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 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.