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What Is a Short-Term Personal Loan?

Sometimes expenses and purchases cannot always wait until your next payday. When life throws you a curveball that you cannot afford right now, a Short Term loan could be the answer.  Short Term loans provide temporary solutions for immediate costs, allowing you to cover urgent expenses now and pay back the money when you have got the funds to do so.

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.

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Our Process for Short-Term Loans

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.

As part of the application process, you will have the opportunity to choose a repayment schedule that is affordable and corresponds with your payday.  It is important that you choose the repayment schedule that you can afford while still being able to pay your ongoing everyday expenses.  If not, then you should consider other options.

It’s convenient, fast and easy!

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Get a Short-Term Personal Loan with Cigno

Are there any requirements?

Typically, we will only require your personal details such as your address and contact details and your recent 90-day bank statement.  If on the rare occasion we need further information is required, we will let know and work with you to get the application submitted as quickly as possible and we’ll only ask you for the specific information we need to find you a suitable solution.

Are there any fees involved?

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

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Short-Term Loan Repayments

As part of the application process, you will have the opportunity to choose a repayment schedule that is affordable and corresponds with your payday.  It is important that you choose the repayment schedule that you can afford while still being able to pay your ongoing everyday expenses.  If not, then you should consider other options.

Loan agreement on a table and dollars.
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See if Cigno can Help Find You a Short-Term Loan Solution Today.

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FAQ

Can I get a short term loan with bad credit?

Cigno acts as your agent to lodge applications with lenders who consider your credit history as history and will consider short term loans for those with bad credit.

How long is a short term loan?

A short-term loan is usually paid off within 4-8 weeks, depending on what is best for you.

Do short term loans affect your credit rating?

Every type of loan can affect your credit score in some way and by not paying your repayments on time, it can be affected negatively.

Can I get a short term loan without a credit check?

Yes, Cigno loans will always forward your short term loan application to lenders who provide loans with no credit checks.

For more information, check out our FAQ’s.

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