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Payday Not Covering The Bills?

Whether you are a student, working part time or on Centrelink, if you find yourself short on cash and in need of a quick cash loan, Cigno can help!

We can act as your agent to assist you to apply for a loan from a lender who loans to customers on a low income.  Cigno optimises your application prior to submitting it to a lender to ensure the best chance of a successful outcome for you.

Once approved, our customers typically received the loan cleared into their accounts on the very same day.

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Loan for Students

Loans for students are available to Australian citizens and permanent humanitarian visa holders.

If this is you, Cigno can act as your agent to assist you to apply for a quick cash loan to help you out with tuition fees, student services, amenities fees, overseas study expenses, stationery and textbooks, and more.

Centrelink Loans

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.

Small Loans

Even a small loan can go a long way. From single-income households to emerging entrepreneurs, a little extra cash can be the steppingstone towards a brighter financial future.

Cigno can act as your agent to assist you to apply for a small loan. Rather than waiting for a bank, we will assist you to lodge an application to a lender that is optimised to give you the best chance of a successful outcome.

Loans for Pensioners

Some financial institutions do not consider Centrelink payments as a source of income and therefore won’t seriously consider your application.  If you are on a pension, it can be frustrating to find a lender who is willing to help.

Cigno can act as your agent to assist you to apply for a loan from a lender who does offer Centrelink pensioner loans.  We optimise your application prior to submitting it to the lender to ensure the best chance of success.

How much can I borrow?

Cigno can act as your agent to assist you to apply for loans up to $1000.  To find out we work, click here.

Are there any requirements?

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 as quick and as easy as possible.

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 also read about these in advance on our Costs page.

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Apply for a Low-Income Loan Now

When you engage Cigno, we make it quick and simple to apply for a loan. Even if you are Low-Income!

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.
    productreview
    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.
    trustpilot
    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
    productreview
    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
    trustpilot
    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.
    productreview
    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.
    trustpilot
    June 2022