Rating based on 38 reviews

Cigno Loans

  • Payday loans up to $1,000
  • Fast approvals
  • Low rates and fees

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Author Cigno. Screenshot of Cigno website.
[Accessed May 3, 2023]

Cigno Loans - Fair and transparent payday loans

Cigno Loans is a fair and transparent Australian credit advance organisation.

At Cigno Loans, they believe that although people may strive for a debt-free life, there might be little hiccups along the way that may prevent clients from retaining a life without debt. With that, they then say, they will accept all payday loan applications.  

Short application process

They have a quick online loan application process that allows every applicant the time to apply and go back to whatever it is they were busy. They don’t want potential or even existing members to dwell too much on the loan application process because they understand that people are busy and have other things to do. Instead, they have implemented a system that is quick and fast for the client and has very fast responsive agents waiting for your request.

Maximum loan amount

Although they can borrow from their clients up to $1000, they are constantly preaching the gospel of realistic borrowing to them. It is very important that customers only take out a short-term loan for the exact amount they need. Further to that, it should be for emergency situations only. If it's something that can wait until payday, then it is probably not that important. Don’t borrow excessive amounts of money for no reason that will be difficult for you to pay back. The thought of having money may be tempting, but it’s not worth it if you are going to have a dented credit record.

Credit advance up to $1000

Clients are requested to apply online for a loan application and asked to send them a bank statement. Based on the documents received, they will then determine if his online loan application can be approved or not.

They accept every loan application as they believe everyone who has a job and earns some sort of salary deserves the same chance as any other person.

Loan approval

Should the loan application be deemed successful, a loan agreement and service agreement will then be sent to the customer. The client is requested to read both of the agreements very carefully before accepting the terms and conditions of Cigno payday loans. Should you accept the agreements, you have to authorise them in writing before the money can be sent to your bank account. Applications that were made after 2:40 pm may proceed the same day, but the money will be transferred on the following morning.

Loan amount

On the basis of you being a new customer, they can give you personal finance of $1000. After they have seen that you have been a loyal customer and are adhering to payment options, they may increase the loan amount as times go by.

Cigno – Payday loan

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

Benefits of Cigno

  • Competitive terms
  • High approval rates
  • Payday loans 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.

Cigno Loans - let them help you with a payday advance

Customers need to notify Cigno loans in due course should they fail to repay the loan on time.

Failing to communicate on time may lead them to contact external debt collectors. Therefore, to be on the safe side, talk to them as soon as you can see, you will have problems maintaining your financial obligations due to them.

Minimum and maximum repayment date

The minimum days of repaying your quick loan must be within 20 days of the date you took the loan and the maximum number of days is 62.

Preliminary loan assessment

Given the findings raised on the loan application, the client may not be awarded a loan based on the financial inconsistencies identified. Seeing that they don’t have any hidden costs or fees, they expect the same from their clients. Asking for your bank statement is one of the best ways they can see if a client is financially transparent or not.

Credit sense

They have an external service provider that supplies them with your bank statement so that they can get a better view of your finance and debts. Having your bank statement is very important because if they see that you have too much on your plate, they will not give you the payday loan. Essentially, they want their clients to be able to carry on with their lives in a normal way and not be restricted because they have to fulfil their financial obligations with them.

Internet banking details

Internet banking details are very private documents that shouldn’t be seen or accessed by anyone. Clients need to understand that although they might be looking for their bank statements, they don’t have control over their documents, they do. The details are always encrypted and can only be accessed by the client.

Additional loan

Although they can’t give their clients a confident “yes” that they can apply while they have an existing loan with them, there is a possibility that they may qualify. All cases will be dealt with differently from client to client.

Payment postponement

Postponing your loan payment is only possible if you make the request before your date is due. If you fail to do so, it can’t be altered and it will be deemed as an unpaid loan. Therefore, you need to make a request as soon as possible to avoid any financial incurred fees.

Payment reminder

Cigno Loans will remind all their customers normally a day or two before their bad credit loan is due. However, it is the responsibility of a client to remember his payment dates and not the duty of the credit advance company per se.

Customer Reviews & Testimonials

Nice and simple application that i had completed in just minutes so grateful not to have one of those loan applications that take up the whole day to complete.

Dave J
— Perth —

Being able to get my feedback for my loan so quickly was very nice and it was all done electronically which does help if you are very busy.

Elsa A
— Melbourne —

Great service and got my loan amount that I needed within a few hours which really did help reduce my stress.

Lorraine B
— Perth —

Cigno Contact

Contact Number


  • not available


  • not available

Physical Address

Postal Address

  • PO Box 3362 Australia Fair, QLD, 4215, Australia

Opening Hours

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