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.
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.
Simply fill out our enquiry form. Through our partner we will distribute your enquiry to a panel of providers who may be able to help you with a Payday 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.
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, Terms and Conditions and this Financial Risk Disclaimer.
Cigno is a business name of FTA Data Solutions Pty Ltd ABN 95 670 814 221.
FTA Data Solutions Pty Ltd 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. When you complete the Information Form, you are not applying for credit or any other particular goods and services. The completion of our Information Form also does not guarantee that you will be provided with credit or any other goods and services through our network.
Depending on the information you provide to us in the Information Form, we endeavour to assist you by providing your information to our intermediary partners. Where we provide your information to our intermediary partners, we may receive a fee.
If the information you provided to our intermediary partners meets their requirements, they may connect you with a credit provider, goods and/or services provider and/or specific products to meet your their needs (depending on the information your input into the Information Form).
Any application you ultimately make through a particular credit provider or goods and/or services provider is subject to that provider’s eligibility criteria and terms and conditions. The loan, credit, product or service may not be available to every person. We do not endorse or recommend any particular provider, product or service that you be connected with or offered. All statement on this website are general in nature and do not constitute financial, credit or legal advice (or any other advice).
SMS: 0429 213 774
Email: [email protected]
Post: PO Box 1810, Southport BC, QLD 4215
ABN: 95 670 814 221
In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.
The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.
With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:
Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.
The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.
Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.
You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.
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