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What is a Centrelink loan?

A Centrelink loan is a loan granted to customers whose main source of income comes from Centrelink and therefore has a relatively low income.

While some banks and lenders do not consider applications where the applicant’s main source of income is Centrelink there are some lenders that are happy to lend to customers who are on Centrelink.

If this sounds like you, Cigno can act as your agent to assist you to apply for a loan of up to $1000, even if your main source of income is Centrelink.  We optimise your application to ensure the best likelihood of success.  With our speedy online process, you can apply in just minutes, get approved and receive the money within hours.

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Centrelink Loans for All Types of Circumstances

Whether a power bill is higher than you budgeted or a car accident has left you with urgent medical or repair costs or whatever your circumstances, Cigno can act as your agent to assist you apply for and be approved for a loan, even when you are on Centrelink.

Get in contact with us today to find out how we can help you apply for a Centrelink loan.

Centrelink Loans with No Credit Check

Getting a loan while on Centrelink can be tricky.  Depending on your circumstances, a No Credit Check loan may be the best option to be successful in your application.

Cigno can act as your agent to assist you to lodge an application with a lender who does not require a credit check.  We typically will only require some personal information and your most recent bank statement to get started.

If you need a cash loan with no credit check while on Centrelink, contact us or apply now.

Bad Credit Centrelink Loans

Being on Centrelink and having a poor credit rating can be a recipe for rejection.  Not with Cigno.  We can act as your agent to assist you to apply for a loan regardless of your credit history.

We optimise your application to maximise the chances of obtaining a successful outcome before submitting the application to the lender.

So, if you need a cash loans with bad credit while on Centrelink, let us help you today.

Payday Loans for Centrelink Customers

If you are on Centrelink and need a fast, short-term ‘payday’ loan, Cigno can help.  We can act as your agent to assist you to lodge an application that is optimised to ensure the best chance of a successful outcome.

Contact us today to learn more about how we can help you to apply for payday loans on Centrelink.

Online Loans for Centrelink Customers

Searching for Centrelink loans online? Look no further. We can act as your agent to assist you to apply for a loan of up to $1000 even if your main source of income is Centrelink.

Engaging Cigno means skipping the annoying bank queue, applying from anywhere at any time, and getting a fast response.

Get in contact with Cigno today to find out how we can help you.

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Are there any requirements?

When you apply for a Centrelink loan, you can look forward to a speedy outcome and fast transfers.

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.

Are there any fees involved?

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

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Centrelink Loan FAQs

Why might I need a loan while on Centrelink?

Life does not stop while you are studying, unemployed, or retired. There are a wide range of unexpected expenses that might pop up between your Centrelink payments. These could include:

  • Phone, electricity, and internet bills
  • Unforeseen repairs for your house or vehicle
  • Medical expenses
  • Other fees.

If you are on Centrelink and need a loan, Cigno can assist.  Get in contact with us today to find how we can help.

Can I get an urgent payment from Centrelink?

If you receive an eligible payment (e.g. ABSTUDY, Austudy, or Youth Allowance for students), you can apply to Centrelink for a Centrelink advance payment whenever you need.  This is a government program administered by Centrelink and has strict requirements.

There are several other government schemes that you may be eligible for.  These include JobSeeker, Parenting Payment, Age Pension, and Youth Allowance.

You generally will not be able to apply for a second Centrelink advance if you have already received one in the past year or if you are still paying back a previous advance.

If you think you are eligible for a Centrelink Advance or another government program, we suggest you get in contact with Centrelink directly to discuss your eligibility.

Please feel free to get in contact with Cigno to discuss how we can assist you to apply for a loan from a private lender.

How much can you borrow from Centrelink?

The minimum and maximum varies depending on the type of Centrelink payment you usually receive. Most people (including those on ABSTUDY, Austudy, JobSeeker, Parenting Payment and Youth Allowance) can apply for an advance payment between $250 and $500.

If you think you are eligible for a Centrelink Advance, we suggest you get in contact with Centrelink directly to discuss how much you are eligible for.

Keep in mind that a Centrelink advance is not the only option when you need urgent money.  Whether or not Centrelink is able to help, Cigno can!  We act as your agent to assist you to apply for a suitable loan up to $1000.  We will optimise your application to ensure the best chance for a successful outcome.

How often can you get an advance payment from Centrelink?

When you get an advance payment from Centrelink, you’ll need to wait 12 months before applying again. You’ll also need to pay back the advance before applying for another. You can get more information about Centrelink advance payments here.

Centrelink Loan Repayments

As part of the application process, you will have the opportunity to choose a repayment schedule that is affordable and corresponds with your payday.  It is important that you choose the repayment schedule that you can afford while still being able to pay your ongoing everyday expenses.  If not, then you should consider other options.

If during your loan, you cannot make a repayment when required, just let us know.  We as your agent will arrange a new affordable payment schedule.

Once you have repaid your loan, Cigno can assist you to apply for future loans whenever you need them.

Can Centrelink check your bank account?

Centrelink cannot access your bank account directly, which is why it’s important to keep them up to date with any significant changes to your financial circumstances (e.g. new income).

How long does a Centrelink urgent payment take?

Once approved, you will usually receive your payment within a couple of business days.

How do I get a $1,000 loan from Centrelink?

Unfortunately, most Centrelink advance payments are capped at a maximum of $500. Exceptions to this include the Family Tax Benefit, where you can apply for up to $1,131.10. People on the Age Pension, Disability Support Pension or Carer Payment can get an advance of up to $1,339.20 (for singles) or $1,009.50 (for members of a couple). Either way, you can start your application here.

Alternatively, Cigno can help you by acting as your agent to assist you to apply for a loan of up to $1,000.  We will optimise your application to ensure that the best outcome received.

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Hear from our customers

  • 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.
    June 2022
  • Cigno loans, are the real deal, they understand about us living on the other side, that, we are all struggling in a different ways, that, we all are not equal, they don’t pay attention to your past mistakes, they understands, and give us all a fair go. Just wanted to say, I appreciate every little help, because, You never know how much that little help matters, tills you don’t have it’s at all, and everyone, every other lenders that you think will help when you most need it’s, says no.
    June 2022
  • 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
    June 2022
  • This company is a fantastic company. Even though I went through a bad patch and couldn't afford any repayments, they adjusted a payment plan and it was completely affordable. No harrassment, no bad calls just help when it was needed. Massive thanks to cigno
    June 2022
  • Prompt response to enquiry. Upfront with everything - no hidden or unexpected costs/fees/chargers. For a 'same-day' unsecured loan, the rate is very competitive. The staff are very understanding to individual needs. I will definately approach CIGNO again in the future when another emergency arises.
    June 2022
  • Cigno loans have always been reliable and easy to access when in need. They have provided a quick service (money in the account within hours once granted) with clear and concise information regarding the loan terms. The fees are fair considering they are a short term loan provider when many others would not lend. Never had an issue with communications between the company and myself. I highly recommend when service is needed.
    June 2022