19Dec2019

Cheap Activities To Do These Holidays

December 19, 2019

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Your kids will want to have fun these coming holidays, but the economy might not cooperate. Why don’t you have some fun activities to do that won’t break the bank at the same time?

Here are cheap and fun activities the family will love to do these holidays.

Make cards for Christmas

You can make cards with the kids to send out to relatives during the Christmas holiday.

Pick up items at a local park or the beach like shells, driftwood, or leaves and then glue it on the cards to personalise.

Camp out in your backyard

This won’t cost a thing if you already have a tent. If you don’t, you can just borrow from your friends or neighbours.

This is convenient for the kids as they can go back to their own bed if they don’t want to sleep in the tent.

Have a little campfire for a barbecue or cooking some hotdogs or smores. Let the kids help with the food to get them excited.

Plant a veggie patch

Start the fun with recycling. Find containers around the house that you can paint. These will serve as pots for planting the seeds.

You don’t need to have a garden for this, just make a small indoor nursery.

Plant something that’s fast-growing so kids can see the changes everyday.

Plan a dig or a treasure hunt

Give everyone a plastic spade for digging.

Bury a bunch of toys in the backyard.

Give the kids a treasure map for hidden clues around the house.

Cheap Activities To Do These Holidays

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Have an adventure with public transport

Take the kids on a train or bus adventure. Most kids find buses and trains lots of fun!

You can go down at some sites along the way, like a local art gallery or museum, a national park, or even a small farm. Your kids will have fun learning about local culture or do a simple bushwalk. Most farmers will be willing to give a short tour of the farm.

Enjoy the sights and you don’t even have to drive.

Movie day

Have a binge watch session by renting kiddie movies and preparing some popcorn.

Set up and lounge on the floor with pillows and doonas.

This is perfect if you don’t want to go out on a rainy day or when days are hotter than the sun. Just Netflix & chill.

Create salt dough ornaments

Bring out everyone’s creativity by making salt dough ornaments like figurines, letters, or animals.

Salt dough sculpting, painting, and threading will help develop fine motor skills.

Host a masquerade party

Have the kids make their own masks out of paper plates, paint, feathers, glitter, and elastic bands. Use costume store beads or macaroni or anything that can be used around the house to accessorise their costume.

To keep the memories alive, be sure to take pictures of these fun activities for scrapbooking.

Cash loans in Australia

If the paycheck is still to come or you’re a stay-at-home mum, you can get quick cash loans or loans for unemployment on the same day.

It’s quick and easy and the online application is available 24/7.

You can use the funds for the expenses for these cheap holiday activities.

Apply now!

3Jun2019

The Best Car Service Apps

June 3, 2019

Henry Mabana

cash loans, emergency loans, loans no credit Emergency Loans

Getting around in a big city or finding a mechanic can be a challenge. It shouldn’t be when you have one of those phone apps in your pocket — that happens to know your location.

With the aid of your smartphone, here are some car service apps of the future.

Shebah — All women rideshare service

Conceived and built in Australia, Shebah is a new ridesharing app designed to drive women and girls forward by giving them their fair share of the sharing economy and letting them travel with confidence anywhere they want to go.

Shebah has started in Adelaide, Ballarat, Bendigo, Brisbane, Canberra, Geelong, Hobart, Perth, Sydney,Melbourne, and on the Gold Coast and Sunshine Coast. * Soon available in Darwin.

Riders can look forward to friendly female drivers behind the wheel, and the opportunity to book a car with a capsule or toddler seat using the app. Enjoy the safety and certainty of being part of an all-female network of drivers and passengers.

Shebah app

Download the Shebah app for iOS or Android:

always have a female driver
book a ride in a single tap
book a trip up to two weeks in advance
have a driver who has completed the most rigorous background checks
are in a car with a current roadworthy
request a capsule or toddler seat
no need to carry cash to pay for their ride
accurate fare estimates and no unexpected surge pricing applied
support the economic empowerment of another woman

Carsales

Carsales makes buying and selling even easier with more cars than anywhere else.

Note: This app features Nielsen’s proprietary measurement software which will allow you to contribute to market research, like Nielsen’s TV Ratings.

Carsales app

Download the Carsales app for iOS or Android. With tools to help you buy and sell, an easy-to-use interface, and greater functionality, you can:

search over 200,000 new and used cars
access the Member Centre where you can sync all your saved cars, searches, and email alerts
list you car straight from your mobile with Snap n’ Sell
edit your ad or see how many people are interested in your car with Live Ad Stats
value your car or research via News & Reviews provided by motoring.com.au
share listings direct from your mobile device to your social network

The Best Car Service Apps

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AutoGuru

AutoGuru offers customers convenience! They understand that it’s stressful for customers to find a reliable, local mechanic. AutoGuru makes it convenient and as easy as possible to access a well-suited, high quality, local mechanic.

AutoGuru gives quotes and lets you book from an entire marketplace nationwide, 24/7. This is something that hasn’t been done before in the automotive service and repair industry. Search, get quotes, compare, and book.

AutoGuru app

Download the AutoGuru app for iOS or Android, put in your car details, location, and type of service or repair. You’ll receive instant quotes from mechanics in your area for services and straightforward repairs.

For more complex repairs, you’ll receive up to three quotes within 24 hours, after mechanics went over the required work.

By using the AutoGuru app, you have complete access to reviews by real customers. This aims to give you full transparency and increases your confidence when booking.

You can book and pay (with Afterpay) once you find one you like. AutoGuru handles the whole process.

Emergency loans from Cigno

Do you need access to funds for a car repair or an emergency expense?

Cigno Loans is an emergency cash specialist. With an easy application process, as well as management of loans (no credit) or emergency loans, Cigno can help you receive up to $1000 in your account today with manageable repayment options.

Cigno encourages its customers to only borrow cash loans when they need to, and to always borrow what they can afford to repay.

To apply, simply prepare your bank statement and complete the quick and easy online application.

24Apr2019

Cheap Fun With The Kids On School Holidays

April 24, 2019

Henry Mabana

cash loans, loans for unemployment Loans for Unemployment

“Mum, I’m bored!” Are you wondering what to do with kids these school holidays? While camping out and going to the beach to swim are common, you can do other cheap & fun activities too! Here are some suggestions that will surely excite the kids and make lasting memories.

Fun competitions at home

Hold a cooking competition. Invite their friends over and make them prepare a simple meal, like pizza! Making dough from scratch is a messy and inexpensive way to have fun. You get to taste and you’ll be the judge who makes the most awesome pizza. This will be a hit because you all get to eat the results later. The best part is you don’t even have to cook dinner!

Set up a mystery and play a detective game. Hide toys around the house or bury them in the garden. These can serve as clues for a more challenging game. Give the kids magnifying glasses, maps, and notebooks for jotting down clues. The first to solve the problem gets a price, plus this helps develop their analytical and discernment skills!

Have a design and fashion show competition, ala Project Runway. This should have a theme and be time restricted. Let the kids roam through your wardrobe and see what design they can come up with. They can also use macaroni or beads to make bracelets, necklaces, and more. You’ll be amazed at what they can do with your hats, coats, scarves, and other recyclable materials in the house. Make them wear their creation and have them parade down the runway to judge who wins! This is great with girls, but boys can have a good time too.

Visit a local park

Go the extra mile, figuratively and literally, and visit a local park you’ve never been before. Search online for recommendations and choose one where there are climbing frame, water play, sand play, swings, and flying foxes. These can be a lot of fun for parents too!

Join them in picking up leaves around the park and do leaf rubbings. Put a leaf under a paper and rub a pencil or crayon across to make leaf imprint. Make a bunch of imprints then put it in frames or an album when you get home. You can also use these to make cards for any occasion or when you make a collage.

Later on, grab a pair of binoculars and go birdwatching. Make a list and look up information on the internet about the birds you saw. Who says holidays can’t be educational?

You and your kids can also go for a bike ride or rollerblading around the park. The family can also make their own kites and play with them. Or just let the kids run around and play while you relax under a tree.

Money-saving tip: Bring your own picnic. Ask the kids to help pack to get them excited for the trip.

Cheap Fun With The Kids On School Holidays

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A road trip involving ice cream

Turn ice cream into an adventure by going to a gourmet ice cream outlet not too close from home. Nothing excites kids more than delicious ice cream, the impressive kind you won’t get out of a supermarket tub or your local petrol station.

If it takes quite a while to get there, it will be a perfect time for talking or enjoying the car music. It will be worth the wait once you arrived at the destination because by then, the trip becomes about a lot more than the ice cream.

If you are still one of those parents trying to keep their cars reasonably clean, the kids can eat their ice creams while walking around and exploring the busy hub. Then you’ll have a group of happy and satisfied kids to drive back home. They may even fall asleep for a quick nap.

If the paycheck is still to come or you’re a stay-at-home mum, you can get loans for unemployment on the same day. It’s quick and easy and the online application is available 24/7. You can use the cash loans for the expenses for the school holiday activities.

Don’t forget to take pictures during this fun activities for scrapbooking to keep the memories alive!

10Dec2018

Crucial Reasons To Get Your Cash Advance Online

December 10, 2018

Cigno Loans

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There are plenty of ways you can get a cash advance these days. In this article, we’re going to explain the top reasons why we think it’s best to get yours online. Whether you need the money to buy groceries or pay for crucial repairs around the the house, online loans promise speed and convenience above all else. Take a look through these definitive facts to see if getting your advance online seems like the right way to go. Let’s start with:

Online advances can be paid in hours

One of the most popular types of cash advance is a payday loan. This is the kind of short-term finance we offer at Cigno Loans. When you apply for one of these loans online, you can expect delivery of the money right into your account within 24 hours of your application being approved. In most cases, we can pay out the same day! This kind of speed can be essential when you’re in a tough situation, and being able to apply through our website makes the process so much easier.

Doing it online means no meetings or waiting lines

One of the worst things about going to the bank or a pawn shop, is having to wait in a line. When you apply online, there’s no such hassle. You can select the exact amount of money you need and get in touch with our dedicated customer service team if you have any questions at all. Instead of being an all day process, your application for an online cash advance can be addressed within minutes. In some cases, we can have the money reach you within hours.

When you try and get a loan or overdraft from the bank, you’ll no doubt have to set a meeting with whoever handles assessments and this can be a real time sapper. Payday loans are designed to be as fast and convenient as possible saving you from all the conventional horrors of getting a cash advance from a physical establishment.

Shopping for a good credit deal is never easy. Most banks and loan providers will almost certainly run you through a credit check as part of their application process. We don’t like the hassle of credit checks and we understand that a lot of people feel the same way, so we never use them as a form of assessment in our short-term loan process. We look at your current income instead as we know this is a much better way to check if you can definitely afford the amount you’re looking to borrow.

Apply at night if needed

Most of us still work a 9-5 routine. That means showing up for meetings or taking lengthy calls during the day to get your loan can be a pain. With our online applications, you can get started on your loan application at any time. Whether you want to get on with it just before hitting the sack or really early in the morning, the option is there for you. Our team does work typical office hours, but we promise to jump on all applications as soon as we get in the next day!

You can compare options easier online

One of the most crucial but also the most tedious facts about borrowing is having to weigh up options. When you get your cash advance online, you can weigh up your options with just a few clicks and page swaps. We’ve been in this business for quite some time now, so we know what separates the best providers from those that don’t survive. The best thing to look for is a solid company profile including a real business address, great customer reputation, and a very dedicated customer service team. Without these necessities, an unknown short-term loan provider could prove very risky to work with down the line.

Cut costs by doing it online

You’re probably in need of a cash advance because you’re already facing costs you can’t manage. Paying bills is often more expensive and harder now than it ever has been before. If you’re in a jam with money, the last thing you want is to have to spend more getting yourself from A to B. When you get your cash advance online, there’s no need to spend money on tickets, gas or parking, because you’re doing it all from the safety of your couch. The exact amount of money you need, paid to your account while you’re relaxing wherever you want to be – that’s exactly how it should be!

Crucial Reasons To Get Your Cash Advance Online

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Read more about cash loans with no credit check here, or in our previous blog post: Why So Many People Prefer Loans With No Credit Check

8Oct2018

Cash Loans With No Credit Check – How Do They Work?

October 8, 2018

Cigno Loans

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Cash loans can be very helpful in situations where you’re running low on money and need funds fast. In this article, we’re going to explain some of the factors that make cash loans with no credit check so well suited to those in desperate financial circumstances. Heard about payday loans before and want to learn more? Have a look through this overview to see if this might be an appropriate solution for you. We’ll start with:

What is a payday loan?

Payday loans are the core solution we focus on at Cigno Loans. These loans are designed to bring customers fast payouts so that they can use the money to address their situations as soon as possible. The funds are paid straight to your account and you are expected to pay back what you owe using your next payment from work.

When do people tend to use payday loans?

Payday loans are intended to help you with urgent circumstances. You might have spent too much this month and run out of cash for essentials or an urgent cost might have come up in the form of a housing or vehicle repair. There are loans of reasons someone might consider a payday loan to be their best route. If you need the funds right away and don’t have access to a credit card or people that can loan you the cash you require, a payday loan could be the most practical option for you.

Why don’t these loans require credit checks?

Normal loans require credit checks because the loan term is usually spread over years. Payday loans are meant to be paid back within weeks or months. Because they are short-term, a credit check is not as useful as checking your current income levels. As long as we can see that you are earning a consistent income, we’ll be confident in your ability to pay what you owe.

We never want to see anyone run into debts or money trouble, so we do all we can to ensure the process is handled as responsibly as possible. Once we have assessed your most recent bank statements, we’ll get back to you with an offer that we think fits your situation perfectly.

When your credit score is low, you might struggle to access typical lines of credit like credit cards and overdrafts. Thes types of product usually always involve a credit check. Sometimes applying can even damage your score further if you are refused. You won’t be refused for a payday loan as long as you are in gainful employment and can prove that your next payment from work will be enough to make repayments comfortably.

How much can you get with a payday loan?

At Cigno, we offer loans up to $500 for first time borrowers. This is a sensible amount that should help you get through most cash shortage situations. The worst thing you can do with a payday loan is take more than you need or more than you know you’ll be able to pay back without any problems.

This amount can go up if we can see you have a history of borrowing from us without issues. Make sure everything goes well with your first loan and we’ll be happy to continue helping you when you need a fast injection of urgent cash in future.

Managing your money effectively is hugely important if you want to avoid constantly reaching the limits of your monthly budget. We never advise people to use cash loans with no credit check to buy things they don’t need. Missing payments can seriously impact your credit history as well as land you the kind of penalties most people would expect from all forms of unsecured credit, be it credit cards, overdrafts or payday loans. When you take these financial solutions, you must be sure you have a solid plan to pay back what you owe exactly as agreed in your terms.

That’s it! That is our basic break down of cash loans with no credit check and how they work. Need more advice? Feel free to get in touch with our team if you have any other questions about payday loans and we’ll do our best to provide as much information as we can.

Cash Loans With No Credit Check – How Do They Work?

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Read more about cash loans with no credit check, or check out our previous blog post: Why So Many People Prefer Loans With No Credit Check

2Oct2018

Top Facts About Cash Loans For Bad Credit

October 2, 2018

Cigno Loans

bad credit, cash loans Bad Credit Loans, Payday Loans

You’ve run out cash and need a loan to make it to your next payday. Do you ask friends, apply for a new credit card or take a payday loan? If speed and avoiding a credit check are at the top of your priorities list, a payday loan could be your best move. In this post, we’re giving you our top facts about cash loans for bad credit ratings. Take a look at these vital points to make sure you pick the right course of action for your situation. We’ll begin with:

Cash loans are usually based on your income

Payday loan companies like Cigno Loans might not assess your credit score, but your income certainly plays a large role in the process. If your rating is low but you have a steady monthly income, you’ll certainly quality for a payday cash loan for bad credit. At Cigno, we try to have an open mind towards the needs of individual applicants rather than see everyone as a just a collection of digits.

We need to see that you can easily afford the loan you’re looking for. It would be terrible on our part if we gave out cash loans to people that are were not earning enough to pay for them. One of the fastest ways to land yourself in a deepening puddle of debt is to continue borrowing amounts that you cant afford. We do our best to avoid this by ensuring we remain very careful with who we accept.

As long as we can see in your most recent bank statements that you have a regular income, we’ll be able to make you a loan offer.

Loans for bad credit pay much faster

We can all benefit from cutting down our spending and putting more effort into planning our days more carefully. Living a simpler life is not as tough as you’d think if you’re prepared to make a few sacrifices. The more we spend, the more risk we take in overstretching our incomes. When money is tight, speed becomes a pressing concern. This is why payday loans are designed to pay out very quickly.

Cash loans work for bad credit borrowers so well because they ditch the credit check. This is one of the main reasons they can be so fast. Credit checks take a lot of time to process properly. Our team doesn’t have to do them, so we can move on and get your application through the stages in double quick time. In most cases, we can ensure your loan is paid to your bank account within 24 hours of your application being approved.

As you can imagine, this kind of lightning speed is perfect for situations where you need the cash right away. If your car’s broken down or a pipe has burst in your house, you can’t exactly wait weeks to have it fixed. These are the exact circumstances where an immediate injection of the exact level of funding you need can be a real lifesaver.

Repaying what you owe is crucial in restoring your rating

However you choose to borrow, you should always aim to make repayments exactly as outlined in your agreement. Planning your day-to-day is a huge step towards taking control of your finances. Whether you chose to use a credit card or payday loan, making repayments on time is the best way to prove that you’re responsible with credit. This is the path to reducing your debt, increasing your credit score, and being able to access the best interest rates for large loans in future.

If you decide to take a payday loan, you have to make sure that you don’t miss repayments or fail to pay at all. This can have a very negative impact on your credit score. If your ambition is to raise your rating back up to stellar levels as soon as possible, the last thing you want to do is fail to successfully repay your loan on time.

Those are the top facts you should remember when looking for a cash loan with bad credit. Need more help? Feel free to leave a message in the comments or get in touch with our team for more advice.

Top Facts About Cash Loans For Bad Credit

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Read more about cash loans for bad credit here, or in our previous blog post: Centrelink Loans – How To Get Cash Funding While On Benefits

11Sep2018

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Centrelink Loans – How To Get Cash Funding While On Benefits

September 11, 2018

Cigno Loans

bad credit loans, cash loans, centrelink loans Bad Credit Loans, Payday Loans 7

The government’s Centrelink program is there to help those who need it most, but what happens when the funding you receive isn’t quite enough? In this article we’re going to be looking at the best ways you can access a Centrelink Loan that fits your circumstances. Have a read through these pointers to see if a short-term solution might be the ideal option for your urgent financial situation.

Payday loans with instant payouts

Cigno Loans offers payday loans and microloans to people who need cash as soon as possible. As well as those in full-time employment, we also like to provide help to people outside of work that are living on welfare and need a Centrelink Loan to get them through the month. Sometimes, the money you receive from benefit payments just isn’t enough. When you find yourself short on money and unable to pay for necessities, the most ideal solution would be a fast injection of emergency cash from a reliable source. This is exactly what we aim to bring you.

Handling your income and finances isn’t always easy. New costs can come up and people run out of cash from time to time. When you find yourself in this situation, your options can be quite limited. You can take a loan from a friend or try and pull off some extra work on the side, but how quickly will these ideas payout and give you the funds you need right away? With our payday loans, we usually try to have the money reach you within 24 hours of accepting your application.

You can apply for a payday loan with bad credit

Your credit score isn’t all that important when it comes to short-term Centrelink Loans. All we need to see is your latest bank statements to ensure you have the steady income needed to pay us back within the coming months. If your credit score is really low, you may have tried applying for credit elsewhere and found nothing but rejection. We like to be far more open minded and understanding of different peoples needs, so we’ll still consider your application even if your credit rating is really low.

You can apply for the exact amount you need online or over the phone

Modern living is filled with money challenges, and when you’re living on a limited income, things can pop up that you didn’t expect. We always advise that borrowers only take exactly what they need to cover their most urgent costs. Take too much and your final bill will be higher. It’s never a good idea to spend your loan on things you don’t need. Our short-terms solutions are designed to help you with emergencies, not entertainment or luxury purchases.

The most convenient way to apply is online. Using the Cigno loans website you can complete your application anytime of the day or night. Prefer speaking to someone? Our friendly team is available during daytime office hours to help you through the application process if this is your preference. Once we have your application, we’ll do everything we can to send you an offer within hours!

Repay successfully and we’ll be happy to lend to you in future

Find yourself struggling on a regular basis? If you take your first loan with us and repay without issue, we’ll be more than happy to continue lending to you with even faster processing times in future. If you can prove to us that you are a responsible borrower by paying back what you owe exactly as agreed in your loan terms, you’ll have faster access to our services should you need more help at some point down the line. Our basic loan limit is $500, but we may be able to offer higher amounts to people that have borrowed from us on numerous occasions before without issue.

There you have it! A payday loan could be one of your best options when seeking instant funding. Whether you’ve just started receiving Centrelink benefits or have been for a while now, as soon as you need cash fast, Cigno can offer you a short-term loan that’s paid out within hours. Remember, you’ll need your bank statements and at least one form of official government ID to complete your application.

Centrelink Loans – How To Get Cash Funding While On Benefits

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You can also read more about our Centrelink loan products here, and in our previous blog post: The Advantages Of Cash Loans For Centrelink Customers With Bad Credit

5Sep2018

Couple reviewing their accounts with a digital tablet

4 Things You Should Never Do With A Cash Loan

September 5, 2018

Cigno Loans

cash loans Emergency Loans, Payday Loans 4

More and more of us are spending too much and saving too little. There are now loads of ways for people to run short on money month-to-month. Whether you have a family household to look after or you live in your own place, when money is tight, a fast cash loan could be your best bet to get you to your next payday.

There are loads of ways you can access money instantly. You can take out a short-term loan from Cigno, borrow some money from a friend, or even ask for a cash advance from work. However you get the money, there are certain things you should never do with a cash loan, and we’re going to point them out nice and clearly in this article. Here we go:

Gambling with borrowed cash

Dodge this at all costs. It doesn’t matter where you get the money, gambling with borrowed funds is always a bad move. There are loads of sources out there shouting out about all kinds of get rich quick concepts that revolve around gambling. You should only ever gamble with your own money and amounts that you can afford to lose. Losing with someone else’s money just makes the loss even greater.

If you want to proactively make yourself a larger income, there are loads of more sensible ways that people should aim to make extra money on the side that come with far less risk.

Buying luxury consumables with borrowed cash

Whether it’s a wild shopping spree for items you don’t need or getting this years holiday booked in, borrowing cash to make luxury purchases that don’t hold value isn’t a good idea at all. Saving on groceries is one of the best ways most households can cut large amounts from their monthly expenditure. You should only really be spending disposable income on pleasure purchases. Use credit cards, payday loans or cash loans from friends to pay for expensive luxury buys and you risk throwing yourself into more debt than you can afford to handle.

Travel with the entire amount in hand

This is a huge security issue. At Cigno Loans, we pay our payday loans straight to your account. This allows you to draw out only what you need or pay for purchases with your debit card. Travelling with large sums of cash is always a dangerous thing to do especially if you plan on making your way through a series of public places. Do yourself a huge favour and make sure you borrow cash via electronic channels.

Even if you are taking your cash loan from a relative or associate, it’s always best to have them transfer the money to your account online. As soon as the cash is in your hands, it’s your responsibility. A theft of your online bank account can be traced and documented. A theft of cash from your hands is much harder to prove.

Invest in ventures or schemes

Doing business with short-term finance is far from clever. Whenever you take a cash loan you should always be upfront and honest regarding your intentions with the money. At Cigno, we always advise borrowers to take as little as they can. With our loans, you can specify the exact amount you need so that you only take what you absolutely require to cover your urgent costs.

Take too much, and you risk landing higher repayment charges than you can realistically afford to pay back without any issues. Investments of any kind are not all that different to gambling. They don’t always go according to plan and could end up costing you instead of making you money.

The only real reason to borrow a cash advance is to cover costs that are essential. Repairs to your plumbing, fridge or car, food for the month, and travel expense are all examples of acceptable emergency expenses.

Those are the main things you shouldn’t be doing with a cash loan. If any of these pursuits is in line with what you have in mind, it would be best to save rather than compile the risk by using a short-term cash loan to fund them.

4 Things You Should Never Do With A Cash Loan

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Read more about cash loans here, or in our previous blog post: How To Get Cash Loans Fast Without A Bank

3Jul2018

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

July 3, 2018

Cigno Loans

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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.

10Apr2018

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How a Cash Advance Can Help You After a Disaster

April 10, 2018

CignoBlog

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In 2017, the Australian Bureau of Statistics released a statement claiming that that nearly 1 out of every 3 Australian households was over-indebted.

That number that has grown by 8% from 2003 – 2016.

Being in debt is difficult on its own, but imagine being in debt when a natural disaster strikes.

Earthquakes, floods, destructive winds, road closures, and sickness are all things that can damage lives, cripple businesses and create an incredible financial need.

An advance can be a helpful solution when disasters strike and during other times of uncertainty.

Cash advances provide immediate financial relief to people looking to get past difficult times. At Cigno Loans, we’re proud to offer fast personal loan and cash advance services to Australians when they’re faced with disaster.

You can’t control Mother Nature. When disaster strikes, a cash advance can put you on your feet again. Here’s why.

How Can A Cash Advance Help You After a Disaster?

Medical Expenses

Natural disasters can embody a wide array of hardships including increased occurrences of sickness like the flu.

Even if the natural disaster you’re facing is not related to sickness, things like floods and earthquakes can cause injury and illness. This can mean paying for medication, treatment, and may even result in needing time off work.

When an unexpected disaster puts the burden of medical-related expenses on you or a family member, a cash advance can help.

Cash advances give you the financial support you need to give your body the resources and time it needs to make a full recovery.

Home Repairs

Home repairs are the most common hardship associated with natural disasters and for good reason.

Harsh winds, rains, floods, and earthquakes can cause severe damage to the place you live. This can exacerbate the already unpredictable costs of home ownership.

Pipes can sustain damage and roofing might tear. Trees on your property may even present an environmental hazard which means you need to pay to get them cut. These are just a few examples of what you might encounter.

Some disaster expenses are non-urgent but problems caused to your home may need immediate attention. Living in a damaged environment can at best, be uncomfortable for you and your family, or at worst, present danger.

A cash advance can help bridge your income. This will ensure that the quality and comfort of where you live does not need to be on hold until you receive your next paycheck.

Car Repairs

Australian research firm IBIS World estimates the car repair industry’s revenue at 16 billion dollars a year as of 2018.

That’s good news for them but that revenue comes at the expense of car owners who are generally caught off guard by vehicle damage and breakdowns.

Natural disasters only increase the risk of unexpected car repairs.

Flooding can ruin engines and severely damage car interiors. Accidents caused during earthquakes, high-winds or severe rains can lead to tremendous body repair costs. They may even mean needing to replace your vehicle altogether.

If you use your vehicle to get to work or drop off family members at school, getting your vehicle repaired in a timely manner may be of even greater importance.

If you find yourself in need of financial help to make emergency car repairs when a disaster strikes, a cash advance can be the solution you are looking for.

Cash advances can provide you with the financial lifeline you need to ensure your car is in working condition and safe so an unplanned disaster doesn’t put you out of service.

Work Gaps

City workers, electricians, and disaster relief personnel are just some examples of people who probably won’t need to worry about having work when natural disasters strike.

But what about a supplier whose restaurant closes during disaster-related repairs?

Or how about an online freelancer whose internet is down? It could take weeks for his or her internet provider to repair their connection and get them back to work.

Natural disasters can lead to uncertainty in regards to when you’ll see your next paycheck and unfortunately when work pauses your bills don’t.

A cash advance can help get you past a lull in your work routine so you don’t have to worry about how you’ll get yourself through the rest of the month.

Dips in Business

Small business owners, particularly those who run brick-and-mortar establishments, may get hit the hardest when disaster strikes.

Disasters can result in road closures which can make it impossible for customers to access your goods and services. Your business may have been damaged and you might have to close your doors until it meets safety standards again.

And even if the damage is not an issue for your establishment, customers are less likely to go out and spend their disposable income after a disaster due to fear and uncertainty.

No matter how it happens, when natural disasters hurt you and your business’ bottom line, you may find yourself worried about mounting expenses and your lack of income.

A cash advance can help.

When your business is built for the long-term success, a cash advance can make sure you are not hurt by short-term financial hardships.

In Summary

Natural disasters are unpredictable and can cause financial hardship to hard-working everyday people.

When repairs need to be made, medical expenses need to be paid, and income needs to be bridged to get through difficult times, getting a cash advance can be the solution you need to ensure that your life is disrupted as little as possible.

How a Cash Advance Can Help You After a Disaster

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How We Can Help

At Cigno Loans, we are proud to offer cash advances up to $1000 to Australians who need assistance getting through hard times in their life.

We believe in giving everyone fair consideration when applying for our loans. We offer a quick, non-invasive application process that aims to get you the money you need.

We also believe in responsible lending and borrowing. That means we will help you get a loan amount that best fits your financial situation and sets you up for success.

If you’re interested in a cash advance, apply for a loan today. For more information about the types of loans we offer or other financial advice, read more on our blog.