Payday Loans

A payday loan is a short term loan to cover you when you are caught short before payday. It could be used for paying off emergency expenses such as a car repair, important purchases, or utility bills. A payday loan can facilitate access to funds but make sure you get the right one for your needs.

The online application makes the process fast and simple. Hence, fast turnaround time and approval for borrowers with urgent needs. Expect notifications in no time since it’s an online process.

Payday loans offer a quick and convenient way to acquire cash. Once approved, the lender will electronically transfer the funds, which can amount up to $1000, to the borrower’s account.

 

Obtaining your loan

Unexpected bills arise all the time, and sometimes you can easily find yourself short of cash to cover them before Payday. We are here to help.

You can get up to $1000 paid directly into your account.

  • No charge, quick and easy online application
  • You can select your repayments.
  • No fuss, fast approval process.
  • Need it fast? Get same day funding for loans approved before 5p.m. (subject to your bank)
  • No need to worry about bad credit. All applicants are considered and we have a high approval rate.

We assess your needs, income and expenses to assist you to apply for a loan that is tailored to suit your needs.

For peace of mind, contact us today.

To complete our easy online application form, click Apply.

Details We Will Need

In order to process and approve your loan we will require:

  • Your personal details
  • A recent bank statement

Our safe technology is here to help you gather this information in an efficient and secure manner.

Your information is accessed strictly with your permission only, using our highest security.

For multiple bank accounts receiving income, you must provide 90 days of statements for each account.

Credit history

Our customer base varies from employed to those on Centrelink payments, who have a steady income, and can afford their repayments. We ordinarily do not perform credit checks.

Our clients are approved based on an assessment of their bank statement.

We help our clients apply for Payday loans up to $1000 with our average loan being repaid over 4 to 8 weeks.

Occasionally we may require more information for first time clients, however once we have your information this process become significantly quicker.

All we need to get started is a copy of your bank statement, displaying your income and ability to meet repayments. It also ensures we have the correct details to deposit the cash into your account.

For multiple bank account receiving income, it is essential to provide 90 days of statements for each account.

The sooner you contact us, the sooner we can help you.

Fees

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!

Repayments

Setting your repayments is simple.

Compared with other loans, we can help you to apply for small short term loans, which can generally be repaid over a shorter time period.

The majority of the loans that we can help you with are typically repaid over 4 to 8 weeks.

Repayments are set on an individual basis to occur in time with your pay cycle, and at a rate which is compatible with your income and capacity.

We keep you well informed every step of the way through regular reminders on the days your repayments are set to be debited from your account. If for any reason you believe the payment can’t be met on your Payday, contact our friendly support team.

Our aim is to help your budgeting by making your repayments predictable and effortless.

We value our returning customers, and aim to make your returning experience even easier, by securely retaining your previous information.

Just use the customer portal.