Need a loan?
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Complete our 2 minute application to receive an obligation free quote and approval within the hour!
1 Personal Details
2 Contact Details
3 Loan Details

Why Choose Cigno?

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Fast Approval Rate

In need of your pay now? No worries! Cigno’s application process is a quick and painless process and expect to receive a response within minutes of applying.

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Same Day Loans

Receive cash to your account on the day

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All Applications Considered

Cigno will be here to assist everyone in need of a short term solution to bridge the gap, regardless of your credit history.

How it all Works

Simple Application

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Complete our simple step by step application online

Quick Approval

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Once approved, read and accept your loan contracts all online!

Receive your Cash

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Once accepted you can receive your cash within hours! Note: Applications after 5.00pm AEST will receive funds early the next day

F.A.Q’s

What is Cigno? And what does Cigno do?

Unexpected bill? Falling short on your cash this month? Cigno are the specialists in short term cash advances of up to $1000 and are here to help! Cigno’s focus is to provide a quality service for loan management and give every Australian the access to a short term financial solution. Regardless of anyone’s personal or other circumstance, Cigno believes in giving everyone a chance to do our best to assist. Our quick, easy and non-invasive application process provides each of our clients with a user experience second to none.

How much is a Cigno loan?

A Cigno loan will have the following fee structure:

Lender Fees (GSSF)
There is a once off flat rate Lenders fee of 5% of the loan amount regardless of the Loan term. Expressed as an APR this equates to 5% p.a

Service Charges (Cigno)
Cigno’s service fees and charges vary depending on optional services chosen and repayment selection. These costs range from 35% to 75%.

For a quote, simply complete our 2 minute application.

Repayments: Fortnightly
Minimum Term: 62 days
Approximate Total:
Maximum Term: 62 days
Service Charges:
Annual APR: 5%


What happens when payments aren’t made?

Here at Cigno we understand the unexpected situations that arise in life and as a result we do not negatively affect your credit rating. However, it is always better to contact us prior to a payment failing to adjust the payment or postpone the payment to a later date.

Default fees and charges are applicable for missed payments, this is also followed by our required collection procedures. To ensure payments clear, we may attempt a subsequent payment lessor or greater the prior amount.

If contact isn’t made or we can’t contact you via our internal collections practices, you may be referred to an external debt collections agency. Please see Disclosures and Authorisations for more information.

What is Credit Sense?

Credit Sense is a third party provider that safely supplies us with your bank statement using your internet banking so that we can assess your application.

How do I know my Internet Banking will remain secure?

Your internet banking credentials are not stored. Your credentials are encrypted when you enter them, passed to your bank to gain access to your transaction history and then permanently deleted. If you need to resubmit your bank statement using Credit Sense again, you will need to re-enter your internet banking credentials.

How soon will I receive my funds?

If you choose to, we can deposit your funds on the same day within hours of your application. Our cut off time for this is 5.00pm AEST.