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What is a payday loan?

A payday loan is a small amount of money used to cover urgent expenses and then repaid on your next payday. Getting a loan before payday enables you to pay for things that arise unexpectedly and can’t wait until your next wages land in your bank account. For example, this type of short-term loan could help you cover untimely bills, medical costs and repairs.

Payday Loans for a Range of Circumstances

There are many reasons you may need a payday loan. Whatever your situation, we won’t pry. All we need to know is how much money you need – not what you need it for.

Cigno can help you find different types of payday loans to suit your specific situation. Whether you’ve got bills piling up or an accident has left you with costs you didn’t budget for, we’ll find a short-term finance solution that gets you through to your next payday.

From small, same-day loans to bad-credit loans, there are many types of payday loans – and we’re here to find the right one for you.

Payday Loans with No Credit Checks

Have you never borrowed money? Or is your credit history patchy? We can help you find online payday loans with no credit checks. This means you’ll pay slightly more on interest, but your loan approval won’t depend on your credit rating.

At Cigno, we won’t turn anyone away. We regularly facilitate payday loans with no credit checks for Centrelink customers, unemployed people, and people with poor credit ratings. You won’t find any judgement here – just a friendly expert to find a short-term loan for you.

Small Payday Loans

Sometimes a little extra cash is all you need to get through the week. That’s when small payday loans can come in handy.

After all, most payday loans are small amounts of money used to cover incidental and urgent expenses. They’re not suitable for larger purchases.

Our team can help you find small payday loans online today.

Payday Loans for Unemployed People

Time spent between jobs can be financially challenging. Life expenses won’t wait for you to find your next role, but banks might be reluctant to lend to you.

The team at Cigno specialises in organising payday loans for unemployed people, so you can stay on your financial feet.

Sometimes a bit of extra cash is all you need to get by until that job offer comes along. If this describes your situation, talk to us now about getting payday loans online while unemployed.

Payday Loans with Bad Credit

We can also help you apply for online payday loans with bad credit. This means your credit rating is taken into account, but it’s not held against you.

If you’re looking for small payday loans with bad credit, it’s important to keep your applications and rejections to a minimum. As lenders can see recent applications, this can quickly spiral into a situation where no lender will consider you. Our expert team will do everything they can to get you approved sooner with fewer applications.

Same-Day Payday Loans

If you’re searching for quick payday loans, chances are you can’t afford to wait days for the money to arrive. With Cigno, you can get approved for payday loans online the same day as you apply in most cases. If your loan is approved before 5pm AEST, you’ll get your funds on the same day.

Same-day payday loans give you the convenience of super-quick cash, so you can eliminate those stressful expenses or debts sooner rather than later.

Speak to us today so we can arrange a fast payday loan for you.

Payday Loans for Centrelink Customers

Have banks turned you away because they don’t consider your Centrelink payments to be income? It happens all the time. Getting a payday loan approved while on Centrelink can be frustrating.

But it’s not impossible. We can connect you with a lender who offers payday loans for Centrelink customers.

How does a payday loan work?

When you apply and get approved for a payday loan, you’ll get cash sent rapidly to your bank account to cover your urgent costs. The repayments for this loan will be set up to correspond with your upcoming payday(s). This means you can afford unexpected expenses that come up at the wrong time.


Our easy-approval payday loans come with some fees, all of which will be clearly communicated to you prior to the agreement. You can learn about the costs here.

Payday Loan Repayments

We’ll make sure your repayments line up with your payday(s) and capacity. You’ll receive notifications when repayments are due to happen, and we can organise automatic deposits for your convenience.

If you can’t make a repayment when required, just talk to our support team about your options.


What do you need to apply for a payday loan?

While we can’t offer payday loans with guaranteed approval, we do have a high approval rate and we welcome all applicants.

When you apply for a payday loan via the Cigno service platform, all you’ll need to give us is some personal details and your recent bank statements.


Apply for a Payday Loan Online Today

With Cigno, you can get up to $1,000 paid directly into your account. Simply complete the easy online application, select your repayments option, and get approved (we have a great approval rate).

Our experts will assess your needs, income and expenses to help you apply for a loan that matches your circumstances.

When you apply for a payday loan online, you get to skip all the time-wasting you’d usually experience in person or on the phone:

  • No waiting in a queue
  • No waiting on hold
  • No waiting days for approval
  • No waiting days or even weeks for the money.

Getting payday loans online is the fastest way to borrow a small amount of money. Apply with us today to access our wide range of online payday loan lenders.

Payday Loan FAQs

Do payday loans hurt your credit score?

As with most loans, a payday loan itself will have a neutral impact on your credit score. Failing to repay the loan on time is what will hurt your rating. On the other hand, repaying your payday loan promptly will add a positive signal to your credit report, demonstrating that you can manage your finances and debts responsibly.

However, keep in mind that applying for many small loans in a short period of time (whether they all get approved or not) will appear on your credit history and might suggest financial instability to prospective lenders.

How long do payday loans stay on your credit file?

Payment history information remains on your report for 2 years, while the credit enquiries themselves (i.e. when payday lenders check your rating) stay for 5 years.

Can you have two payday loans at once?

This is possible with some lenders. However, we always recommend paying off your existing debt before applying for a new loan. With Cigno, you’ll need to repay your payday loan in full before you can apply for another one, but you can apply again immediately after repaying your current loan.

Are there any payday loans that don’t do credit checks?

Yes. Several of our lenders will review applications based on your bank statements without needing to check your credit history.

What is the interest on a payday loan?

This will vary based on the size, length, and terms of your loan. Payday loans typically come with a comparatively high interest rate to account for their short-term nature.

What happens if a payday loan is not paid?

With Cigno, we advise contacting us as early as possible if you’ll be unable to pay back your loan in time. We’re here to help. If your payday loan goes unpaid with no notice from you, you will be charged dishonour fees.