25Oct2019

What Is A Fast Cash Loan?

October 25, 2019

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Once in awhile you need to catch up on your expenses, however, you don’t have an emergency fund. You might want to look into fast cash loans.

What is a fast cash loan?

A fast cash loan is essentially a cash advance. Based on your lender, your income, and your credit history — this type of loan differs.

Most credits being offered range from $100 to $2,000, sometimes it can reach up to $5,000. Expect a limited loan amount if you’re a first time borrower.

The Australian government is in charge of monitoring the fees and charges on this type of loan. You’ll be charged a 20% establishment fee and a 4% monthly fee for a $2,000 loan amount. Anything more than $2,000 can charge up to 48%.

For assessment, you have to submit the requirements and documentation, including your latest 3-month bank statement. Then, there’s the verdict!

Expect a short turnaround time in the whole fast cash loan application process as it’s mostly done online. Usually, the cash is credited directly into your bank account once you’re approved.

Fast cash loans in Australia

Fast cash loans in Australia can give you funds you need with a lesser repayment term. Included are establishment fee, monthly fee, and other charges depending on the agreed loan structure.

Cigno offers fast cash loan products that’s suitable for you. Repayments can be made in step with your payday cycle. Options are weekly or fortnightly, depending on your income. The calculated repayment amount is matched with your capacity to repay the loan.

It’s Cigno’s priority to make your repayments painless, easy, and predictable.

Apply now!

10May2019

Cheap Holidays and Where To Find Them

May 10, 2019

Henry Mabana

easy loans online, fast cash loans, unsecured loans Unsecured Personal Loans

Need a break from work, school, or household chores? You might feel like you’re stuck in a rut in your daily grind. If you’re yearning for something exciting and different, why not go on a holiday?

Exploring another place will give you a fresh appreciation and perspective on life. Traveling is also a special way to deepen relationships and meet new friends.

Now, where would you wanna go? You can search online for a range of cheap holiday packages near you or somewhere faraway that you may fancy.

Check out the following travel apps and discover where to go with great deals that won’t hurt your pocket. This extremely economical holiday destinations will definitely give you a much needed break!

TripAdvisor

With the all-new TripAdvisor, you’ll discover helpful travel recommendations and advice from the people you follow and easily save and share ideas to plan and book your perfect getaway. There are millions of traveler reviews and photos, bookable tours and attractions, and recommended restaurants — it’s everything you need to know and go better, every time.

TripAdvisor app

The TripAdvisor mobile app for iOS or Android is free and easy to use:

Discover what’s near your current location.
Find great deals and compare airfares.
Search and book amazing tours and attractions.
Find the best hotel for you, including Travelers’ Choice award winners.
See the lowest hotel prices from over 200 booking sites.
Explore restaurants and reserve tables online.
Access over 700 million traveler reviews and opinions.
Discover great travel ideas from the videos, trip guides, articles, and reviews in your personal travel feed.
Follow friends and travel influencers to get helpful advice and recommendations.
Visit the TripAdvisor forums and get answers to your specific questions from other travelers.
Save and organise your travel ideas in one place to plan and book easily.
Add your own reviews and photos.

Note: TripAdvisor app is optimized to conserve battery power and only use GPS where necessary. Although continued use of GPS running in the background can dramatically decrease battery life.

TripAdvisor app uses your location to notify you on personalized hotel, attraction and vacation rental recommendations, restaurant, as well as remember the places you visited via Travel Timeline feature. These locations are collected even if the app is in the background.

Airbnb

With Airbnb, you can now start your unforgettable travel experiences. Find travel adventures and new places to go near or far, and access vacation home rentals, places to visit all around the world, and new experiences.

Airbnb app

Book everything for your trip, or start earning money as a host. Download the Airbnb app for iOS or Android.

Travel experiences — Go on local experiences led by native experts, whether it’s for multiple days or just an afternoon. Explore Seoul’s underground music scene, hunt for truffles in a Tuscan forest, or give back to the community with a social impact experience.

Vacation homes — Choose from over 4 million vacation home rentals across 191+ countries. Search by price, neighborhood, amenities, and more.

Popular destinations — Experience the beautiful sights and find local guides for the perfect vacation:
- Barcelona – Discover the cities beauty with guided walking tours.
- Paris – Find your fill in some of the best culinary tours and museums.
- Rio – Explore the birthplace of Samba or Hand Glide over the sights.

For travelers:

Search for last minute travel accommodations or long term rentals.
Save your favorite rental homes, experiences, and places—and invite friends and family to plan the trip with you.
Book vacation home rentals and travel experiences for your next solo journey, family vacation, or business trip.
Add experiences and events to your itinerary.
Message your host and get directions to your home.

For hosts:

Share your extra space or lead experiences that showcase what makes your city great.
Update your listing and calendar availability.
Share what’s special about your neighborhood with a host guidebook.
Message guests and manage their reservations.

Cheap Holidays and Where To Find Them

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Trivago — compare hotels & save

Get savings when you hotel search with Trivago! Discover the great deals, compare hotel prices, and save money on your next holiday or trip.

Find hotels for your holiday or business trip, discover a last minute city break, or a winter sun weekend deal. With more than a million hotels to choose from and hundreds of worldwide booking sites to compare, plan your next trip stress-free!

Trivago app

Download the Trivago app for iOS or Android.

Discover travel discounts, deals, and savings from hotels worldwide so you can travel cheaply.
Compare and find hotels, motels, or B&B’s from hundreds of bookings sites worldwide including: Expedia, Hotels.com, Holidaycheck, ebookers, AlphaRooms, LateRooms, Travelrepublic, Amoma.com, Booking.com, Priceline, HotelTonight, and more.
Keep your hotel search within budget, search by both location and price, and easily compare.
Hotel search with the Trivago Rating Index® – see the combined online ratings of all available hotel review scores so you feel confident before you book.
Set a trip itinerary for that last minute getaway.
Save money on vacation and travel sites so you can book your ideal hotel at your convenience.
Trivago’s massive workforce will always find the great deals on hotel prices to make your next vacation stress-free.
The Guardian lists Trivago among the “10 best money-saving apps.”
Lifehacker lists Trivago among the “best price-comparison apps you need to download.”
Tech Times calls Trivago one of the “must have apps for frequent travelers.”

Skyscanner — book cheap flights, hotels, car hire

Whether you’re booking holiday, a city break, or a romantic trip, Skyscanner is the best travel planner for booking cheap flights, hotels, and car hire.

Travel smarter with Skyscanner’s slick all-in-one travel app. Instantly search, compare and book cheap flight tickets, hotels, and car hire deals anytime, anywhere for your next trip.

Independent, unbiased and completely free — Skyscanner simply find you the best holiday deals out there in seconds. Book your next trip with the award-winning, simple to use travel planner brought to you by the world’s travel search engine. Available in over 30 languages.

Search over 1,200 travel sites at once to instantly get the best deal. Skyscanner includes deals from:

Expedia
Wotif
Virgin Australia
Jetstar
Tigerair
Emirates
Air New Zealand
AirAsia
Scoot
Booking.com
Hotels.com
Accor
Avis
Budget
Enterprise Car Rental and more!

Skyscanner app

Compare and book them all in the one app. Download the Skyscanner app for iOS or Android.

No booking fees or hidden charges
Get notified of any price changes with Skyscanner Price Alerts push notifications. Never miss a price drop and make sure you get the cheapest flight.
Easily find and compare the cheapest days and months to fly with a colour-coded calendar and chart view.
For holiday inspiration, select ‘Everywhere’ in the destination box and cheap flight prices to the best destinations around the world will brighten up your day.
Filter results by airline, flight length, stopovers, cabin class, departure and arrival times. Book your perfect trip.
With the new Trips feature, you can keep track of your journeys and all your bookings in the one place. You no longer have to search your old emails to know your flight number or departure time. Find it in two taps of your Skyscanner app. Be kept updated on gate changes and flight updates.
Book your whole holiday with Skyscanner. Compare cheap hotel deals from hundreds of thousands of hotels, resorts, bed and breakfasts, apartments, and hostels. Find rooms near your current location. Even search last minute hotels for tonight. Just looking for inspiration? Search for hotels in all your top destinations and dig out some great hotel deals.
Search the world’s car hire deals in seconds. Choose from 30,000 car hire airport or city locations, then filter by vehicle type, auto, or manual and features to find just the car rental you want at just the right price. What’s more, the Fair Fuel Policy flag makes sure you don’t get ripped off on fuel when you rent a car on holidays.
Skyscanner team is contactable 24/7. Accessible via the Skyscanner Help Centre.
Access recent flight searches from your app home screen and quickly pick up where you left off.
Log in to sync your flight searches and price alerts across all your devices- phone, tablet and desktop.
Earn frequent flyer points when you search for and book cheap flights.

Holiday loans from Cigno

Holiday or travel loans are unsecured loans that allow you to finance your trip using the funds. Typically, you can spend the money on any worthwhile purchase or expense — this includes holidays and any other trips.

Some loan providers offer fast cash loans that are tailored for traveling, even if you have bad credit. You may be able to spread payments of a tour or travel package out over the few months before you leave or you could be given interest-free terms on a travel loan.

Cigno are specialists in facilitating and managing cash advances. With these easy loans online, you can borrow up to $1,000 with a maximum term of 62 days. Extra fees and charges are applicable if you choose to use Cigno’s services.

Cigno offers a 24/7 online platform, so apply anywhere, anytime! Even on weekends!

Grab the chance to have a break this travel season and come back relaxed and recharged with new travel anecdotes to tell!

3Sep2018

Where To Get Online Loans With Instant Approval In Australia

September 3, 2018

Cigno Loans

fast cash loans, instant approval, online loans Payday Loans, Short Term Loans 6

When you’re looking for a loan that’s paid out as quickly as possible, you’re options can be pretty limited. In this piece, we’re pointing out the most ideal places to try and get an online loan with instant approval in Australia. Have a read through and see if any of these options sounds right for your situation.

A payday loan from Cigno

Short-term loans are our speciality at Cigno Loans. We understand that when you’re having a tough month, a quick payout loan could make all the difference. This is exactly why we’ve designed a system that allows you to apply online from wherever you want, get approved within hours, and have the funds in your account the same day.

We offer payday loans up to $500, which in most cases, is more than enough to get you to your next payday. These loans are very different to typical personal loans in a variety of ways. We don’t look at your credit score when deciding how much to offer you, so if yours is not in very good shape, you can still borrow from us.

All you need to apply for a payday loan online is your government issued ID and your most recent bank statements. With these, we will be able to assess your current level of income and offer you an amount that is perfectly appropriate for your circumstances. Even if you’re self employed, and used to being turned down by conventional loan providers, as long as we can see that you can afford to pay back the amount you’re borrowing, we’ll be happy to help you out.

Need more than $500? Then you need to contact us directly to explain your situation in more detail. We usually only offer larger amounts to customers who have borrowed from us without any issues in the past.

Emergency overdrafts

Most bank accounts will come with these solutions already active, but the amount they allow can depend greatly on your current credit score, how you’ve handled your account in the past, and the type of current account you currently use. In some cases, it’s possible to contact your bank or apply for a quick overdraft limit online. Some providers will be able to extend your limit within days, but rarely will any bank be able to process your application within hours.

Remember that if your account allows you to be overdrawn, but you don’t have an overdraft limit currently arranged, the fees for such credit can be higher than you’d expect. In most cases, the charges are applied on a daily basis. If an overdraft is your prefered route, make sure you try to have one officially arranged before using the funds, otherwise you’ll incur these far more expensive “unarranged overdraft” fees without question.

Fast delivery credit cards

These are never going to arrive the same day you apply for them, but some credit cards may arrive within days if you get them from the most efficient providers. Just like all other forms of credit, you’ll need to have a seriously good credit score to achieve cards with much larger limits. You can have starter cards or those designed to build your credit history, but these will always come with the highest interest rates in the market. You can also consider secured credit cards, but then come with an upfront security deposit cost that might not be able to cover.

You have to do your shopping around to find the best deals. Such a competitive market means there are loads of options to choose from. Getting approved for a credit card might take longer than the other options described above, but once you have one, you’ll be able to use it over and over as long as you keep up with the repayments.

Those are our picks! We hope this quick list of ideas helps you. When you need an online loan with instant approval in Australia, the fastest way to get an fast injection of funds is with a payday loan. You can try other credit options if you have more time, but if you need the funds right away, a short-term loan could be the only way to access the money within hours.

Where To Get Online Loans With Instant Approval In Australia

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Read more about online loans with instant approval here, or in our recent blog post: Common Requirements for Fast Cash Loans

9Jul2018

3 Best Ways To Get A Fast Cash Loan Online

July 9, 2018

Cigno Loans

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When you need a bit of extra cash to cover your costs for the month, a fast online cash loan is one of the most feasible and reliable ways of accessing funds right away.

In this post, we’ll be taking a look at 3 of the most popular methods that people are turning to when they need to borrow quickly.

Let’s start with:

Short-term loan (payday loan)

This is quickly becoming one the most popular ways for anyone to access money quickly regardless of your credit history. This is what we specialise in at Cigno Loans. The idea is that you get the funds you need as soon as possible, and you pay it back when you get your next payday. There’s no better way to access the money as quickly as possible. In the vast majority of cases, these fast online cash loans are paid out within hours of your application.

The application process is very straightforward and you can even get yours done through our website from your phone.

You’ll need a collection of your most recent bank statements and a government issued ID to complete the forms.

As mentioned, this is a great option if your current credit score is not in perfect shape. Normal loans are based on credit history, largely due to the fact that they involve terms that span years. Short-term loans are designed with terms that span weeks. So the most important thing to us, is that we can see you are in a position to pay back the loan comfortably within the time agreed. Proof of your current income is all the evidence we need, so we won’t have to spend time looking up your credit history. This makes the process much faster, and far less painful for everyone!

P2P lending

Peer-to-peer lending has been increasing in popularity for years now. These are fast online cash loans that you receive from other people, as opposed to an established professional lender. It’s a little more complicated than simply taking a load of cash from a stranger. There is a range of P2P platforms out there that facilitate this system of borrowing.

These P2P platforms are like marketplaces, but instead of a buyer and a seller, the transactions are between borrowers and lenders. Any user that visits the site can be a lender. The P2P site essentially offers to act as the broker of credit deals between users. The main advantages of such platforms include favourable rates and decent delivery times, but it’s nowhere near as fast as the short-term loans described above.

The application process for P2P is all done online and there’s a wealth of different sites to choose from, all of which offering slightly different terms, so it’s important to read up before you dive into anything. If you’re not that pressed for time, and are prepared to do your homework in order to save a few dollars, this might be a suitable option for you.

Apply for a credit card online

This is bound to be the slowest of the three options we’re pointing out here, but it’s still likely to be much faster that applying for a personal loan from the bank. Taking credit cards from less established issuers has always had a bit of a negative cloud looming over it, so you’ll have to do some searching around to compare cards and find the one that ticks your most important boxes. The rising concerns surrounding online sales does suggest it’s becoming increasingly important to use credit cards for online purchases, so applying for a card can fulfill more than one purpose.

The question is; do you have the time to complete the process? Even in the best case scenarios, online credit cards can take days or weeks to arrive and become active. If your emergency needs to be sorted right now, this option won’t give you access to the cash quickly enough.

3 Best Ways To Get A Fast Cash Loan Online

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That’s that! When you need a loan right away, these are the best options you have. Need the money today? A payday loan is the only way to achieve that kind of speed. Have a bit more time to play with and the patience to weigh up a sea of options to get the best deal? Then you can take a closer look at P2P lending or applying for a new card.

23May2018

mechanic attending to flat tire of car - fast cash loans

Can I Get Fast Cash Loans With Bad Credit?

May 23, 2018

Cigno Loans

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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.