General Questions

Cigno are specialists in facilitating and managing short term Cash advances up to $1000. Unexpected Bills? Short on cash this month or in need of a short term financial boost? We’re here to help! Our focus is to provide a quick, easy and quality service of loan management and enable every Australian access to a short term financial solution. We believe in giving everyone a fair go and will do our best to assist our customers in every situation by considering all applications. Our quick, easy and non-invasive application process provides customers with a user experience second to none.

We always encourage our customers to only borrow when they need to, and to always borrow what they need and can afford to repay.

No, Cigno acts as an agent to help you obtain a loan from Lenders. Currently, our choice lender is Gold Silver Standard Finance Pty Ltd.

No, if you do not want to use Cigno’s services simply select option 1 on your loan application and you will be referred directly to Gold-Silver Standard Finance.

We do not receive any commissions or payments for referring you, we think it’s important that you have the right to choose for yourself.

Cigno runs a 24/7 online operations! Apply anytime, even on weekends and get a response! If you wish to call our office, our phone lines are open Monday to Sunday between 9.00am and 5.00pm. All times are Australian Eastern Standard Time (AEST)
Please note that Public Holidays may affect the phone lines opening times.

Contact us via any of the following:

Phone – (07) 5644 3500
Fax – 1300 66 14 15
Email – info@cignoloans.com.au

The cash loans that Cigno helps you to apply for are designed to be a short term solution. You should only ever borrow as little as you need and look to pay it back as quickly as you can. The maximum term of our advances is 62 days and the first repayment must be within 20 days of the advance being taken.

Loans from Gold-Silver Standard Finance cost a flat fee equating, one-off non-interest charge equal to 5% of the loan amount under its loan agreement with you. The fee is charged on the day that you take the loan and is payable as part of your repayment schedule.

Extra fees and charges are applicable if you choose to use Cigno’s services.

Here at Cigno we understand that sometimes unexpected things happen and therefore we do not charge a default interest rate or place a listing on your credit file.

However, it is important that you contact us prior to a payment failing to change or postpone the payment – even if the payment has already failed. Remember we are here to help not make things worse so get in touch.

We do charge fees which are determined by the number of defaults associated with a particular account and also the collection procedures required. We may attempt a lessor or greater amount on the subsequent payment to ensure payment clears.

If we do not receive contact or are unable to contact you via our collection practices, you may be referred to an external debt collector. Click here to view our Fee Table.

Once approved if you choose to utilise our same day deposit service you could have the funds in your account within hours. If you choose our cheaper option you will receive the cash advance by 11am (AEST) the next day.

If you choose to use Cigno’s services, we can help you with cash advances up to $1000 which are determined by your income and ability to afford the repayments. This information is gathered using your bank statement.

Once you are an existing customer it gets easier as long as your circumstances don’t change and if you maintain a good payment history, we may be able to increase your maximum loan amount.

We review and consider all applications made and endeavor to help where we can.

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

We do not keep your internet banking credentials. 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.

At Cigno you can apply either online via our quick application or if you would rather talk to someone you can give us a call on (07) 5644 3500.

Qualifying for a Payday Advance is simple! All we require is our quick application which tells us who you are and the best way to contact you. We also need a bank statement that demonstrates a regular income and that you are able to afford to repay the loan and service fees.

Cigno is a responsible lender and may ask you for other personal Identification to ensure that you qualify, this may include Passport Number, Drivers Licence, Proof of Age card, Birth certificate etc.

Note: Bank Accounts must be in your name and cannot be for Online Savings accounts or online only accounts.

Get back to the important things in life, Our Fast application takes only a few minutes to complete.

Once your application is received we will process and let you know within hours whether you have been approved. All applications received and approved before 2.40pm can receive funds the same day depending on the service you choose!

Applications over the phone may take a little bit longer but are still a very easy process.

Simply click here to use our Member Portal and access your own personalised platform to manage and apply for any of our services. You simply access with the username and password you created the first time you applied.

All existing customer applications made while a loan is still active are assessed on a case by case basis. We always try our best to help our customers.

Apply anywhere, anytime with Cigno! We offer a 24/7 online platform which enables you to apply and receive cash via transfer over the weekend* when you need it.

*For more information about Cigno’s weekend cash loans as well as public holiday cash loans, please see our Disclosures and Authorisations.

It is important that we have up to date contact information for all our customers. You can update contact information via our customer portal or call us and we can assist over the phone.

Direct debit payments generally take two working days to clear into our account.

Yes, it’s all part of our service!

Every time you borrow using Cigno as your helper, you will be emailed with your repayment dates. We also send an SMS reminder two working days before payment is due.

Don’t forget that it is still your responsibility to remember when your payments are due.

Yes you can!

Any changes can be requested via the existing customer portal or over the phone. The latest a change can be made is by close of business on the day before the payment is due.

Unfortunately, we cannot stop a payment the day it’s due, as they are all sent to the banks for processing by our third party direct debit provider early morning on the day.

Once the payment has been up loaded for processing there is nothing we can do to stop it from being attempted.

Daily, Cigno will process any outstanding refunds. When a refund is approved to be processed, you can expect a return of your funds to your nominated account on file within 72 hours.

If your payment fails, or if you think it might, it is very important to contact us to prevent or minimise dishonour fees. We understand that unpredictable things come up and are here to help. We can only assist if we hear from you.

Our preferred method of payment is via Direct Debit. This way we eliminate the hassle of manual payments and we’re able to remind our customers when payment is due.

Depending on circumstance we are able to acept other forms of payment Via direct deposit or electronic transfer, Money Order or Debit Card (Additional fees apply).

We will do our best to get you your cash to your account when you need it most. This will also apply for Public Holidays*. Cigno does offer its same day cash funding all throughout the year, including Public Holidays.

*Please note this will be subject to your banking institute. For more information, please see our Disclosures and Authorisations.

1st Time Borrower

At Cigno you can apply either online via our quick application or if you would rather talk to someone you can give us a call on (07) 5644 3500.

Qualifying for a Payday Advance is simple! All we require is our quick application which tells us who you are and the best way to contact you. We also need a bank statement that demonstrates a regular income and that you are able to afford to repay the loan and service fees.

Cigno is a responsible lender and may ask you for other personal Identification to ensure that you qualify, this may include Passport Number, Drivers Licence, Proof of Age card, Birth certificate etc.

Note: Bank Accounts must be in your name and cannot be for Online Savings accounts or online only accounts.

Get back to the important things in life, Our Fast application takes only a few minutes to complete.

Once your application is received we will process and let you know within hours whether you have been approved. All applications received and approved before 2.40pm can receive funds the same day depending on the service you choose!

Applications over the phone may take a little bit longer but are still a very easy process.

Repeat Customers

Simply click here to use our Member Portal and access your own personalised platform to manage and apply for any of our services. You simply access with the username and password you created the first time you applied.

All existing customer applications made while a loan is still active are assessed on a case by case basis. We always try our best to help our customers.

It is important that we have up to date contact information for all our customers. You can update contact information via our customer portal or call us and we can assist over the phone.

Payment

Direct debit payments generally take two working days to clear into our account.

Yes, it’s all part of our service!

Every time you borrow using Cigno as your helper, you will be emailed with your repayment dates. We also send an SMS reminder two working days before payment is due.

Don’t forget that it is still your responsibility to remember when your payments are due.

Yes you can!

Any changes can be requested via the existing customer portal or over the phone. The latest a change can be made is by close of business on the day before the payment is due.

Unfortunately, we cannot stop a payment the day it’s due, as they are all sent to the banks for processing by our third party direct debit provider early morning on the day.

Once the payment has been up loaded for processing there is nothing we can do to stop it from being attempted.

If your payment fails, or if you think it might, it is very important to contact us to prevent or minimise dishonour fees. We understand that unpredictable things come up and are here to help. We can only assist if we hear from you.

Our preferred method of payment is via Direct Debit. This way we eliminate the hassle of manual payments and we’re able to remind our customers when payment is due.

Depending on circumstance we are able to acept other forms of payment Via direct deposit or electronic transfer, Money Order or Debit Card (Additional fees apply).

If you have any other questions now or in the future please contact us. We look forward to hearing from you.