Rating based on 3 reviews


  • Loans bad credit up to $1,000
  • Flexible loan repayment
  • Low interest rates

In-page navigation

Cigno homepage
Author Cigno. Screenshot of Cigno website.
[Accessed May 24, 2023]

About Cigno

If bad credit is stifling your financial progress, you do not have to worry.

Cigno the short-term loan specialist, has a plan for anyone battling to access extra cash as a result of a poor credit rating. Cigno offers a super-fast and efficient way for Australians to access bad credit loans for any emergency projects that might crop up from time to time. The online portal is the go-to specialist people turn to for easy-to-procure loans in the credit lending market, even when they have a poor credit record with the credit bureau.

Who is Cigno and what do they do?

A trusted provider of emergency cash solutions

Industry expertise for personalised financial solutions

For years, Cigno has established itself as a prominent name in offering emergency cash solutions. Drawing upon their extensive industry experience, they are dedicated to assisting individuals in finding suitable financial options tailored to their specific needs.

Effortless application process

To initiate the process, Cigno provides a convenient form that enables applicants to compile an application package. This package is then distributed to potential providers who may be able to offer assistance. Accessing Cigno's Member Portal is a breeze, as users can simply log in using the username and password they created during the initial application.

Versatile Cigno loan options

Addressing challenging credit situations

Cigno understands the complexities of credit situations and offers a range of loan options to accommodate individuals with bad credit. These options include bad credit loans, payday loans, Centrelink loans, and loans specifically designed for pensioners and the unemployed.

Flexible Cigno loan products

Cigno also provides an array of cash loan products to cater to various financial requirements. These include quick and fast cash loans, weekend loans, easy loans, small cash loans, online loans, emergency loans, cash advance loans, short-term loans, student loans, and loans specifically for veterinary bills and medical expenses.

Ensuring security and privacy

Secure bank statement acquisition

Cigno prioritises the security of its customers' sensitive information. They've partnered with Credit Sense, a trusted third-party provider, to securely obtain bank statements through internet banking. It is important to note that Cigno does not store users' internet banking credentials. The encrypted credentials are securely transmitted to the bank for accessing transaction history and are promptly deleted. Alternatively, applicants have the option to manually submit their bank statements if they prefer not to use Credit Sense.

Cigno's advice for sound financial decisions

Cigno urges individuals to carefully evaluate their options before borrowing, as small loans can be costly and may not offer long-term solutions. They recommend seeking guidance from independent financial counselors and exploring alternative approaches to managing bills and debts.

Exploring government assistance

Cigno suggests discussing payment plans with utility providers and inquiring about the possibility of receiving an advance from Centrelink for those eligible. They also direct individuals to visit the Government's MoneySmart website, which provides valuable information on how small amount loans work and offers additional alternative solutions.

Cigno Services

Cigno is committed to securing loans for clients with a bad credit record.

They offer bad credit loans ranging from $50 to $1,000, with an easy online application process available 24/7.

Unlike traditional lenders who often reject loan applications based on bad credit or no credit history, Cigno recognises that past financial mistakes should not hinder you from accessing funds. They provide loans without credit checks, understanding that your credit history may not accurately reflect your current ability to repay debts.

Ideal Cigno loan types for you needs

Cigno offers two types of bad credit loans

Firstly, they provide loans for individuals with bad credit histories, considering factors such as income, employment status, and existing debts instead of focusing solely on credit checks. Secondly, Cigno assists customers receiving Centrelink payments, helping them cover emergency expenses between payments.

Repayment of loans is made as convenient as possible. Cigno loans will align with your pay cycle, sends repayment reminders on payday, and can arrange direct debits. By repaying your Cigno loan consistently, borrowers can maintain access to its services for future loan applications.

Overall, a Cingo loan aims to provide financial relief to individuals with bad credit or limited credit history, offering an inclusive approach and understanding the challenges faced by such borrowers.

Loans with no credit check 

An unpaid bill or bankruptcy that led to a client’s bad credit record is not an issue for Cigno. The company will act on its client’s behalf to access bad credit loans at a desirable interest rate.

Small loans for bad credit 

It can be frustrating when clients have to go from pillar to post to access loans from banks, which may consistently reject their loan applications.  Online lending companies are experts at achieving and bidding for small loans for people with bad credit, hence their high approval rating.    

Loans while on Centrelink

Clients who have a bad credit background and are being helped by Centrelink, are no hurdle at all as far as Cigno is concerned. The company has an open line of communication with lenders who assist Centrelink customers with bad credit and, therefore, Cigno has the negotiating leverage to assist these types of clients in need.

Applications can be made for this type of credit judgment-free. There is no excessive paperwork and information analysis when applying for a Cigno loan. All that is needed is your address, contact details, and a 90-day bank statement.

Cigno – Bad credit loan

  • Loan Type Loans bad credit
  • Loan Amount up to $1,000

Benefits of Cigno

  • Quick and easy online application
  • Fast loan approval
  • Low interest rates

Bad credit loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This bad credit loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Quick and easy applications for a Cigno loan

The company keeps clients updated on a 24-hour basis regarding progress with any application and will inform them should there be any extra documentation required.

Cigno staff is focused on supplying all applicant details to lenders as quickly as possible, hence they only ask bad credit loan clients for the information needed. They promise to keep all data safe and secure.

The client is given a host of loan options to choose from once Cigno has negotiated with the lender.  The company makes sure there are no unnecessary charges that will make the bad credit loan too expensive. Cigno has no surprises or secret agendas in store for clients, the process is transparent. Extra costs are dependent on the easy online loan options chosen.    

Once all this information is presented to loan applicants, there is no obligation to proceed with the loan until the client enters into the agreement. There are two components to the costs, and this information can be accessed on the bad credit loans link on the website.

The simple loan application process 

The company engages with a host of lenders in their network, and provides loans to people with poor credit, on a 24-hour basis. The online company’s highly qualified financial services staffers guarantee clients service of the highest standards.

All of their agents comply with the necessary qualifications criteria of the country’s Finance Act. Cigno’s big drawcard is that an applicant’s chances of securing any short-term loan are made easy via a simple click of a mouse and the company ensures the process is as easy as 1-2-3.

Eligibility for a Cigno loan with poor credit

If you have poor credit and are considering a Cigno loan, you must know the eligibility criteria before you apply.

  • You must be at least 18 years old to apply for a Cigno loan.
  • You need to be a resident of Australia and have a valid Australian address.
  • You must have a valid form of identification, such as a driver's license or passport.
  • While Cigno specialises in assisting individuals with poor credit, you will still need to demonstrate a regular income source. This could include employment, Centrelink payments, or other sources of income.
  • Cigno will assess your ability to repay the loan by considering your income and expenses. It's essential to provide accurate information during the application process.
  • You must have an active bank account in your name. This is where the loan funds will be deposited, and it will also be used for repayment purposes.
  • Cigno loans are intended for personal use. It's important to use the funds responsibly and not for illegal or unauthorized activities.

Cigno encourages responsible borrowing. They advise applicants to consider their financial situation, assess whether a loan is necessary, and determine if there are alternative options available.

Bad credit applicants

Bad credit applicants can cquickly and easily get a personal loan online. Cigno ensures ease-of-use of their loan application system through an easy three-step process. Once you click on the bad credit link on the website, all you have to do is fill in the amount of the loan, contact, and postal address details.

The personal loan credit plan 

Whether you're paid your salary at month-end, weekly or fortnightly, Cigno can structure a repayment plan for you. Bad credit loans are subject to higher interest rates, compared to a personal loan. However, Cigno has the ability to negotiate with lenders in the market for a repayment plan that suits the client’s needs.

A qualified company agent will respond within 24-hours to discuss the application with you. Cigno Premium Service allows clients to use a company agent to negotiate with market lenders on their behalf to help them secure the best bad credit loan for their needs.

Feeling the squeeze with household debt due to bad credit?

No problem at all. Cigno will taper a payment plan in line with your financial capacity, should you qualify for Gigno loan. They encourage clients to settle the monthly debt if they receive a bad credit loan, via debit order.  This means an amount is deducted by the lender from your bank account immediately when you get paid.

Customer Reviews & Testimonials

January 2019

I’ve been using Cigno for years they have been very helpful; even when you hit hard times about repayments they are willing to help. I will use them more often and I am still using them up till n...

Carlos J
— Sydney —

June 2019

CIGNO has been nothing but a pleasure to deal with. Extremely professional and amazing service. I highly recommend them above others. I don’t say this lightly as, I am a BAS Agent and deal with c...

Monique J
— Perth —

February 2020

Very excellent service. Helped me a lot with this money. I have had a few loans before and that is why I applied and they approved all very quickly. I will be applying again when I finish my loa...

Keagan J
— Perth —

Cigno Contact

Physical Address

Postal Address

  • PO Box 3362 Australia Fair QLD 4215, Australia

Opening Hours

  • Monday 24 – hours
  • Tuesday 24 – hours
  • Wednesday 24 – hours
  • Thursday 24 – hours
  • Friday 24 – hours
  • Saturday 24 – hours
  • Sunday 24 – hours