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Pensioner Friendly Loans

Cigno believe everyone should have access to loans, no what your age or circumstances. We can act as your agent to assist you to apply for loans up to $1000.

The Requirements

Typically, we will only require your personal details such as your address and contact details and your recent 90-day bank statement.  If we need further information, 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.


When you make your application, we will provide you with all the relevant information regarding our fees and any lender costs.

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Types of Pension

Aged Pension

To be eligible for the aged pension, you need to be 66+, an Australia resident (for at least 10 years), and meet the income/asset tests.

Centrelink Pensions

Centrelink provides a range of welfare payments for retirees, unemployed people, people with disabilities, and more.

Disability Support Pension (DSP)

This financial aid is for people who cannot work due to permanent physical, psychiatric or intellectual conditions. You must meet certain medical and non-medical criteria to be eligible for DSP.

Why Choose Cigno?

High Approval Rate

Cigno optimises your application prior to submitting it to a lender to ensure the best chance of a successful outcome.

All applications considered

Cigno has obtained successful outcomes for customers in all circumstances whether you are unemployed, just need a short term loan until payday or have bad credit.

Fast and Easy Applications

Our online platform allows you to use our services 24/7 from anywhere.  It is quick, easy and convenient for all Australians.

Loans for Centrelink Pensioners

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

Loans for Pensioners with Bad Credit

If you receive a Centrelink pension and already have a poor credit score, you may have experienced judgment and rejection from banks when applying for a loan.

At Cigno, we believe in a fair go for everyone.  We can act as your agent to assist you to apply for a loan for pensioners with bad credit. So, if you are on the pension and you have bad credit, get in contact with Cigno today to find out how we can help you.

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Apply for a Pensioner Loan Now

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

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