioned above, when disaster strikes at the least opportune time (outside of business hours; on the weekend), what are you supposed to do? That is why fast cash loans exist. When you need money, you can apply for a fast cash loan and once approved, receive the funds in your bank account within hours.

In a nutshell, a fast cash loan is exactly what it sounds like. . . a cash loan, delivered fast. The added benefit of choosing Cigno is the ease of our application process. Apply online, anywhere in Australia, in a matter of minutes!

What If I Have Bad Credit? Can I Still Get A Fast Cash Loan?

You don’t have to have the best credit record in the world to get emergency funds. Do you have an existing loan that hasn’t been paid off yet? No problem. You may find that traditional banking institutions will immediately reject your request, but not Cigno. A lot of people consider this a red flag. The way we see it. . . everyone deserves a second chance and the opportunity to land on their feet.

We do emphasise the importance of eligibility and affordability, especially with the increase in Australian debt. Never borrow money that you can’t repay. You should only ever apply for a Cigno loan when you are truly in need. Treat it as emergency money, when you need it most. Know that we are here to provide a fast cash loan solution to allow you to focus on the things that truly matter, like family.

Can I Get Fast Cash Loans With Bad Credit?

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Try our loan calculator to decide whether or not a Cigno loan is right for you.

To apply, simply complete our quick and easy online application and send us a bank statement. If you prefer to give us a call on 1300 88 23 24 and one of our friendly staff will be happy to help.

All applications are considered, and we do our very best to find a suitable solution to your needs.

Short-term cash advance solutions to get to your next payday? Receive up to $1000 in your account today with manageable repayment options, contact us: https://staging8.cignoloans.com.au/how-it-works/

Read more about fast cash in our previous blog post Common Requirements for Fast Cash Loans, or apply for a Bad Credit Loan with Cigno today.

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Australia’s Best Money Management Apps

May 15, 2018
Budgeting, Short Term Loans 5

How do you manage your money? Do you manage your money at all? From writing down your expenses to setting up Excel spreadsheets, there are countless ways to stay on top of savings and spendings.

But, we are in the digital age now. Everything is at our fingertips.

More and more Australians are using money management apps for their convenience of use and accessibility.

Continue reading to learn more about these money management apps, designed specifically for Australians.

Let’s take a look at the 10 best money management apps for Australians

1. Your bank’s app

Cost: Free

Availability: Android and iOs

Manage your money, check your balance and pay your bills on the go and more with your bank’s app.

2. Pocketbook

Cost: Free

Availability: Android and iOS

Pocketbook is an Australian budgeting app that allows you to track your expenses to work out your monthly spend. You can set spending limits to help you stick to your budget.

The best feature of this app is that it connects to your bank so that you can track income and expenses automatically.

3. TrackMyGoals

Cost: Free

Availability: Android and iOS

The Money Smart’s TrackMyGoals app allows you to set, plan, track and manage your savings goals and visualise your progress.

4. TrackMySpend

Cost: Free

Availability: Android and iOS

Another ASIC Money Smart App, TrackMySpend is a basic budgeting app that, funnily enough, helps you track what you spend.

You can categorise expenses, set regular expenses as favourites and flag expenses as needs or wants. You can also download the data to a spreadsheet for further analysis or to import into other accounting software.

Check out Money Smart’s other apps here.

5. Australian Taxation Office

Cost: Free

Availability: Android, iOS and Windows Phone

The ATO’s is for individual tax payers, small business owners and self managed superfund trustees. It allows you to access their online services, lodge and track your income tax return, record and manage tax deductions, calculate tax to withhold, work out key tax dates, access tools and calculators, to name just a few functions.

6. Acorns AU

Cost: App is free but there is a monthly fee ( $1.25 per month for balances under $5,000 at time of writing)

Availability: Android and iOS

Now available in Australia, Acorns is an investment app that links to your bank account. When you spend, Acorns rounds up your transaction to the nearest dollar and invests that change for you in a diversified portfolio (EFT) at your chosen level of risk.

As this is an investment portfolio, it is subject to market fluctuations. You will also need to pay tax on all realised capital gains. Check out the website for more information.

7. Splitwise

Cost: Free

Availability: Android and iOS

Splitwise isn’t Australian, but still useful for those people who need to split expenses. Great for flatmates who need to keep track of who owes what.

Splitwise keeps a running total of how much is owed and it also emails reminders when expenses like the rent are due or when you forget to pay someone back.

8. ATM Hunter

Cost: Free

Availability: Android and iOS

Mastercard ATM Locator app helps you find the closest ATM no matter where in the world you are. You can search for your specific bank’s ATM to avoid fees. Provides you with distance and directions to ATM.

9. Expensify

Cost: Free

Availability: Android and iOS

Expensify allows you to scan receipts and track time or mileage for tax deductions. What’s cool about Expensify is that it pulls information from the receipts including date, time, amount and merchant and puts it all into a CSV file ready for your accountant at tax time.

10. Good Budget

Cost: Free

Availability: Android and iOS

This app uses a virtual version of the old-fashioned envelope system to help you budget your money. Track expenses, monitor savings goals, sync with your partner, monitor cash flow and analyse spending patterns. While this app isn’t Australia specific, Australians can still use it and one of the most popular budgeting apps on the web.

Managing your budget has never been easier with the proliferation of apps and mobile tools available.

Australia’s Best Money Management Apps

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Which app is right for you? While all are great, some have various options that may better maximise your ability to save. The best part is, most of these apps are free, so it’s as simple as downloading one and trying it out.

Remember, if experiencing financial difficulty, Cigno can be a source of assistance. We offer same-day loans to those in need, regardless of the situation you find yourself in. Got a bad credit rating? No problem. We have a quick and painless application process, a swell as a high approval rate for all borrowers. Everyone needs a hand from time to time, and we are here to help you land on your feet. Apply for a same-day loan today!

Reach out to us today to get the same-day loan you need in your bank deposit as soon as this afternoon!

Read original source article here.

You can read more about same-day loans in our previous blog post: Understanding Different Types of Small Loans

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Budgeting… Why Bother? Here’s Why!

April 30, 2018
, , Budgeting, Payday Loans 3

A lot of people often ask, why bother budgeting? There are plenty of reasons! Budget setting can be a very powerful tool in saving money and achieving financial independence.

This blog post will outline some of the most effective ways to budget, in order to reach your monetary goals.

We will get into the nitty gritty of budgeting eventually, but first, let’s look at the basics.

Cigno is here to help in times of need. If you are experiencing financial difficulty, get in contact with us today and apply for a payday loan to assist until your wages or salary is paid.

What’s the ultimate purpose of budgeting?

Is it to make sure that you’re not spending too much money on shoes versus cat food versus toilet paper? Of course not.

The point of budgeting is to make sure that at the end of the month, you still have money left over.

The Real Point of Budgeting

The purpose of budgeting, in other words, is to make sure that you’re living below your means, rather than living at or above your means.

Some people use a budget as a tool to make sure that they don’t live payday to payday.

How Budgeting Can Help

One of my good friends used to move money into his savings account at the start of each month. He’d pat himself on the back, thinking that he was saving money.

At the end of the month, in order to pay his bills, he’d transfer money from savings back to his checking account. His savings account wasn’t growing – he was just playing the transfer game.

He fooled himself into thinking that he was saving. He didn’t recognise this fact until he made a budget and began tracking his expenses.

Monitoring his net worth, he says, also helped him recognise the effects of his money habits.

Don’t be like my friend. (Or, if you’re already like him, act like his new, reformed self.) If at the end of the month you’re breaking even and you don’t have any margin of error left over, you’re living for the next payday, and that isn’t a position you want to be in.

Budgeting Basics

A budget is one possible tool that could get you out of that bind. Strictly speaking, a detailed line item budget isn’t necessary.

You don’t need to track or care about how much money you’re spending on restaurants versus clothes, particularly if you’re already debt-free and saving a significant portion of every payday.

How Much Should You Be Saving?

At a minimum, everyone should try and save at least 20% of their income. That divides out as 10 to 15% into retirement accounts, and 5 to 10% into other savings goals.

That 20% figure is just a starting point. There’s no harm in saving more, and there’s even a growing movement of people who promote the notion of saving half.

A detailed line item budget is simply a tool that helps you get there. It’s not the solution to your problems; it’s just a mechanism that you can use to help you save more.

Different Kinds of Savings

By the way, when I talk about savings, I’m referring to any activity that ultimately boosts your net worth. I don’t literally just mean money that you stuff into a savings account.

I’m referring broadly to money that you might put into retirement accounts, a health savings account, flat spending accounts, or that you might use as additional payments on a debt.

For example, say your mortgage is $1,500 per month, but you pay $2,000 per month.

That marks the extra $500 as an additional principal payment, so the $500 counts as savings.

Sure, it’s not literal savings in a bank account, but it’s money that directly boosts your net worth. It’s savings nonetheless.

Budgeting… Why Bother? Here’s Why!

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Are you inspired to go and save?

If you find luck just isn’t on your side when it comes to money, Cigno may be able to lend a hand.

Try our loan calculator to decide whether or not the Cigno service is right for you.

To apply, simply complete our quick and easy online application and send us a bank statement. If you prefer give us a call on 1300 88 23 24 and one of our friendly staff will be happy to help.

All applications are considered and we do our very best to find a suitable solution to your needs.

Read the original source article here.

You can also read more about payday loans in our previous blog post: What Are Payday Loans? Your Guide to Understanding Payday Loans

 

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Is Bad Credit A Factor In Getting Fast Cash Loans?

April 24, 2018
, Bad Credit Loans 1

Bad credit is a phrase that gets tossed around, no matter what industry you work or are involved in. Have you heard it? Particularly when it comes to buying the big-ticket items, such as cars and houses, bad credit is not something you want next to your name.

In this blog post, we will take a detailed look at the ins and outs of having bad credit—what it means, and what it means to you—as well as assessing whether bad credit is a factor in getting a fast cash loan.

Continue reading to learn more.

If you are struggling financially, remember, Cigno may be able to help. Visit our website to see how our loan application process works.

Do bad credit loans exist?

In short, yes, they do. When people talk about bad credit loans, it may conjure feelings of anxiety. You may think you will never be able to borrow money from anyone and achieve those homebuyer dreams. Don’t fret. Bad credit loans do exist, and at Cigno, they exist for everyone because we believe in second chances.

Learn other ways to improve your credit rating here.

How do you get bad credit?

Firstly, let’s look at how you receive bad credit or a low credit score. The problem is, we receive bad credit for things we perhaps don’t believe can be too affecting at the time. For example, a missed credit card payment or any late utilities or phone bills.

These things are very easy to forget about. “Oh, I’ll pay it later.” Sound familiar? It is important to try and pay these bills on time to avoid a big X against your name when it comes to borrowing. Sometimes it can be difficult to do this with our busy schedules. If there is one takeaway from this blog post, it is that any missed actions on your credit file can remain on there for up to 5 years. That’s a long time!

How can bad credit affect me?

In many ways, bad credit can be the difference between getting things including a mortgage, a new car or phone plan. These are all necessities today. Well, the mortgage is optional. But most of the population would drive a car to work and more than most, you would assume, have some kind of smartphone technology. They don’t hand out brand new iPhones without prior and appropriate credit checks first.

How can I improve my credit history?

First thing’s first. If approved for finance, ensure that you make the repayments on time. This goes a long way in improving credit history. One such method for improving bad credit is, believe it or not, small loans. Cigno helps Australians far and wide by providing financial assistance.

Yes you pay interest on the quick cash loan, but your credit card repayments will be made on time. When you are in need of a payday loan to tide you over until your wages come through, get in contact with Cigno. Let us help you out of your financial predicament, while continuing to build your credit rating. What will the end result be, you ask? Your ability to borrow in the future will increase significantly.

Cigno is committed to helping you achieve financial freedom. As far as we are concerned, your personal details are personal and your credit history is history.

Is Bad Credit A Factor In Getting Fast Cash Loans?

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Learn more: Five Ways to Improve Your Credit Rating

Responsible borrowing

Although Cigno is providing a lending service, we encourage to only borrow when you really need them. If you are in a financial bind, please get in contact with us. The other thing to remember is that you should only apply for a bad credit loan when you are 100% confident you will be approved.

Always give the terms and conditions a thorough look, as you should be aware of the commitment you are making and the associated repayments.

Even though responsible borrowing is a short-term solution, you should work towards minimising your debt and your need to seek financial assistance. Create a budget and set obtainable financial goals.

Conclusion

Read more about bad credit loans on our website. Or if you would prefer to speak with one of our friendly staff members, please don’t hesitate to contact us.

You can learn more about bad credit loans in our previous blog post: Bad Credit Loans: It’s Still Possible to Get a Loan Even if You Have Bad Credit

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