Do you have a history of bad credit?

If so, we know how hard it can be to get a loan with a bank or another financial institution. Don’t worry though, we can help you to quickly and easily apply for a Bad Credit Loan.

If you want more information, please see our FAQs page or feel free to contact us.

What exactly is a bad credit history?

Your loans in the past have defaulted. An outstanding bill left unpaid for more than 60 days is usually referred to as a default.

Examples of a bad credit history includes one or more of the following:

  • Unpaid default
  • Paid default
  • Current Bankruptcy or Ex-Bankruptcy
  • Part IX Debt Agreement.

A bad credit history can be made worse if too many enquiries are made by lenders on your credit profile.

Strict limits are made by major banks on the number and frequency of recent credit enquiries.

We believe everyone deserves a second chance.

Your entire credit record should not be ruined by a minor default.

How do you get a Bad Credit Loan?

Unlike banks, we are more understanding of your needs and circumstances.

We don’t turn away customers with a bad credit history, in fact we welcome them!

Apply through Cigno today and we will act as your agent to help make it possible for you to apply for a Bad Credit Loan.

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

Alternatively, you can discuss your needs with someone who understands by calling (07) 56 44 3500.

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

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, secure 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 over time you may be able to borrow more money when you need it.

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.

More about Bad Credit Loans

Does this sound like you?

  • You have recently become unemployed
  • The banks have foreclosed on your home
  • You have suffered bankruptcy
  • You have suffered another type of financial crisis.

If so, your ability to borrow will be restricted as your credit file will show a bad history.

In such circumstances we understand it can be difficult to remain positive, but we can help you!

Experience freedom, with our specialised Bad Credit Loan

A bad credit history is not considered as a limitation when you apply through Gold-Silver Standard Finance using Cigno’s service. The specialised Bad Credit Loan will provide you with the cash you need for any acceptable purpose.

At Cigno, our service caters to people with a credit history of defaults and arrears. In today’s market, such limitations make it incredibly difficult to get finance. The Bad Credit Loan is your solution, offering you competitive interest rates.

Do these circumstances apply to you?

  • On Centrelink Benefit
  • Self employed
  • Self employed but unable to provide recent financial statements
  • Employed less than 3 months
  • A bad credit history with a mortgage in arrears
  • You live on a rural property
  • Other circumstances preventing you from borrowing.

Our Bad Credit Loan is your first step in succeeding again in dealing with a major bank or lending institution. At that point the interest rates may be even lower.

This can all be possible within 6 months.

Experience freedom and take advantage of our experience.


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

You can refer to our costs page to see how much the Cigno service may cost you, click here.

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