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When you apply for a loan – whether it be a small loan, or something more significant such as a home loan – borrowers tend to run what is known as a credit check. This gives them an idea of how borrowers tend to spend (or save) money, and allows them to assess whether a loan is truly a good idea for a person.

Credit checks are mostly performed to ensure that debt-prone individuals do not increase financial stress on themselves, however, there are other cases in which a borrow may have no credit history at all. Some people may also have a bad credit history, but have learned to be much better when it comes to money and are simply waiting for their credit score to recover.

This is when you may start look for no credit check loans. If your credit history is patchy or non-existent, many banks will not be willing to give you a chance. However, at Cigno Loans, we can help you find loans without a credit check – even if you’ve defaulted in the past or have never borrowed money before.

Apply using Cigno today  for our help to access loans with no credit history checks

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How Do No Credit Loans Work?

A no credit check loan works as a type of small cash loan that does not require a credit check from the lender. While this may sound a little sketchy, there are actually other legitimate ways that lenders consider your eligibility for a loan, which is particularly handy if you have no credit history to your name.

When you apply for a loan with no credit check, a lender may instead look at your income, employment status and existing debts in order to determine whether you can not only repay the loan, but also if you are suited to the loan.

Our loans without credit check ensure that you have the best chance to get a successful outcome from a lender, even if in the past you encountered:

  • Blemishes on your credit history
  • A high balance due to credit accounts or personal loans
  • Bank repossessions.

Furthermore, an application for a no credit check loan using Cigno’s service will not further affect your credit history. If the lender does not conduct a credit check, no credit enquiry will appear on your credit file.

As is the case with any loan, you will still have to meet regular repayments, including interest and fees. You will have a particular period in which to repay the loan, known as the loan term.

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What Types of No Credit Loans Are There?

These are some of the different types of loans for no credit history that we can offer at Cigno.

Emergency Cash Loans

Emergency cash loans with no credit check can be used to cover urgent expenses such as car repairs, medical costs, and overdue bills. This type of loan can be transferred to your bank account quickly to help you pay for immediate expenses.

Bad Credit Loans

Got a bad credit history? At Cigno, we believe that a poor track record shouldn’t always disqualify you from accessing loans. If you’ve made mistakes with your finances in the past, our bad credit loans with no credit check will give you a second chance.

Online Loans

Cigno’s simple online loan application makes it easy to apply for online loans without a credit check. Rather than waiting for a bank or lender to open, you can submit your loan application whenever it suits you.

Pensioner Loans

If you’re struggling to make ends meet on the pension, we offer pensioner loans with no credit check in some circumstances.

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How Much Can I Borrow?

At Cigno, we offer loans of up to $1,000. This is for a number of reasons, but one of the top reasons is so that we can quickly process your request, and so that you don’t overburden yourself trying to pay back a loan that is far too large. Our no credit loans can be used for any number of reasons, from car maintenance/rego to emergency dental and medical bills to other unexpected bills.

Are there any fees involved?

Fees may vary from loan to loan based on the terms and length of the arrangement. To get a fair idea of the expected costs, here’s our Fee Table.

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Apply for a No Credit Check Loan with Cigno

Do you find it hard to find time to get to the bank during opening hours? Hate standing in a queue, or waiting days or even weeks for your money? Cigno’s online application allows you to apply for cash from anywhere, anytime. It takes just minutes to apply loans with no credit check with us.

Applying for quick loans with no credit checks give you the freedom to pay off important expenses right away, and then sort out the debt later. Contact Cigno to arrange a fast loan with no credit check today.

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Hear from our customers

  • The process of a small loan was easy and Cigno was prompt in depositing the funds into my account. Couldn’t have been happier. They come through every time I need a small loan.
    productreview
    June 2022
  • Cigno loans, are the real deal, they understand about us living on the other side, that, we are all struggling in a different ways, that, we all are not equal, they don’t pay attention to your past mistakes, they understands, and give us all a fair go. Just wanted to say, I appreciate every little help, because, You never know how much that little help matters, tills you don’t have it’s at all, and everyone, every other lenders that you think will help when you most need it’s, says no.
    trustpilot
    June 2022
  • I’m very happy customer! They are so understanding! Evan when I payed a payment late I had an option to pay the following fortnight witch helped me out with an unispected family issue! Thanks Cigno
    productreview
    June 2022
  • This company is a fantastic company. Even though I went through a bad patch and couldn't afford any repayments, they adjusted a payment plan and it was completely affordable. No harrassment, no bad calls just help when it was needed. Massive thanks to cigno
    trustpilot
    June 2022
  • Prompt response to enquiry. Upfront with everything - no hidden or unexpected costs/fees/chargers. For a 'same-day' unsecured loan, the rate is very competitive. The staff are very understanding to individual needs. I will definately approach CIGNO again in the future when another emergency arises.
    productreview
    June 2022
  • Cigno loans have always been reliable and easy to access when in need. They have provided a quick service (money in the account within hours once granted) with clear and concise information regarding the loan terms. The fees are fair considering they are a short term loan provider when many others would not lend. Never had an issue with communications between the company and myself. I highly recommend when service is needed.
    trustpilot
    June 2022