In need of cash now?

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Need some quick cash to help you get by between jobs?

Been turned away from every financial institution you approach because you do not meet their criteria?

Cigno can help!  Cigno will act as your agent to assist you to apply and get approved for a loan up to $1000 fast.  Cigno can help you obtain a successful outcome on your application even if you are unemployed and it will not hurt your credit file.

Get in contact with us now to find how we can help you.

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What is a loan for unemployed people?

Many banks and other lenders require employment as part of their qualifying criteria.  Cigno can act as your agent to help you apply for a loan of up to $1000 from a lender who does not require employment as part of its criteria.  Once approved, the loan funds typically will be in your account on the same day.

Small Loans for Unemployed People

When you’re out of work, a large loan won’t usually be suitable. It’s more likely that a small loan with manageable repayments is what will help you get by until you find a new job. Cigno can act as your agent to assist you to apply for small loans up to $1,000.

Loans for Unemployed People on Benefits

The big banks will not usually consider your benefit payments as a source of income, so they are less likely to approve you for a loan. However, there are many lenders that accept Centrelink payments as a source of income.  Cigno can act as your agent to assist you to apply for a loan from one of these lenders.  The lender will assess your bank statement to determine your income regardless of whether it comes from employment or Centrelink.  We will optimise your application to ensure the best chance of a positive outcome.

Loans for Unemployed People with Bad Credit

You might think being unemployed and having bad credit makes it impossible to get a loan, but that is not necessarily the case. Some lenders do not require a good credit history and lend to people who rely on Centrelink income. Cigno can act as your agent to assist you to apply for a loan from one of these lenders. We can assist you to apply for loans for unemployed people with bad credit by working with a lender who does not perform credit checks.

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.

Can’t make your repayments?

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.

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What do you need to apply for a loan?

If you choose to use Cigno, we will act as your agent to assist you to apply for a short-term loan.  Even if you are unemployed.  We optimise your application to ensure the best chance of success.

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 also read about these in advance on our Costs page.

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Apply for a Loan for Unemployed People Today

If you are in between jobs and need some money fast, Cigno can help.  Get in contact with us to find out how we can assist you to apply for a loan today!

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