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Melbourne has been one of the favourite cities among travellers and chance takers. It is well known for its pubs, coffee culture, live music, and street art, which can be found mostly in a large number of laneways. For several years now, Melbourne has been voted the most liveable city in the world.

Whether you plan a visit or think of moving to Melbourne, a financial boost will be advantageous to you for your next adventure in this great city. Cigno Loans can be of assistance as we help you find the best cash loans Melbourne has in store for you!

Types of Loans We Offer

Cigno offers a variety of payday loans. We will match you with the right financial solution that fits your needs. It’s up to you how you’ll use the funds with any purposes and goals you may think of.

Fast Cash Loans Melbourne

When you find yourself in a “need an extra cash” situation outside your usual budget, count on Cigno to look for and offer you fast cash loans Melbourne. These sudden expenses have to be dealt with swiftly before they pile up, so we made our application process easier for you.

Same Day Loans Melbourne

Cigno’s efficient and quick review process increases your chances for approval. If you got lucky, your same day loans Melbourne funds will be transferred to your account immediately so you can rest assured that you can use your money today.

Bad Credit Loans Melbourne

Have you ever had bankruptcies or defaults in the past? No worries if that’s the case, as Cigno won’t turn you away. We accept all applications and we won’t let your bad credit ratings be a hurdle if you borrow funds from us. With our partner lenders, Cigno will work hard to get your bad credit loans Melbourne approved.

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How Much Can I Borrow?

It’s our commitment to consider and review anyone’s application to give them a fair chance for cash loans as much as possible. Cigno’s services are available for you so we can find payday loans in Melbourne of up to $1000.

The exact amount you’ll be able to borrow may vary based on your income and payment capability, which we’ll gather from your bank statement. The other bases we may look into are your expenses and overall financial situation.

As an existing customer, an increase to your credit limit may be allowed if you are able to maintain a good payment history and your state of affairs is consistent.

Explore Melbourne

Melbourne is a great city and home to some of Australia’s famous landmarks, such as the City Circle Tram, Queen Victoria Market, and Melbourne Cricket Ground.

City Circle Tram

The City Circle Tram is a much loved heritage and a convenient and zero-fare way of sightseeing around Melbourne City Centre. Experience a unique ride on one of the city’s beloved trams with an audio commentary about the details of the city landmarks and attractions like the Parliament House, Federation Square, City Museum, Melbourne Aquarium, the Princess Theatre, and the Docklands. Just wait at any tram stop, marked with a City Circle sign, to catch the tram.

Queen Victoria Market

For over 140 years, Queen Victoria Market has been the heart and soul of Melbourne. It’s an inner-city, bustling, authentic market that’s home to over 600 small businesses. It’s the place to discover unique and hand-made products, fresh food and specialty produce, great coffee, clothing, and souvenirs. When you visit, add to your list the Ultimate Foodie Tour, a 2-hour, guided walking tour, so you can indulge in some of the sumptuous food the Market has to offer.

Melbourne Cricket Ground (MCG)

The Melbourne Cricket Ground (MCG) is Australia’s oldest, most popular, and largest sporting venue with a total capacity of 100,024 people. The MCG has hosted the 1956 Olympic Games, 2006 Commonwealth Games, lots of international cricket, and countless VFL/AFL Grand Finals. Other than its sporting events, the MCG has also held many sold out music concerts, and in 1986, a mass was held by Pope John Paul II at the venue.

The MCG stadium houses the National Sports Museum, preserving some of the most priceless pieces of memorabilia in sporting history in Australia.

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Why Choose Cigno Loans?

Cigno and it’s partner lenders can help you find and access the funds you need now. Our financial products and services are easily available to provide you with various payday loan options, such as fast cash loans, same day loans, and bad credit loans.

High Approval Rate

Cigno understands that financial difficulties can occur at any time to anyone, so we’re here to help. We won’t turn you away in case you’re unemployed or retired, as our commitment is to help you by considering all applications. We give everyone a higher chance of approval to reciprocate the trust you’ve given us.

Short Application Process

Cigno respects your precious time by making our application process easier and more convenient for you. Our process includes sorting your finances without much paperworks involved. We’ll only require a bank statement, your completed online application, and maybe some specific details for further assessment.

Even if you’re at home, in the office, or wherever you may find time to complete the form and sign the settlement offer, you can do so with our short application process.

24/7 Online Platform

Thanks to our technology, Cigno can be of service anytime. Our 24/7 online platform allows you to apply whenever and wherever you are. If approved, your money will be transferred immediately into your bank account so you can get your cash within hours. It’s the fastest way to get cash loans in Melbourne.

Apply for A Payday Loan in Melbourne

If you’re looking for a quick financial relief to cover any sudden expenditures, Cigno can provide payday loans Melbourne so you can immediately address these urgent expenses. Apply now through our quick online application or by phone on (07) 5644 3500.

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How long does it take to receive my funds?

You’ll receive your money on the same day given that your loan application is finalised before 5.00pm (AEST). Later than that, you’ll receive your funds the next day.

Note: This is subject to your bank, the weekends, and public holidays.

Do you carry out credit checks?

Cigno, in coordination with our partner lenders, provides cash loans with no credit check. In case you have a bad credit or empty track record, this won’t be in your way of acquiring a cash loan.

What if I am unemployed or on a pension?

Our cash loans are not limited to those who have a job. If you are unemployed, Cigno can assist you in accessing cash with the help of our lenders who look beyond your employment status.

We’ll take into consideration if you receive benefits through Centrelink or other channels. Whether it’s an age pension, carer’s pension, or disability support pension, there are routes open for pensioners at Cigno.

Can I get a loan on Centrelink?

Cigno enables Centrelink beneficiaries to access funds. We work with understanding lenders who are willing to provide payday loans to those on pensions or receive income through Centrelink, without regard to their bad credit or low income.

How much interest do you charge?

Cigno’s interests and fees may change based on the type of your loan, and it’s terms and conditions. Read here to get an estimate of how much your loan will cost.

What happens if I can’t pay on time?

You should contact us if you anticipate a default or even if it has failed, so we can change or postpone the payment. We won’t charge you a default interest rate, although we do charge fees according to the number of defaults on your account. We may increase or lessen the amount on your next payment to make sure payment clears.

If we cannot reach you through our collection practices, we may refer you to an external debt collector.

Check our Fee Table.

Hear from our Customers

  • No hidden costs! Totally upfront honest, quick and easy process. Thank you for saving my neck when I needed it. Be sure you can afford the fees and you’re sweet!
    June 2021
  • You guys are the best you have never let me down keep up the good work thanks again.
    June 2021
  • I have had nothing but great service from Cigno and I highly recommend them. The team are friendly and helpful . Thanks for being there Cigno. Will definitely use your service again
    June 2021
  • I was very pleased how easy it was to sign up and apply , money was paid into my account the same day only hours later. I would recommend to anyone needing fast cash loan
    June 2021
  • Customer service very good and friendly Cigno is very good and helpful. They are not like other loan they will pay to our bank in few hours. I am very happy to be your customer.
    June 2021