In need of cash now? Let Cigno help you find a solution.

$50| $75| $100| $120| $150| $175| $200| $250| $300| $350| $400| $450| $500| $550| $600| $650| $700| $750| $800| $850| $900| $950| $1000|
Find A Solution Now

What is a Second Chance Loan?

Second Chance Loans are special loans geared towards borrowers previously rejected due to poor credit scores. At Cigno we understand that bad things can happen to good people and that everyone should be given a second chance. A 2nd chance loan can be issued in the belief that not all borrowers with poor credit histories are fully incapable of repayments but must be assisted to repay the loan under the agreed terms.

Why I Might Need a 2nd Chance Loan

Second chance payday loans can be used to cover some important needs, including:

Apply Now
Man looking stressed at laptop

Second Chance Loans with Bad Credit

Bad credit histories are often a major reason why lenders shoot down loan applications. However, loan applications sent to a lender via Cigno can temporarily overlook any credit history issues and the money can be furnished to the borrower quickly – but they will be guided on repaying the loan.

Second Chance Loans Guaranteed Approval

If you’re able to provide enough proof that you have relevant income streams that can help you repay the loan, your bad credit score won’t be as significant. While we cannot guarantee all loans will be approved, we can promise we will look at your application no matter what your credit history and if we cannot approve a loan for you, we will endeavor to find a lender who will. Remember everyone deserves a second go.

Why Cigno?

A company such as Cigno will help you move forward with your 2nd chance finance application, and there’s some distinct advantages:

Extensive lender links – Cigno will be able to connect you with a wide variety of lenders.
High approval rates – Second Chance Loans will have guaranteed approval, no questions asked.
Smooth application – Cigno offers a smooth online application process.
Rapid transfer of funds – Upon approval of your loan, the lender will quickly transfer the funds to your bank account in no time at all.
Apply Now

Borrowing Responsibly

Although you might be allowed to take out a 2nd chance loan, it is also a second chance for you to properly manage the funds per your original plans for the loan. Cigno will help you stay on track by:

  • Aligning your repayments with your pay cycle
  • Matching repayments to your financial capacity
  • Sending a repayment reminder on payday
  • Direct debit from your account on payday
  • Keeping you informed of any additional costs with no hidden fees or agendas.

Remember that you should only apply for a loan when you are 100% confident you can manage it responsibly. For more information, check out our commitment to Borrowing Responsibly.

How Much Can I Borrow?

Are there any requirements?

We usually need your personal details, such as contact details, address, and a recent 90-day bank statement. On rare occasions when we need more information, we will notify you and work with you to get the loan application completed as quickly as possible. Rest assured that we only ask for the information we need and keep all your data safe and secure.

Are there any fees involved?

Cigno will provide you with all relevant information regarding fees and any lender costs When you make your loan application. You can also read about these in advance on the Costs page.

Apply Now
Two people signing a contract
Cigno Logo

Apply For a Second Chance Loan

Apply for a Second Chance Loan using our online application. Your application will be processed with one of many notable lenders and once approved, the funds will be wired to your bank account.

Apply Now

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