Centrelink Loans

Receiving a loan

Are you in need of emergency cash?

Do you need a loan urgently — approved today, with no long wait times or paperwork?

If so, you’ve come to the right place!

With us, you can apply for a Centrelink Loan online any time of day, anywhere in Australia.

Within minutes, you can apply for up to $1000.


  • Click APPLY to complete your fast online application.
  • Once approved, the loan amount can be available in your account within hours.

Please note: If applying outside of business hours, processing can take longer and funds will be available generally next business day.

Our costs are upfront and easy to understand. Nothing is hidden.

You can use our calculator to work out exactly what a Cigno loan might cost you.

To apply, simply complete our online application form here.

What are you waiting for? The sooner you contact us, the sooner we can assist you.

Centrelink Loans

Centrelink loans are a means of borrowing money for persons who have a low income and on Centrelink payments. You may qualify for a payday loan depending on whether the lender accepts Centrelink as income. If you need a Centrelink loan, you can apply here.

You can also apply even if you need a cash loan for bad credit while on Centrelink.

Centrelink Master Program is a program under the Australian government’s Department of Human Services. It basically provides financial help to Australian citizens. The benefits that they provide aim to help those with lower income in aiding during tough financial situations.

Those who can receive these benefits are the unemployed, retirees, and financially struggling families. Disable people and indigenous Australians are also beneficiaries of this program.

What do we require from you?

We require the following to process and approve your loan:

  • Your personal details
  • A bank statement

We use safe and secured technology to help you gather this information.

Your information will only be accessed with your permission and with our highest security.

Over time, your payment history will improve and you may be able to borrow more money when you need it.

How does it work?

Tell us how much you want to borrow.

By analysing your bank statement, we’ll figure out what kind of loan is best suited to you: cash loan or personal loan. Then we will figure out your repayment period depending on your choice of loan.

We will need you to provide us with bank statements for at least the last 90 days.

Please note: Use Credit Sense for a secure, quick, and easy uploading of your bank statements.

How much can you borrow?

This depends on:

  • Your requirements
  • Your expenses
  • Your income
  • Your financial situation and financial commitments
  • Your suitability for the loan.


We can help you apply for:

  • Unsecured cash loans from $50 to $1000
  • Unsecured personal loans from $50 to $1000.


Gold-Silver Standard Finance only charges a flat fee of 5% of the amount borrowed.

If you choose to use Cigno’s service there are other fees and charges applicable for the service.

To view our Disclosures and Authorisations where you can see our full fee table for any additional fees, click here.

Take the step today by simply completing our online application form. Click here to apply!

What are you waiting for? The sooner you contact us, the sooner we can assist you.

Loan repayments

We make things easier. Repayments can be set up to be in step with your pay cycle.

We take your needs into account. We match repayments with your capacity to repay.

A repayment reminder is sent before as well as on Payday.

Direct debits will be set up on Payday to your account.

If you think a repayment cannot be made on Payday, please contact our Support Team.

Our job is to make repayments both predictable and painless for you.

We don’t have any hidden agendas or fees. If a repayment is late, you will be made aware of any additional fees upfront.

Remember: As soon as you pay off your current loan, you can apply for another using Cigno’s service. We will keep all your information on file making the application even faster and easier. Simply call us or re-apply online through our customer portal.

Over time, your payment history will improve and over time you may be able to borrow more money when you need it.