I’m very happy customer! They are so understanding! Evan when I payed a payment late I had an option to pay the following fortnight witch helped me out with an unispected family issue! Thanks Cigno
Have some urgent expenses coming up, but payday is still weeks away? Cigno acts as your agent to assist you in applying for and getting approved for a payday advance loan. Once approved, the money is usually disbursed on the same day to meet your urgent needs and keep your head above water.
A payday loan is a small amount of money used to cover urgent expenses and then repaid on your next payday. Getting a loan before payday enables you to pay for things that arise unexpectedly such as untimely bills, medical costs, and repairs. Does this sound like your situation? Cigno has you covered.
At Cigno, we act as your agent to assist you in applying for a payday loan that suits your situation. However you may receive your paycheck, there are a variety of reasons why you may be in need of a payday cash loan. Whether you’ve got bills piling up or an accident has left you with costs that you didn’t budget for, we will find a short-term solution that gets you through to your next payday.
It is important with all loans that you make sure you can afford the repayments before entering into any agreement. If you cannot, you should consider other options.
Cigno specialises at finding a suitable solution to meet your needs, whether that be a loan option or another financial solution.
Cigno makes applying for an online loan fast and easy using our online application process with same day approval
Payment history information remains on your report for 2 years, while the credit enquiries themselves (i.e. when payday lenders check your rating) stay for 5 years.
This is possible with some lenders. However, it is best practice to pay off your existing debt before applying for a new loan to ensure you do not end up with a debt problem. If you are using the Cigno service and have an active loan, you will need to have repaid the loan in full before we can assist you in applying for another loan. Once the active loan is paid you can apply again immediately. There is no cool-off period.
Yes. We can assist you to apply with a lender who does not require a credit check.
In general, every lender will have its own distinct costs of borrowing, whether it be fees, interest, or a combination of both. It is important that you fully understand the costs of borrowing before you enter into any loan agreement. If you choose to use Cigno’s service, we will provide you with all relevant information regarding the lender costs before you enter into any loan agreement with the lender. You can also read more on our Costs page.
If you cannot make a payment on time, it is very important you get in contact with your lender to set up a payment schedule that you can afford. Defaulting on payments will generally incurred additional costs which can get out of hand very quickly and could result in enforcement action and negative implications for your credit history.
If you choose to use Cigno’s service and you are unable to make a payment on the due date, all you need to do is let us know. We will assist you to put in place a new, affordable payment schedule to ensure that you are able meet your obligations and still be able to afford your everyday expenses. This way you don’t end up with a debt problem.
The biggest factor that will negatively impact your credit score is failing to make repayments on time. However, every lender has a different assessment criterion as some lenders will view the presence payday loan applications on a credit file negatively and may decline an application as a result. On the other hand, repaying your payday loan promptly will generally be viewed by lenders positively.
I’m very happy customer! They are so understanding! Evan when I payed a payment late I had an option to pay the following fortnight witch helped me out with an unispected family issue! Thanks Cigno
The process of a small loan was easy and Cigno was prompt in depositing the funds into my account. Couldn’t have been happier. They come through every time I need a small loan.
I’m very happy customer! They are so understanding! Evan when I payed a payment late I had an option to pay the following fortnight witch helped me out with an unispected family issue! Thanks Cigno
The process of a small loan was easy and Cigno was prompt in depositing the funds into my account. Couldn’t have been happier. They come through every time I need a small loan.
Please consider your own circumstances before you use Cigno. Please make sure you read our Privacy Policy and Terms of Use.
Cigno is a business name of FTA Data Solutions Pty Ltd.
FTA Data Solutions Pty Ltd is is an Authorised Credit Representative (Credit Representative No. 552387) of Finance & Loans Direct Pty Ltd Australian Credit Licence No. 390166.
Cigno is not a credit provider or a credit assistance provider. We match our customers with partners that may be able to provide a suitable financial solution. We may receive a fee from the partner for connecting a customer with them.
Your completion of our information form does not guarantee approval. We do not endorse or recommend any partner which we may connect you with, please make sure you read and understand the terms and conditions of any partner that we connect you with. All applications with any partner that we connect you with are subject to that partners terms, conditions and eligibility criteria.
All statements on this website are general in nature only and do not constitute finance, credit or legal advice.
Call: (07) 5644 3500
SMS: 0437 873 910
Email: info@cignoloans.com.au
Post: PO Box 3362 Australia Fair, QLD 4215
ABN: 95 670 814 221