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What is a payday loan?

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 and can’t wait until your next wages land in your bank account. For example, this type of short-term loan could help you cover untimely bills, medical costs and repairs.

Cigno Loans Offers Payday Loans for a Range of Circumstances

Cigno can help you find different types of payday loans to suit your specific situation. Whether you’ve got bills piling up or an accident has left you with costs you didn’t budget for, we’ll find a short-term finance solution that gets you through to your next payday.

From small, same-day loans to bad-credit loans, there are many types of payday loans – and we’re here to find the right one for you.

Payday Loans with No Credit Checks

Have you never borrowed money? Or is your credit history patchy? We can help you find online payday loans with no credit checks. This means you’ll pay slightly more on interest, but your loan approval won’t depend on your credit rating.

At Cigno, we won’t turn anyone away. We regularly facilitate payday loans with no credit checks for Centrelink customers, unemployed people, and people with poor credit ratings. You won’t find any judgement here – just a friendly expert to find a short-term loan for you.

Small Payday Loans

Sometimes a little extra cash is all you need to get through the week. That’s when small payday loans can come in handy.

After all, most payday loans are small amounts of money used to cover incidental and urgent expenses. They’re not suitable for larger purchases.

Our team can help you find small payday loans online today.

Payday Loans for Unemployed People

Time spent between jobs can be financially challenging. Life expenses won’t wait for you to find your next role, but banks might be reluctant to lend to you.

The team at Cigno specialises in organising payday loans for unemployed people, so you can stay on your financial feet.

Sometimes a bit of extra cash is all you need to get by until that job offer comes along. If this describes your situation, talk to us now about getting payday loans online while unemployed.

Payday Loans with Bad Credit

We can also help you apply for online payday loans with bad credit. This means your credit rating is taken into account, but it’s not held against you.

If you’re looking for small payday loans with bad credit, it’s important to keep your applications and rejections to a minimum. As lenders can see recent applications, this can quickly spiral into a situation where no lender will consider you. Our expert team will do everything they can to get you approved sooner with fewer applications.

Same-Day Payday Loans

If you’re searching for quick payday loans, chances are you can’t afford to wait days for the money to arrive. With Cigno, you can get approved for payday loans online the same day as you apply in most cases. If your loan is approved before 5pm AEST, you’ll get your funds on the same day.

Same-day payday loans give you the convenience of super-quick cash, so you can eliminate those stressful expenses or debts sooner rather than later.

Speak to us today so we can arrange a fast payday loan for you.

Payday Loans for Centrelink Customers

Have banks turned you away because they don’t consider your Centrelink payments to be income? It happens all the time. Getting a payday loan approved while on Centrelink can be frustrating.

But it’s not impossible. We can connect you with a lender who offers payday loans for Centrelink customers.

Why You Might Need a Payday Loan

There are many reasons you may need a payday loan. Perhaps a power bill is due sooner than expected or an accident has left you with medical or repair costs.

Whatever your situation, we won’t pry. All we need to know is how much money you need – not what you need it for.


How to Get a Payday Loan

With Cigno, you can get up to $1,000 paid directly into your account. Simply complete the easy online application, select your repayments option, and get approved (we have a great approval rate).

Our experts will assess your needs, income and expenses to help you apply for a loan that matches your circumstances.

Apply for Payday Loans Online

When you apply for a payday loan online, you get to skip all the time-wasting you’d usually experience in person or on the phone:

  • No waiting in a queue
  • No waiting on hold
  • No waiting days for approval
  • No waiting days or even weeks for the money.

Getting payday loans online is the fastest way to borrow a small amount of money. Apply with us today to access our wide range of online payday loan lenders.


Payday Loan Repayments

We’ll make sure your repayments line up with your payday(s) and capacity. You’ll receive notifications when repayments are due to happen, and we can organise automatic deposits for your convenience.

If you can’t make a repayment when required, just talk to our support team about your options.


Get Approval for a Payday Loan Today


While we can’t offer payday loans with guaranteed approval, we do have a high approval rate and we welcome all applicants.

To get payday loans with fast approval, we recommend having your essential information ready for us. This includes:

  • Some personal details
  • Bank statements.


Our easy-approval payday loans come with some fees, all of which will be clearly communicated to you prior to the agreement. You can learn about the costs here.