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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 cannot wait. For example, it could help you cover untimely bills, medical costs, and repairs.

How does a payday loan work?

Cigno acts as your agent to assist you in applying for and getting approved for a short-term ‘payday’ loan.  Once approved, the money is usually disbursed on the same day to meet your urgent needs. Repayments are made on a schedule that typically coincides with your upcoming payday.

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 read about these in advance on our Costs page

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Payday Loans for a Range of Circumstances

There are many reasons you may need a payday loan.

Cigno can help.  We act as your agent to assist you in applying for a payday loan that suits your specific situation.  Whether you’ve got bills piling up or an accident has left you with costs that you didn’t budget for, we will find a short-term solution that gets you through to your next payday.

Payday Loans with No Credit Checks

Have you never borrowed money? Or is your credit history patchy? As your agent, we can help you find an online payday loans with no credit checks.

At Cigno, we regularly assist our customers to apply for short-term ‘payday’ loans with no credit checks.  We have unemployed customers, customers on Centrelink, and customers with poor credit ratings.  As their agent, we have been able to help them all to find a suitable solution!

Payday Loans with Bad Credit

Bad Credit? Cigno can help. We act as your agent to assist you in applying for short-term payday loans with bad credit. We will help you apply for a lender who considers credit history to be history.

It is generally important to keep your loan applications and rejections to a minimum as most lenders will record applications on your credit file and other lenders may take this into account when assessing your application.

Cigno helps avoid such a situation by assessing and optimising an application first before submitting it to a lender.  That way we can minimise and rejections from the lender and ensure the best chance of a successful outcome.

Small Payday Loans

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

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

Cigno can help you apply for a small payday loan online today.

Same-Day Payday Loans

If you are searching for a quick payday loan, chances are you cannot afford to wait days to be approved and to receive the money.

With Cigno as your agent, we will assist you to not only apply for a quick short-term ‘payday’ loan but in most cases, lenders will approve the loan and disburse it to your account on the same day as you apply.

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 about how we can help.

Payday Loans for Unemployed People

Time spent between jobs can be financially challenging.

Life expenses do not wait for you to find your next job and a lot of banks and lenders are reluctant to lend to you.

Cigno can help.  We act as your agent to assist you in applying for short-term 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 how we can help.

Payday Loans for Centrelink Customers

Have banks turned you away because you are on Centrelink?

It happens all the time. Getting a payday loan approved while on Centrelink can be frustrating.

But it is not impossible.  Cigno can help.  Speak to us today about how we can help you apply with a lender who offers payday loans for Centrelink customers.

What do you need to apply for a payday loan?

If you choose to use Cigno, we will act as your agent to assist you to apply for a short-term ‘payday’ loan.  We optimise your application prior to submitting to the lender 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.

Payday 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.

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.

Apply for a Payday Loan Online Today

With Cigno, we act as your agent to assist you to apply for short-term loans up to $1,000 paid directly into your account. Simply complete our easy online application.  We will do the rest to ensure the best chance of a successful outcome from a lender.

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

When you apply for a short term ‘payday’ loan online using Cigno’s service, there is:

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

Cigno’s service is the fastest and easiest way to apply for and receive a short-term ‘payday’ loan online.

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

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Payday Loan FAQs

Do payday loans hurt your credit score and credit history?

Not necessarily.  The biggest factor that will negatively impact your credit score is failing to make repayments on time.

However, every lender has a different assessment criterion.  Some lenders will view the presence payday loan applications on a credit file negatively and may decline an application as a result.  On the other hand, repaying your payday loan promptly will generally be viewed by lenders positively.

It is also important to keep in mind that most lenders will lodge a credit file enquiry for every application received, whether approved or declined.  The presence of too many lender enquiries on your credit file is generally considered negatively.  Therefore, it is important you minimise the number of credit enquires as much as possible.

Cigno can help.  We act as your agent to assist you in applying for a short-term ‘payday’ loan without damaging your credit history and credit score.  We optimise your application to ensure the best chance of success without resulting in numerous credit enquiries.

We can even submit your application to a lender who does not require a credit enquiry as part of its assessment criteria.

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, it is best practice to pay off your existing debt before applying for a new loan to ensure you do not end up with a debt problem.

If you are using the Cigno service and have an active loan, you will need to have repaid the loan in full before we can assist you in applying for another loan.  Once the active loan is paid you can apply again immediately.  There is no cool-off period.

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

Yes.  We can assist you to apply with a lender who does not require a credit check.

What is the interest on a payday loan?

In general, every lender will have its own distinct costs of borrowing, whether it be fees, interest, or a combination of both.  It is important that you fully understand the costs of borrowing before you enter into any loan agreement.

If you choose to use Cigno’s service, we will provide you with all relevant information regarding the lender costs before you enter into any loan agreement with the lender.  You can also read more on our Costs page

What happens if a payday loan is not paid?

If you cannot make a payment on time, it is very important you get in contact with your lender to set up a payment schedule that you can afford.  Defaulting on payments will generally incurred additional costs which can get out of hand very quickly and could result in enforcement action and negative implications for your credit history.

If you choose to use Cigno’s service and you are unable to make a payment on the due date, all you need to do is let us know.  We will assist you to put in place a new, affordable payment schedule to ensure that you are able meet your obligations and still be able to afford your everyday expenses.  This way you don’t end up with a debt problem.

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