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Whenever you take out a loan of any kind, lenders tend to run what is known as a credit check. This allows lenders to assess whether or not a borrower is suited to a loan – and, unfortunately, many traditional lenders will not lend money to individuals with bad credit. They may go so far as to not lend money to someone with no line of credit!

Thankfully, no credit loans exist to provide loans without credit check for those who may have fallen on hard times in the past, or for those who are still in the process of building a credit history. Lenders that offer loans for bad credit ratings understand that a person’s financial history should not always be held against them. Past mistakes are not necessarily a fair representation of an individual’s current ability to repay debts, either.

At Cigno, we provide no credit check loans of up to $1,000. Find out more about our loans, or apply online 24/7.

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What does it mean to have bad credit?

A bad credit history is typically the result of defaults on loans. A default is when an outstanding bill has not been paid within 60 days. Defaults that have since been paid can impact your credit rating (not just defaults that remain unpaid).

Too many lender enquiries can damage your credit profile further, which is why a few loan applications getting rejected can spiral out of control. Some banks will not even consider lending you money if you have a certain number of recent credit enquiries.

At Cigno, we believe everyone deserves a second chance.  We will act as your agent to lodge applications with lenders who consider your credit history as history and will not damage your credit further.

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How Do No Credit Check Loans Work?

You may wonder, if a lender isn’t checking your credit score, what are they checking? And are they legitimate?

Loans without credit checks usually rely on the borrower’s other assets, including income, employment status and existing debts to determine whether they can successfully repay the loan. Aside from this, no credit loans work exactly the same as any other personal loan: you will have repayments to make and fees to pay, and you can use the funds however you like.

Types of Bad Credit Loans

When you need cash now, bad credit should not get in your way.

Bad Credit Loans with No Credit Check

The most common reason for needing no credit check loans is a bad credit history. Your credit history can be tarnished by a wide range of incidents including overdue bills, missing repayments on other loans, declaring bankruptcy, and more.

We believe such things should not preclude you from borrowing money and you should not be bogged down by your past mistakes. At Cigno, we give everyone a fair go.

Small Personal Loans for Bad Credit

When you need small cash loans, bad credit can cause issues.

It can be frustrating to have banks turn you away instantly when you just need to borrow a few hundred dollars. And repeated applications and rejections can further damage your credit history, making it even more difficult to access small loans for bad credit.

When comparing small loans for bad credit online, you may need to avoid institutions that typically conduct credit history checks. At Cigno, our financial experts are skilled at finding small loans for people with bad credit, which is why our approval rate is so high.

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Bad Credit Loans While on Centrelink

Worried that you will be excluded from cash loans due to bad credit and Centrelink payments? Don’t lose hope – we might be able to help.

We act as your agent to lodge applications with lenders who assist customers on Centrelink with bad credit, helping them cover emergency expenses between payments.

When you are unemployed, retired or dealing with a disability, expenses can often creep up on you at the worst times. Bad-credit loans for Centrelink customers can help you cover costs that cannot wait until your next payment comes in.

Bad Credit Loan Repayments

It is important repayments as predictable and painless as possible.  As your agent, we can assist by:

  • Aligning your repayments with your pay cycle
  • Matching repayments to your financial capacity
  • Sending a repayment reminder on payday
  • Organising a direct debit from your account on payday
  • Keeping you informed of any additional costs (we have no hidden fees or agendas).

As long as you continue to repay any loans that you are granted, you will always be able to use our services to apply for loans in the future. We will keep your information on our secure system so that any future application is as quick and as easy as possible.

Apply for a Bad Credit Loan Today

Ready to get some financial relief. Talk to us at Cigno today and find out how you can be free from immediate bills and expenses.


When you have bad credit, you can still use our service to apply judgement free.  We require the same information as we do for every applicant.

Typically, we will only require your personal details such as your address and contact details and your recent 90 day bank statement.  If on the rare occasion we need further information is required, we will let know and work with you to get the application submitted as quickly as possible.  We only ask for the information we need, and we keep all your data safe and secure.

We strive to offer a service that makes applying for a loan with bad credit as quick and as easy as possible.


When you make your application with bad credit, we will provide you with all the relevant information regarding our fees and any lender costs.  You can also read about these in advance on our Costs page.

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Bad Credit FAQs

How do I check my credit rating?

There are several websites that can provide your credit file within minutes. These include FinderGetCreditScoreCredit SimpleWisrCredit, and Credit Savvy.  Most providers will give you file for free and offer additional premium products for a cost.  You are under no obligation to purchase premium products to get a copy of your credit file.

How do you get a bad credit rating?

The key events that can negatively impact your credit rating are:

  • Overdue payments with utility providers (e.g. unpaid electricity or internet bills), defaulted loans, and late repayments with credit card companies
  • Prior debts that have escalated to a third-party debt collector or have been “charged off” (i.e. the lender has given up on getting the money back)
  • Filing for bankruptcy.

How can I get a short-term loan with bad credit?

Cigno can help you today!  We act as your agent to assist you in applying for a competitively priced short-term loan up to $1000 that suits your needs regardless of your credit history.

Can I get a loan without a credit check?

Yes. Some lenders will consider your application without conducting a credit history check.

Can I refinance a loan with bad credit?

It is possible, but it may be difficult to refinance to a loan with a lower interest rate than your current loan. This is because bad credit loans typically come with a higher interest rate to account for the higher risk.

I am on Centrelink. Can I still apply for a bad credit loan?

Yes. Some lenders consider Centrelink payments to be a source of income, which means they are more likely to approve your application.

I’m self-employed. Can I still apply for a bad credit loan?

Yes. Typically, lenders will need to verify your income using recent bank statements. This means your income as a self-employed person will be considered.

I have been declared bankrupt. Can I still apply for a bad credit loan?

Yes.  Some lenders consider applications from customers who are either currently bankrupt or have been recently discharged from bankruptcy.  If you are bankrupt, you need to inform the credit provider of your bankruptcy if apply for credit over a set amount. This may result in higher costs or reduce your eligibility for some loans.


If this is your situation, Cigno can help.  We act as your agent to assist you in applying for a competitively priced short-term loan up to $1000 that suits your needs regardless of your credit history.