Rating based on 7 reviews


  • Payday loans up to $1,000
  • Flexible loan repayment
  • Low interest rates

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

About Cigno

Cigno built its foundations on understanding and empathy.

They understand that financial challenges can affect anyone and everyone needs help from time to time. It does not matter what circumstances you find yourself in; if you need a loan, Cigno will try to help you.

Their network of payday lenders considers all applications from clients whether they are working, unemployed, on benefits, or retired. All clients from any walk of life are treated, with the same respect.

Get instant cash

The whole problem with needing emergency funds is that there are not many ways to get the cash exactly when you need it. Waiting for days or even weeks is not something that Cigno wants for its clients. Thanks to their online platform, which operates 24/7 and can be accessed from anywhere globally.

Cigno’s online platform allows Australians to apply for a loan online from their home comfort or even while abroad for work. Applications received after 5.00 pm AEST will receive funds by the following day.

Whenever you find yourself unable to get through the month until the next payday, you can consider getting a payday loan. 

The loan consists of a small amount of money used to cover urgent expenses. When the next payday comes by, clients need to repay their payday loans. Payday loans are perfect for covering unexpected costs that need to be paid right now.

Cigno Services

Cigno understands that clients have different reasons for getting a payday loan.

Some might need it for piling up bills, and others might need to buy clothing for school for their children; whatever the reason, Cigno has a short-term solution to help.

Cigno offers quick fixes for money problems, giving you up to $1,000 when you need it fast. They've been working with loan providers for over 10 years to help people find short-term money solutions. They are good at finding solutions for different situations. 

Small payday loans

Some clients might need money to help them get through the last week of the month or even a few days. Small payday loans are perfect for clients in this position.

Payday loans for unemployed people

Cigno understands what a challenge a transition between jobs can be. Some banks and lenders are reluctant to help when they don’t have enough proof and paperwork. They can help with a short-term payday loan for unemployed Australians. They understand that clients need money to survive until they get their next paycheck. They'll work with you to set terms that work for you.

Same-day payday loans

If you're looking for a payday loan you probably don’t have time to wait for approval. Cigno can assist you to get a payday loan within 24 hours of applying. You can now eliminate your debt sooner rather than later with the help of this leading broker.

Cigno – Payday loan

  • Loan Type Payday loans
  • Loan Amount up to $1,000

Benefits of Cigno

  • Quick and easy online application
  • Fast loan approval
  • Low-interest rates
  • Bad credit applicants welcome
  • Loan up to $1,000

Payday loan calculator

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

Quick and easy loan access

Getting a payday loan from a bank when on Centrelink can be a frustrating process. Cigno can help make this process smoother by helping you find a lender that offers payday loans specifically for Centrelink customers.

You don't have to answer a lot of nosy questions with them – they treat you with respect and only ask for what they need to help you. They can even get you money really quickly in emergencies. Getting a loan with them is easy and doesn't take long. They have different types of loans like payday loans and loans for when you're low on money. They also help people with bad credit, those who get Centrelink payments, and more.

If you need money but are unsure how your credit record will affect your application, Cigno can help you find a provider that works with bad credit. Cigno also helps clients avoid rejections from lenders by assessing and optimising their application first before submitting it to a lender. It’s essential for you to keep loan applications and rejections at a minimum. Lenders can record rejections which can affect your credit record. 

No credit checks

You may have a bad credit record due to past difficulties but can now afford to repay your debt. Cigno understands that clients with a patchy history also need help, and as their agent, they can help you find payday loans with no credit checks. 

Cigno acts as your agent

Cigno acts as your agent and assists you in finding a loan, applying for it, and getting it approved. As soon as the lender approves your payday loan application, the money is typically made available on the same day. 

Fees on a payday loan

Each online payday loan gets designed according to how much you need and how much you can afford. As soon as you apply, you receive the relevant information about fees and costs.

Payday loan repayments

Part of the application process involves choosing a repayment schedule that works according to your pay schedule. You need to select a repayment schedule that you can afford while still paying for ongoing expenses. If you struggle to make your repayment when required, you can simply contact Cigno, and they'll help arrange a new affordable schedule.

Loan application requirements

Cigno only requires basic personal details such as your address, contact details, and 90 days bank statements. If they need additional information, they'll contact you personally. All your information is handled safely and securely.

Cigno helps you get access to short-term loans of up to $1,000. They do their best to ensure that you have the best chance of a successful outcome. They'll assess your needs, income, and expenses and help you find a loan that matches your needs.


Customer Reviews & Testimonials

May 2019

I have only experienced great service from Cigno, and I highly recommend them! The team members are all very professional and friendly. Thanks for being there Cigno, I will definitely use your se...

Oliver M
— Perth —

October 2020

I was delighted with how easy it was to apply for my payday loan. It took a few minutes to fill out my information, and within a day, Cigno helped me find a loan and get my money. I would recomme...

Klue L
— Sydney —

November 2020

The service by Cigno was completely upfront and honest from the start. They truly have no hidden costs. Thank you for saving my finances during a tough month.

Black C
— 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