Taking out a loan seems like the perfect option for debt consolidation and to fund other purchases. In an emergency, loans provide enough funds to cover the total cost of whatever you need. Online loan providers like Cigno provide just the right loans you need.
Not everyone has an emergency $1000 stored up somewhere. If you find yourself in this category, then you might start rethinking your choices and apply for a loan with Cigno. Why? As you ask, Cigno provides short-term loans of up to $1000 to cover whatever you need.
Cigno loans act like a middleman between the borrower and the lender. Borrowers can check if they are qualified by filling out a form, which Cigno will review before they are sent to the lender. Also, Cigno helps communicate with the lender about the borrower’s credit application. In addition, Cigno offers a quick loan application process.
In addition, Cigno’s sole aim is to provide a fast and reliable loan application, giving every borrower access to short-term loans. Unlike traditional loan companies, Cigno provides a good experience for its customers.
How Do Cigno Loans Work?
Cigno acts like a middleman between the borrower and the lender. They are also regarded as the agents of the borrower. Cigno provides a wide range of services to help with loan applications and loan management. This includes;
- Aid borrowers to source credit from lenders by using Cigno’s easy and fast application process.
- Receive and gather the borrower’s details and verify the required documentation needed by the lender.
- Review the loan application form before submitting it to the lender.
- Deliver the finalized loan application to the lender in a specific format to ensure a quick response.
- Contact the lender regarding your loan application.
- Come to terms with the lender to ensure that payments are made on your behalf.
- Offer ongoing management services to borrowers, such as
- Current access to the Cigno customer support team.
- Offering a constant account statement.
- Receiving and processing payment from the lender.
- Help with the payment schedule.
- Current access to Cigno online resources.
- Offer daily assistance with payment reminders through SMS and email.
With Cigno, you can receive a loan amount of up to $1000 in your bank account with flexible repayment options. After filling out the online loan application form, Cigno will review it before it is sent to the lender.
Once your application has been approved, an email will be sent to you. Afterward, agree to all the loan terms, and your funds will be deposited into your bank account within a few hours.
Why Should I Apply Online for Cigno Loans?
Cigno offers so many reasons for you to apply for a loan with them. They are one of the best online lenders out there, offering various loan types to potential borrowers. Irrespective of your credit score, you can find a loan type that suits you. All you need to do is submit some important details and Cigno will review your application before you submit it to the lender.
The application process for a Cigno loan is fast and effortless. You can apply online from any device and then agree to the terms and conditions. Once you meet the requirements, you will be approved for the loan on the same day you apply. The loan amount will be transferred directly into your bank account.
Furthermore, Cigno is available every day of the week from 9:00 a.m. to 5:00 p.m. This gives people the opportunity to apply for a loan from anywhere and anytime and once approved, you can get your loan amount the same day you applied.
How Much Do Cigno Loans Cost?
After selecting the loan amount that fits your needs and submitting your loan application, Cigno will work with other lenders to ensure that you are approved. Afterward, you will be given the chance to select from multiple loans and choose a flexible repayment method.
The weekly fee charged by Cigno will be determined by multiple factors. Borrowers are aware of the fees before they agree to any legal terms. Note: It is vital to make payments for your loan according to your scheduled repayment plan to avoid extra late repayment charges.
Furthermore, if you want to change your repayment plan, you should notify Cigno a day before you reschedule your repayment. However, the lender doesn’t allow borrowers to change repayment plans, but Cigno will plead on your behalf and negotiate with the lender to reduce the dishonor fee, which usually costs $65.
In other words, the fee for changing the repayment schedule is $15. After changing your schedule, Cigno will send you an email about your new repayment plan and also a reminder for repayments before the due date for payment.
Type Of Cigno Loans
One of the merits of Cigno is the vast loan types they offer and the easy application process. Every borrower can find a loan type that suits them. If you are worried about your bad credit, you don’t have to. Why? You ask because Cigno has loans for borrowers with poor credit history. Here are some of the loans that Cigno offers:
| Bad Credit Loans | Cash Loan Products |
| Bad Credit Loans | Quick and Fast cash Loans |
| Payday Loans | Weekend Loans |
| Centrelink Loans | Easy Loans |
| Loans For Pensioners | Small Cash Loans |
| Loans for Low Income | Online Loans |
| Tax loans | Emergency Loans |
| No Credit Check Loans | Cash Advance Loans |
| —- | Short Term Loans |
| —- | Student Loans |
| —- | Loans for Vet Bills |
| —- | Medical Loans |
Bad Credit Loans
Worried that you might not get approved for a loan due to your bad credit score? Well, don’t worry. A bad credit loan is just the right option for you. Cigno provides loans with no credit check to people with no or bad credit history.
How It Works
Cigno offers no credit check loans of up to $1000. Before you can be approved for a no-credit-check loan, you must provide some important documents such as proof of income, existing debt, and employment status to find out if you can repay the loan amount. The no-credit-check loan works just like any other loan where there are interest rates and other fees.
Types of Bad Credit Loans
There are three types of bad credit loans, and they are:
- Bad Credit Loans with No Credit Check: The main reason why people opt for no credit check loans is because of their bad credit history. Having a bad credit score can be affected for several reasons, such as late payments, bankruptcy, overdue bills, missing payments, and others. Cigno believes that all this shouldn’t stop you from borrowing money.
- Bad Credit Loans While on Centrelink: If you are worried that you might not be eligible for cash loans due to Centrelink and bad credit, don’t lose hope. Cigno will act as an agent to assist you with the loan and contact lenders on your behalf.
- Small Personal Loans for Bad Credit: There is an occasion that arises when you need small cash, but one thing might hinder you from getting these small cash loans, and this is your bad credit history. It can be tiring if you are constantly rejected each time you apply for a loan from other lenders due to your bad credit. What’s worse is that this can also further damage your credit score. This is where Cigno comes to the rescue. They offer small cash loans without performing any credit checks whatsoever.
Payday Loans
Payday is still weeks away. However, certain expenses come unannounced and there you have yourself desperately in need of cash. To tackle this, you can apply for payday loans with Cigno. They will guide you and direct you through the loan application. Once approved, you will receive the loan amount on the same day you applied.
Payday loans are a small amount of money used to cover emergency expenses and then paid back on your next payday. Getting a loan before your payday allows you to pay for sudden expenses like medical costs, untimely bills, and even repairs.
Types of Payday Loans
- Payday Loans with No Credit Check: You can contact a Cigno agent to help you check into an online payday loan without a credit check. Cigno agents help people to find lenders and apply for loans that don’t require a credit check.
- Payday loans with bad credit: If you have bad credit, you don’t have to worry because there are loans that are just right for you. Cigno acts as an agent to help you with your loan application.
- Small payday loans: There are times when you need small cash before your payday. This is where Cigno’s small payday loans come to the rescue by offering small cash to get through whatever you need. Once you are approved, the small cash amount will be sent to your account.
- Same-day payday loans: Cigno is known for depositing the loan amount on the same day you apply. The application process is fast and hassle-free. Not everyone has the time and patience to wait for days to get approved for a loan. However, Cigno acts as an agent to provide the best same-day payday loan to borrowers.
- Payday Loans for Unemployed People: Lots of lenders find it difficult to approve loans for people with no jobs. However, lenders at Cigno do not consider that.
- Payday Loans for Centrelink Customers: Several banks will reject your loan application if you’re receiving funds from Centrelink. But with Cigno, that is impossible. Cigno is among the few lenders that offer loans to people irrespective of their employment and financial status.
Centrelink Loans
People who receive Centrelink payments can also be eligible for a Cigno loan. Most banks might turn down people who receive Centrelink payments because their income is very low. But Cigno offers small cash loans of up to $1000 to people who receive Centrelink payments.
There are four types of Centrelink loans and they are:
- Centrelink loans with no credit check: It is not easy to get a cash loan if you receive payment from Centrelink. In this case, a no-credit loan would be the right option. Cigno will act as an agent to help you with the loan application and contact the lender on your behalf.
- Bad Credit Centrelink Loans: Having a bad credit history and receiving payments from Centrelink can lead to being rejected for loans from several traditional lenders. But with Cigno, you can apply for a loan online and submit your application, which Cigno will review before you submit it to your lender.
- Payday Loans for Centrelink Customers: If you need a small amount of cash, Cigno can help you find lenders who will lend you the amount you need. However, you need to provide some documents to be approved for the loan.
- Online Loans for Centrelink Customers: If you are looking for a Centrelink loan online, well, look no further because Cigno can provide that. All you need to do is to fill out the loan application form and get approved within minutes. Once you are approved, the loan amount will be sent to your account. However, you need to provide some important details to be approved for the loan.
Loans for Pensioners
People who are on a pension can be eligible for a loan at Cigno. All you need to do is provide the details, such as a bank statement and contact details. The types of pensioner loans include:
- Loans for Centrelink pensioners: Some banks will reject your application because they do not recognize Centrelink payments as a legitimate source of income. People on pensions will find it hard to get approved for a loan. However, Cigno loans offer assistance to borrowers by helping them apply for the loan and contacting their employers on their behalf.
- Loans for pensioners with bad credit: Pensioners with a bad credit history can still be eligible for a loan with Cigno. They help all borrowers by assisting with loan applications.
Loans For Unemployed
Unemployed people might find it difficult to get approved for a loan because having a job is one of the criteria for a loan application. However, Cigno doesn’t consider this, and they provide the loan type that you need by applying for a loan from a lender that doesn’t require employment as part of its criteria. If you are approved for the loan, the money will be deposited into your account.
Types of Loans for Unemployed People
- Small loans for unemployed people: People who don’t have jobs can apply for a small loan to manage their finances until they secure employment. Cigno will act as an agent for them and apply for loans from lenders who don’t require employment as part of their criteria.
- Loans for unemployed people on benefits: Financial institutions will not consider benefit payments as a legitimate source of income. However, Cigno Loans will assist you in getting a loan that is just right for you. Cigno will find a lender that will offer you the loan amount you need. However, you need to provide certain documents before you are approved.
- Loans for unemployed people with bad credit: If you think that your unemployed status or bad credit could hinder your loan application, then think again, because the Cigno loan is right there for you. All you have to do is pick the loan that you want, and then Cigno will act as an agent for you.
Unsecured Loan
You can tackle your financial problems by applying for an unsecured loan with Cigno. Irrespective of the sudden expenses, an unsecured loan can help you cover the cost. Leave it to the Cigno agent to help you find the loan that suits you.
An unsecured loan is an amount of cash borrowed without any collateral. Unsecured loans are much easier to get when compared to other loans. This loan can be granted even without collateral. Plus, they have a flexible repayment plan.
Loans for Low Income
Low incomes often can’t cover the most costs and, in such cases, a loan might be the right option. Cigno loans act like a friend in need in this kind of situation. They provide the right loan type that every borrower needs. Before submitting your application, Cigno will review it and then submit it directly to your lender. There are also several options for low-income loans, such as loans for students, Centrelink loans, small personal loans, and loans for pensioners.
Tax Loans
If you want to use your next tax return to cover expenses, you can apply for a tax refund loan. This type of loan gives you more flexibility when you are depending on your return to cover sudden expenses. A tax refund loan is approved in anticipation of your tax refund.
If you are depending on your tax refund, then this loan is the right choice for you. It can be used to cover any urgent expenses.
No Credit Check Loans
When applying for a loan, a credit check is one of the most important things the lender checks. This is among the criteria for most lenders. Performing a credit check ensures the lender can make payment for the loan and what you intend to do if the loan amount is granted to you.
However, what if you don’t have a credit score, or you have a poor credit score, or you are in the stage of rebuilding your credit score? Then a no-credit-check loan will be the right option for you.
A no-credit-check loan works just like any other loan that doesn’t require a credit check. This can sound a little unreal, but some lenders consider other options for you to be eligible for a loan. When applying for this type of loan, the lender will consider your proof of income, employment status, bank statement, and others to determine if you are eligible for the loan.
Applying for a no-credit-check loan won’t affect your credit score. However, you must meet the regular repayment plan by your repayment date.
Types of No Credit Check Loans
- Emergency cash loans: These types of loans are granted to cover emergency purposes. This type of loan doesn’t require a credit check and can be used to cover sudden expenses such as medical costs, overdue bills, and car repairs. The funds will be deposited directly into your account to pay for the sudden expenses.
- Bad credit loans: If you have bad credit, you can still be eligible for a loan at Cigno.
- Online loans: Cigno has made it easy to apply for loans online with its quick application. Unlike traditional lenders, you can apply for a loan from anywhere on your mobile device and submit it.
- Pensioner loans: If the money from your pension doesn’t cover other expenses, you can apply for a pension loan without any credit score checking.
Same Day Loans
Certain expenses arise out of nowhere, and a same-day loan can help you cover the cost. A same-day loan allows you to cover sudden expenses now and then pay them back later when you have enough money to do that. Same-day loans are the type of loan that you can get on the same day you apply for it.
Types of Same-Day Loans
- Quick loans for bad credit: You may be eligible for this type of loan if you have a good credit history. However, if you have bad credit, you might not be eligible for a loan. But with a quick loan for bad credit, you can get approved within minutes.
- Fast & same-day cash loans for people on Centrelink: People who depend on Centrelink for payment might find it difficult to get approved for a loan. But Cigno will help you with the exact loan amount you need.
Weekend Cash Loans
Weekend loans are small loans that can be applied for and approved on the weekend. Most lenders are only available on business days and it can be hard to get a solution to an urgent cash shortfall. Cigno partners with lenders who are available even during the weekends. You can get the loan amount on the same day you apply for it.
There are also loans for unemployed people. Cigno will act as an agent with other lenders to assist you with the loan application. If you have bad credit, you can apply for a weekend cash loan and get approved for the loan amount.
Quick Easy Loans
If you need quick cash, then an easy loan is the right option for you. This type of loan is for a small amount of money that you can lend without any stress. Unlike most lenders who require a credit check, Cigno won’t perform any credit check whatsoever.
Small Cash Loans
Do you need a little cash? Then try applying for a small cash loan from Cigno. You can get loans of up to $1000 to assist you with what you need the cash for. Cigno will help you contact lenders who grant loans to unemployed people, people with bad credit, Centrelink people, and pensioners.
Online Loans
When unexpected expenses arise, an online loan can be the right choice for you. You can apply for online loans from the comfort of your home and on any device. You can also be approved for the loan the same day you apply and get the loan amount deposited into your account.
Online loans are small amounts of money that you can borrow by applying online. There are online loans for bad credit, online loans with no credit check, fast cash loans online; and cash advance loans online.
Emergency Loans
Cigno works as an agent to help borrowers apply to a lender that provides emergency loans. Irrespective of what you need the loan for, such as medical bills or urgent bills, an emergency loan can help you with that.
These types of loans are used for emergency purposes, and they are designed for people who need them the most. You can apply for this loan straight from the comfort of your home and get approved the same day you apply.
Cash Advance Loans
This type of loan is a quick loan that is paid back on your payday on a repayment schedule. This is a fast way of getting cash before your next payday. You can contact Cigno for help regarding the loan application. Also, there is no credit check for this type of loan.
There are four types of cash advance loans, namely: fast cash advance loans, cash advance loans with no credit checks, cash advance loans with bad credit, and cash advance loans online.
Short-Term Loans
Short-term loans are small and are paid for quickly within 4–8 weeks. This type of loan gives you the flexibility to cover urgent bills when they arise. When you apply for this loan, you can get approved the same day and the loan amount will be sent to your bank account.
Small Student Loans
These are personal loans for college students. These loans help students pay for the expenses associated with their studies. The loans can be used for:
- Textbooks
- Tuition
- Car repairs
- Rent
- Utilities such as Wi-Fi or phone bills
- Medical cost
There are also student loans for students who receive payment from Centrelink and those with bad credit scores.
Loans for Vet Bills
Veterinary fees are quite expensive and are mostly unexpected. Accidents are bound to happen, and your furry little friend can get injured or worse, fall ill. This is why you should get coverage for them. However, if you don’t have coverage for your pet, you can apply for a loan to cover the vet fees and other expenses. The loan for vet bills can cover
- Check-ups
- Special diets
- Accidents
- Overnight stays
- Surgery
- Emergency treatments
- Medication
- Vaccination
- Blood tests
- Euthanasia
Even with bad credit, you can get a loan for vet bills to cover any expenses you need for your pet’s treatment.
Medical Loans
Medical bills can sometimes be overwhelming, especially if you don’t have coverage for them. However, there are other options to consider. A medical loan would be best for this occasion. They can help you get the treatment you need. They are personal loans that are mostly used for medical care bills.
This loan is the ideal option for people who don’t have health insurance, as the loan also covers an array of things. This loan works just like other loans. You can apply for the loan and get approved on the same day. The money will be deposited into your bank account the same day you apply. There are also interest rates and fees.
Borrowers have the opportunity to repay the loan in 24 months. These loans can be used to cover medical expenses and living costs when taking time off to recover fully. Plus, medical bills can be used to cover specialist appointments, travel expenses, hospital expenses, and medical equipment.
What Medical Loans Cover
- Dental procedures
- Travel expenses
- Cosmetic surgeries
- Medical treatment or medicine
- Hospital expenses
- Specialist doctors’ appointments
- Personal medical costs.
There are loan options for medical loans, such as:
- Unsecured loans: If you don’t have a valuable asset to secure a loan with, Cigno can assist you in finding a lender that will offer an unsecured loan.
- Secured personal loan: If you have an asset like real estate, valuables, or even a vehicle, you can offer them as collateral for a secured loan. It would improve your chances of getting approved and lower your interest rate.
- Short-term loan: If you are searching for a quick loan to pay off your medical bills, you can apply for a short-term loan with Cigno and get approved within minutes.
When getting a medical loan, you should consider the fees, interest rate, loan amount, repayment terms, and loan terms before applying for the loan.
Does Cigno Do a Credit Check?
Several loans at Cigno don’t require a credit check. Loans like No Credit Check Loans and Bad Credit Loans are the perfect option for people with a bad credit history. If you have never borrowed money before or you have a bad credit history, Cigno will help you find the loan type that suits you.
How Do I Qualify for Cigno Loans?
To know if you are eligible for a Cigno loan, you need to meet the necessary qualifications. You can check if you are qualified by simply filling out a form on the official website along with other important documents. Here are the documents required:
- Bank statement
- Proof of age card
- Driver’s license
- You must be at least 18 years old.
Fill out the form and submit the necessary documents, and then Cigno will gather the information and act as your middleman to get pre-approval for a loan.
How to Apply For Cigno Loans
Are you ready to apply for a loan at Cigno? If affirmative, then take note of every step provided in this segment. After educating yourself on several loans and deciding on the one that suits you, the next step is to apply for the loan. The application process is straightforward. Within a few minutes, you will be done with the application.
Please keep in mind that you must provide all the required documents before you can apply for Cigno loans.
Follow these easy steps to apply for a Cigno loan:
- Open your web browser and visit Cigno’s official website at cignoloans.com.au.
- On the homepage, tap the “APPLY NOW” button located at the top right corner of the page.
- You will be taken to another page.
- Cigno will deliver a warning about the borrowing.
- Tap the Continue button.
- Agree to the terms and conditions.
- Tap the ”Continue with Cigno Premium Service” button.
- Then you will be directed to a new page.
- Choose the loan amount and the reason for the loan.
- Enter personal details such as your name, date of birth, and email address.
- Create a new password.
- Enter your phone number and home phone number.
- Enter your address.
- Describe how you found out about Cigno loans.
- Lastly, click CONTINUE TO FINAL STEP.
Next, provide all the required documents, such as proof of age and a bank statement. Cigno will review the application form before submitting it to your lender.
Cigno Loans Login
Logging in to your Cigno account gives you access to repay your loans online, change the payment dates, and check your loan amount. To login to your account, follow the steps below:
- Open your web browser and visit Cigno Loan’s official website.
- On the homepage, tap the LOGIN button located at the top right corner of the page.
- You will be taken to a new page.
- Tap the Login To Members Portal
- Enter your username and password.
- Tap the LOGIN button.
And that is it. You have successfully logged into your Cigno account. If you are having trouble logging in to your account, make sure that you entered the right login details.
Loans Like Cigno
Other online lenders like Cigno provide short-term loans to borrowers. These online lenders are the right alternative to Cigno loans, and they include:
- Perfect Payday
- CashnGo
- Fundo
- Nimble
- Nifty
- Cash Train
- Quickle
- Today Loan
These are some of the best loan companies like Cigno Loans. You can check their official website to get more details about the lenders.
Cigno Loans Repayment
If you want to make a payment for your loan, you can head to Cigno’s official website and log into your member’s account. Once you are logged in, you can make a payment for your loan. Cigno gives borrowers the chance to repay their loans early with One Click Payout. To make your payment, follow the procedures below:
- Open your web browser and visit Cigno’s official website.
- On the homepage, tap the LOGIN button located at the top right corner of the page.
- Enter your details.
- Tap the Payment button.
Follow the on-screen instructions and make your loan payment. You can also choose to change your payment date and even postpone your payment date all on the platform right from your member’s account.
Cigno Loans Hours
Cigno is available every day of the week at all times. They are also on standby for people who would like to borrow quick cash for certain purposes. Here are Cigno’s business hours:
| Days | Opening Hour | Closing Hour |
| Monday | 9:00 am | 5:00 pm |
| Tuesday | 9:00 am | 5:00 pm |
| Wednesday | 9:00 am | 5:00 pm |
| Thursday | 9:00 am | 5:00 pm |
| Friday | 9:00 am | 5:00 pm |
| Saturday | 9:00 am | 5:00 pm |
| Sunday | 9:00 am | 5:00 pm |
The table above shows the opening and closing hours of Cigno. It would be advisable to be aware of the business hours before you apply for a loan with Cigno.
FAQs
What is Cigno Loans Contact Number?
Worrying about the loan application shouldn’t be a problem because Cigno offers easy online applications for all its loan types. Alternatively, if you need help with the loan application, you can speak to an agent by contacting customer care support. On the official website, you can find the customer care line, which will direct and guide you through your loan application.
Cigno Loans Processing Time
With Cigno, you can get a short-term loan of up to $1000 within a few minutes. As long as you are approved for the loan, you can get the loan amount on the same day you apply. However, if you reply after Cigno’s closing hours, your funds will be transferred to you the next day.