How much can I borrow?

$100| $200| $300| $400| $500| $600| $700| $800| $900| $1000|

What is a Centrelink loan?

A Centrelink loan is an amount of money lent to someone who has a low income and is receiving Centrelink payments. While some banks don’t consider Centrelink payments as income and therefore won’t approve a loan application, other institutes are willing to provide loans for people on Centrelink.

Cigno works with various lenders who offer online loans for Centrelink customers and people with bad credit ratings. We understand that finances can be challenging when you’re living week to week – sometimes a small cash loan can make a very helpful difference.

With our speedy online application process, you can apply for up to $1,000 in just minutes and receive the money within hours. We have a high approval rate, because many of our lenders believe in second chances and are willing to lend Centrelink loans. All our costs are upfront and completely transparent (no hidden fees).

Centrelink Loans for All Types of Circumstances

There’s a wide range of reasons you might be looking for online loans for Centrelink customers. Perhaps a power bill is higher than you budgeted, or maybe a car accident has left you with urgent medical and/or repair costs.

Whatever your circumstances, Cigno can help. Our specialists are skilled at finding loans for people on Centrelink, allowing you to pay off your emergency expenses and get on with life. Apply today or contact us to discuss Centrelink loans.

Centrelink Loans with No Credit Check

Getting a loan while on Centrelink can be tricky – especially if your credit history doesn’t have much to say in your favour. Centrelink loans with no credit check could be the answer you’re looking for.

With Cigno, people on Centrelink can get approved for loans with no credit check. This is because we only need your most recent bank statement to assess your situation. And unlike some banks, we do consider your payments as a source of income.

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

Payday Loans for Centrelink Customers

If you’re on Centrelink and need an advance payment, we can assist you. Our team can arrange a short-term financial solution where the repayments align with your Centrelink payments (effectively making them payday loans for Centrelink customers).

Contact us today to learn more about applying for payday loans on Centrelink.

Bad Credit Centrelink Loans

Being on Centrelink and having a poor credit rating can be a recipe for rejection – but not necessarily with Cigno Loans. Our judgement-free application helps you access bad-credit Centrelink loans for getting back on your feet.

The experienced Cigno team is skilled in finding loans for Centrelink customers with bad credit. We welcome all applicants, and we have a high approval rate. So if you need cash loans with bad credit while on Centrelink, let us help you today.

Online Loans for Centrelink Customers

Searching for Centrelink loans online? Look no further. We’re highly experienced in finding online loans for Centrelink customers. Applying online means skipping the annoying bank queue, completing your application anytime and from anywhere, and getting a fast response.

Apply with Cigno today to discover the online Centrelink loans available to you.

Apply for a Centrelink Loan Today


When you apply for a Centrelink loan, you can look forward to a speedy response and money transfer. Our Centrelink loan application is quick to complete and has a high approval rate.

We’ll ask you for:

  • Some personal details
  • Bank statements.

And that’s all there is to it. You’ll hear back from us when your Centrelink loan’s approved.


We’ll share all the relevant costs with you upfront when you apply for a Centrelink loan with us. You can also read about fees on our Costs page.

Centrelink Loan FAQs

Why might I need a loan while on Centrelink?

Life doesn’t stop while you’re 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’re on Centrelink and need a loan, apply online with Cigno today. We give everyone a fair go.

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 for a Centrelink advance payment whenever you need.

Several other Centrelink schemes are eligible as well, but you’ll need to have been receiving them for 3 months or more before you can apply for an advance. These include JobSeeker, Parenting Payment, Age Pension, and Youth Allowance for job seekers.

You generally won’t be able to apply for a Centrelink advance if you’ve already received one in the past year or if you’re still paying back a previous advance.

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.

Keep in mind that a Centrelink advance isn’t the only option when you need urgent money. With Cigno, you can generally apply for an unsecured cash loan between $50 and $1,000. The specific amount you’re able to borrow can vary depending on:

  • Your requirements
  • Your expenses
  • Your income
  • Your financial circumstances and commitments
  • Your suitability for a loan.

Centrelink Loan Repayments

We’ll help you repay your loan as much as we can. Based on your preferences and situation, we can:

  • Match your repayments to your pay cycle
  • Arrange repayments that fit within your financial capacity
  • Notify you on payday as a reminder
  • Direct debit your repayment on payday
  • Tell you about all costs in advance (no hidden fees).

You can immediately apply for another loan once your current debt with Cigno is repaid. This gives you ongoing access to our services whenever you need them.

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.

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, you can apply for up to $1,000 via the Cigno platform and we will do our best to facilitate your need depending on what type of Centrelink payment you receive.