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Payday Advance Loans

Have some urgent expenses coming up, but payday is still weeks away? Cigno acts as your agent to assist you in applying for and getting approved for a payday advance loan. Once approved, the money is usually disbursed on the same day to meet your urgent needs and keep your head above water.

What Is a Payday Loan

A payday loan is a small amount of money used to cover urgent expenses and then repaid on your next payday. Getting a loan before payday enables you to pay for things that arise unexpectedly such as untimely bills, medical costs, and repairs. Does this sound like your situation? Cigno has you covered.

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Payday Loans for a Range of Circumstances

At Cigno, we act as your agent to assist you in applying for a payday loan that suits your situation. However you may receive your paycheck, there are a variety of reasons why you may be in need of a payday cash loan. Whether you’ve got bills piling up or an accident has left you with costs that you didn’t budget for, we will find a short-term solution that gets you through to your next payday.

Payday Loans with No Credit Checks

Have you never borrowed money? Or is your credit history patchy? As your agent, we can help you find an online payday loans with no credit checks.

At Cigno, we regularly assist our customers to apply for payday loans with no credit checks. We have unemployed customers, customers on Centrelink, and customers with poor credit ratings.  As their agent, we have been able to help them all to find a suitable solution!

Payday Loans with Bad Credit

Bad Credit? Cigno can help. We act as your agent to assist you in applying for payday loans with bad credit. We will help you apply for a lender who considers credit history to be history.

It is generally important to keep your loan applications and rejections to a minimum as most lenders will record applications on your credit file and other lenders may take this into account when assessing your application.

Small Payday Loans

Sometimes a little extra cash is all you need to get through the week until your next payday. That is when a small payday loan from Cigno can come in handy.

After all, most payday loans are small amounts of money used to cover incidental and urgent expenses like bills, groceries, medical appointments and even car repairs. However, they are not suitable for larger and irrelevant purchases such as buying a new car.

Same-Day Payday Loans

If you are searching for a quick payday loan, chances are you cannot afford to wait days to be approved and receive the money after you absolutely needed it.

That’s why with Cigno as your agent, we will assist you to not only apply for a quick short-term ‘payday’ loan but in most cases, lenders will approve the loan and disburse it to your account on the same day as you apply.

Payday Loans for Unemployed People

Time spent between jobs can be financially challenging and life expenses do not wait for you to find your next job, meaning a lot of banks and lenders will be reluctant to lend to you.

That’s where Cigno comes in to help. We act as your agent to assist you in applying for payday loans for unemployed people, so you can stay on your financial feet until your next opportunity comes around.

Payday Loans for Centrelink Customers

Have banks turned you away because you are receiving Centrelink payments? It happens all the time and it doesn’t seem fair which makes getting a payday loan approved while on Centrelink a frustrating process.

But it is not impossible, because Cigno can help you get approved. Speak to us today about how we can help you apply with a lender who offers payday loans for Centrelink customers of all kinds.

Why Choose Cigno?

  • High Approval Rate! – We use our vast experience in the finance industry to find a solution for everyone, No matter what circumstances we will do our best to help.
  • 24/7 Online Platform! – Cigno maintains a 24/7 online platform so we can help you find a solution that suits your needs anytime!
  • Emergency Cash When You Need It – Sometimes waiting days (or even weeks) for a loan just is not good enough. Through Cigno, our solutions can result in a clear cash in your account within hours*
  • Short Application Process –Our quick and easy process makes it easy to sort your finances with a solution to suit your situation and get back on with your life.

It is important with all loans that you make sure you can afford the repayments before entering into any agreement. If you cannot, you should consider other options.

Cigno specialises at finding a suitable solution to meet your needs, whether that be a loan option or another financial solution.

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Apply for a Payday Loan Today

Say goodbye to waiting and hello to a hassle-free payday loan with Cigno’s online loan application

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FAQs

How long do payday loans stay on your credit file?

Payment history information remains on your report for 2 years, while the credit enquiries themselves (i.e. when payday lenders check your rating) stay for 5 years.

Can you have two payday loans at once?

This is possible with some lenders.  However, it is best practice to pay off your existing debt before applying for a new loan to ensure you do not end up with a debt problem. If you are using the Cigno service and have an active loan, you will need to have repaid the loan in full before we can assist you in applying for another loan.  Once the active loan is paid you can apply again immediately.  There is no cool-off period.

Are there any payday loans that don’t do credit checks?

Yes.  We can assist you to apply with a lender who does not require a credit check.

What is the interest on a payday loan?

In general, every lender will have its own distinct costs of borrowing, whether it be fees, interest, or a combination of both.  It is important that you fully understand the costs of borrowing before you enter into any loan agreement. If you choose to use Cigno’s service, we will provide you with all relevant information regarding the lender costs before you enter into any loan agreement with the lender.  You can also read more on our Costs page.

What happens if a payday loan is not paid?

If you cannot make a payment on time, it is very important you get in contact with your lender to set up a payment schedule that you can afford.  Defaulting on payments will generally incurred additional costs which can get out of hand very quickly and could result in enforcement action and negative implications for your credit history.

If you choose to use Cigno’s service and you are unable to make a payment on the due date, all you need to do is let us know.  We will assist you to put in place a new, affordable payment schedule to ensure that you are able meet your obligations and still be able to afford your everyday expenses.  This way you don’t end up with a debt problem.

Do Payday Loans Hurt Your Credit Score?

The biggest factor that will negatively impact your credit score is failing to make repayments on time. However, every lender has a different assessment criterion as some lenders will view the presence payday loan applications on a credit file negatively and may decline an application as a result.  On the other hand, repaying your payday loan promptly will generally be viewed by lenders positively.

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