Do you have a bad credit history? Do you have no credit history? (For example, young people haven’t had the time to establish a credit record.) Do you need emergency funding (for a car repair or medical expenses, for example)? Do you need to move ahead without your credit history holding you back? Do you want to deal with people who understand you and don’t judge you?

If so, we can help you to apply for a fast No Credit Loan designed for you.

How much can I borrow?

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

How we can help?

Take a moment to consider your options.

We understand what creates a bad credit history and we’ll work hard to help you apply for a a loan that suits your needs.

You can use your loan for almost any purpose: car repairs, medical expenses, bills–and more.

We can help you apply for short term loans with a qualifying process that won’t affect your credit history.

None of the following will disqualify you from funding:

  • Your past credit history, even if it includes bankruptcy
  • A high balance due on your credit accounts or personal loans
  • Bank repossessions.


You deserve a second chance. Everyone does.

A small default should not ruin your entire credit record.

To apply for a No Credit Loan, all we need is your personal details and a bank statement.

Once approved, you may be able to get the funds you need on the same day.

Because it’s hard for you to get a loan from a bank or other financial institution, a No Credit Loan may also help improve your credit profile.

Receiving a No Credit Loan

We’re more understanding than banks.

We welcome customers with a bad credit history.

The loans that we can help you with may help improve your credit record.

To complete our simple online application form, click Apply.

To talk with someone who understands your needs, ring 1300 88 23 24

The sooner you contact us, the sooner we can help you.

What do we require from you?

To help you apply for a loan we need:

  • Your personal details and,
  • A bank statement


Gathering this information can be time consuming for you so we use safe, secure technology to help you.


We’ll access your information only with your permission and with our highest security.

Over time, your payment history will improve and over time you may be able to borrow more money when you need it.

Repaying your loan

We set things up so you can make repayments in step with your pay cycle.

We’ll match repayments with your capacity to repay.

We’ll send you a repayment reminder before and on Payday.

On Payday we’ll set up direct debits to your account.

If you think you can’t make a repayment on Payday, contact our Support Team.

Our job is to help you in advance to make your repayments predictable and painless.

If a repayment is late, you may need to pay additional fees but we tell you about this upfront.

Remember: You can apply for another loan as soon as you pay off your current loan.

After we’ve helped you once, applying for another loan is fast and easy because your information is already on file. Just re-apply online or call us.

Over time, your payment history will improve and over time you may be able to borrow more money when you need it.

More about No Credit Loans

You can find yourself without a substantial credit history for many reasons:

  • No need to borrow money until recently
  • Paying with cash instead of credit
  • Creditors who fail to report your financial history
  • Accounts that have been inactive for a long time

Whatever the reason, a no credit or bad credit history can make it difficult to get a loan.

Our advice to you is…don’t take the first loan available to you!

Take the time and consider your options.

Taking out a loan is a serious commitment. At all costs, avoid a loan that may not work for you. Your financial needs are unique. We understand this.

Take the time and compare different lenders.


  • Loan amounts
  • Rates and terms for the loans
  • Repayment schedules available.


After comparing your options, we’re sure you’ll choose us.

We’ll help you to apply for the right loan to suit your needs.

We can do this because we accept applications from people with no credit history or a bad credit history.

We’re prepared to work hard to understand your situation.

We understand that people’s needs are different and require different loans.

Our repayment options are designed to suit different situations.

We help you create a plan that matches your needs and your schedule.


If you choose to use Cigno’s service there are other fees and charges applicable for the service.

You can refer to our costs page to see how much the Cigno service may cost you, click here.

Take the step today by simply completing our online application form. Click here to apply!