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What Is an Unsecured Loan?

Cigno can help you overcome financial emergencies by finding unsecured loans online. Whether you’ve got unexpected bills or you’re a little short on your regular expenses, an unsecured cash loan can help you get by until payday comes around. You can trust our team to find an unsecured loan that matches your needs and your situation.

An unsecured personal loan is an amount of money lent without any asset put up as collateral. Whereas a secured loan uses a possession (such as a house or vehicle) as a ‘safety net’ for the lender, an unsecured loan doesn’t require this. By using Cigno, you can borrow up to $1,000 with an unsecured cash loan.

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Unsecured 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.

The Benefits of an Unsecured Loan

Typically, an unsecured loan is easier to get compared to a secured loan and can be applied for even if you do not have any collateral.

There are also circumstances where you may prefer an unsecured loan because there is no risk to any asset that is if the unexpected occurs and you end up in default.  Unsecured loans are also often more flexible when it comes to repayment periods.

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Are there any requirements?

Engaging Cigno to act as your agent to assist you to apply for an Unsecured Loan is simple.

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.

We strive to offer a service that makes applying for an Unsecured Loan as quick and as easy as possible.

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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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