Rating based on 17 reviews


  • Personal 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

If you need a personal loan, complete a quick and easy online application and get approved in no time.

Cigno has a team of highly qualified experts that will not only help you find a personal loan just for you but also assist in managing your loan. They have a goal to provide a quick, easy, and high-quality service of loan management, giving everyone in Australia access to cash loans and other financial solutions.

Their application process is quick, simple, and non-invasive with competitive fees that vary depending on the length of your specific loan and the terms of the relevant lender, you can find more information on this on their cost page.

Choose a suitable personal loan

Choosing the right loan for your needs is very important. There is a range of different types of loans to consider. Taking out multiple small online loans, for example, might be worse for you than just taking out one larger loan. On the flip side, if you take out a large loan when you could’ve gotten away with a small loan it might also not be such a good idea.

It is always a good suggestion to sit down, do your own calculations, do a cost approximation, and set a timeline. It’s very important to have a solid understanding of your financial requirements for you to apply for the right type of loan.

Cigno Services

Cigno has a range of personal loans available for you to choose from.

A personal loan is a certain amount of money you can borrow to use for a variety of purposes. For instance, consolidating your debt, holiday trips, medical bills, renovations, furniture, and any other personal expenses. Personal loans in Australia can be secured or unsecured depending on your individual situation and the lender terms.

No matter what cards life has dealt you, there are many types of Personal Loans to suit different circumstances.

Affordable payday loans 

A Payday loan is for when you need a small amount of instant cash that will tide you over to your next payday. This type of loan allows you to access cash almost instantly and is sent to your bank account incredibly quickly, helping you out with important expenses. It’s a suitable option when you need a quick cash solution.

Loans for people with bad credit

Getting a loan when having a bad credit score can be challenging. If you have been rejected repeatedly by financial institutions, consider a bad credit loan instead. Cigno believes in second chances, which is why they consider every application regardless of your credit history.

Cigno – Personal loan

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

Benefits of Cigno

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

Personal loan calculator

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

Quick and easy loan application

When your money is just not enough to last until the weekend and your expenses are breathing down your neck. A weekend loan can assist with covering your expenses during exactly that time.

Loans for unforeseen emergencies

Unforeseen emergencies can strike at any time and can leave you in a financial crisis. If you need to make an urgent repair, pay medical bills, or any other emergency, emergency loans will be the ideal loan to consider.

Unemployment loans

Getting a quick online loan while you are unemployed can be difficult. This is also at the same time you might need a loan the most. An unemployment loan can help you out of your situation.

Loans you can use when retired

Loan solutions for individuals that are retired: Being a pensioner can be hard financially. A pensioner loan can help you out with unexpected medical bills or other significant purchases.

Flexible low-income loans

Designed for people with a very small income: It is not always easy for low-income earners to get loans from financial institutions and they are often denied. A low-income loan can help you out with anything from an unexpectedly high-power bill to urgent car repairs. Cigno offers a wide range of benefits to its customers.

Some of the benefits are as follows

  • Quick and easy application process. 
  • Competitive loans with a range of leading lenders.
  • They will assist with collecting and collating your details and verification documents required to submit a credit application with a lender on your behalf. 
  • They will conduct an assessment of your credit application for you before submitting it to a lender.
  • They will present the finalized credit application to a lender in a particular format to ensure the fastest response possible.
  • You don’t have to deal with the lenders yourself.
  • Ongoing management services.
  • Ongoing access to the Cigno member portal and all online resources.
  • Ongoing assistance by the Cigno team.
  • Being able to change or modify your payment schedule.
  • They use Credit Sense and safe internet banking procedures to ensure your account stays secure

Customer Reviews & Testimonials

January 2019

They have been extremely helpful to me in a time of stress, they helped me find the right loan for my needs and have been there every step of the way.

Jones A
— Sydney —

November 2019

I wouldn’t have gotten the loan if it wasn’t for Cigno. They presented my profile in such a way that the lender approved and I was able to borrow money from them. I highly recommend the Cigno tea...

Brown H
— Melbourne —

October 2020

They basically do all the hard work and it really makes the process much quicker and easier. I am very happy with their amazing service.

Williams L
— Brisbane —

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