saving for holiday money in a jar

Get a break with no budget

August 11, 2017
Budgeting, Loan Tips

When your budget does not allow for a holiday, how do you get away? The answer is planning and a bit of ingenuity. Sometimes just getting out for a day on the weekend can be enough to leave you feeling refreshed. However, do not fall into the spending trap weekends can create.

Even though weekends are only a small portion of the week, it seems like I spend a lot more money on those two days than I do on the other five days. Why? I think having unstructured time and wanting to do things with my family makes it easy to go off the rails of my budget.

Dr. Penny Pincher gives some advice on how to stay on your budget during a weekend.

It is always better to set out with a plan. Do a bit of online research during the week. Try and find an activity that is either free or doesn’t break the bank.  A new park or nature walk: let the kids run off some energy. Go for a short drive to a new neighbourhood and get some ideas to spruce up your own curb appeal at home. It can be as simple as getting a coffee or an ice cream from a buzz-worthy new restaurant.

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If you feel the need to get out of your environment for more than a day, you can start planning ahead for an annual holiday without breaking the bank. Renting out your property for short accommodation on a platform like Airbnb could negate some of your costs or you can go for an outright exchange like a house swop. Whatever you do, don’t blow your budget for a short break. Getting back on track will be harder in the long run.

If you have managed to blow your budget, don’t let it get out of hand. Cigno Loans can help. Find us on Facebook at https://www.facebook.com/cignoloansau/

female manager using cell telephone in office interior

5 Financial Apps that Will Show you How to Save Money

July 19, 2017
, , , , , Budgeting, Loan Tips
Would you like to take your money management on the go? Would you like cheap financial advice? Here are 5 apps that will show you how to save money.

5 Financial Apps that Will Show you How to Save Money

Saving money isn’t easy. Whether finances just aren’t your forte or you’re just learning how to manage them on your own, you probably have questions about how to save money.

While it seems simple, there’s a lot you need to take into account. Luckily, we have different apps to help you manage your money wherever you are!

Curious to learn how to save money in the digital age? Don’t have time to record your finances the old fashioned way? Maybe you’re just looking for some new and improved budgeting tools.

Read on. We’ve got all the answers you need.

How to save money the digital way

Gone are the days of paper and pen budgets. In today’s environment, you don’t need an accountant to help you learn how to save money.

Everything is digital, so it makes sense that budget and financial apps would go that route too!

If you want to learn to budget your money and save some, we’ve got 5 of the best financial apps available for you!

Mint

When it comes to learning how to save money, Mint is the ultimate budgeting tool.

Mint is highly versatile. It allows you to set savings goals, and it sends you daily notifications regarding your progress!

While Mint used to have a bill-paying feature, they’ve discontinued that recently in order to focus strictly on their budgeting app.

If you’re looking for an easy app to teach you how to save money, Mint is great because of how user-friendly it is.

It allows you to set up different budgets than the one that’s already pre-made. You can also use this to monitor the progress of each budget.

For instance, it can easily tell you that you’re spending more on gas or fast food than you intended. Once you look at that, you can figure out where you need to cut back.

BillGuard

BillGuard is a fantastic tool to help you learn how to save money. This app works twofold. One one hand, it helps you build a solid spending budget. Additionally, it helps keep your cards safe from any fraudulent charges.

BillGuard is super easy to use. This means you don’t have to figure out this app when you’re on the go.

The first step is to sync BillGuard to your bank accounts. It’ll be able to show you your entire balance. You’ll also get a peek at how much you’ve spent already this month.

If you’re used to dating apps, you’ll be fine with BillGuard. Swipe through the app to review all your transactions. This helps the app know that the charge wasn’t fraudulent.

If you don’t recognize the charges, swipe left. Then, BillGuard will take over to help guide you through the reporting process to get your accounts in order.

HelloWallet

Like a couple of other options on this list, HelloWallet offers you mobile apps and a desktop interface. Regardless of whether you’re at home on the road, learning how to save money has never been easier.

HelloWallet has a very simple interface, but it’s entirely secure – which is a must for any financial app.

This app boasts a read-only interface. This means that absolutely nobody can touch your money through this app – even yourself.

It also allows you to view your financial information all in one place. You can set goals and priorities, and you can take a detailed peek at your financial progress.

HelloWallet’s interface can also hold any and all financial info you have. It can track your income, checking and savings accounts, any credit cards you have, and investments. It can also keep an eye on your 401Ks, healthcare info, and more.

It stays up to date by streaming your information directly from your bank.

Since everything’s in one handy place, it lets you learn how to save money by picking out patterns in your spending habits. Once you analyze those trends, you can figure out which areas need work.

You Need a Budget

First things first, You Need a Budget is not a free app. However, it does offer a free trial for those who are eager to try it out!

YNAB takes an active approach to budgeting, claiming that the key to effective finances is just to make sure each dollar you spend has a purpose.

Oh, and you have to make sure this purpose is figured out before you actually spend the dollars.

YNAB is a very flexible app, letting you make changes to your budget when you need to. YNAB proposes that with a change of mindset and technique, it can be easy to take control of your finances again.

If you’re ready to learn how to save money and stop living paycheck to paycheck, You Need a Budget might be the app you’ve been looking for.

Level Money

Level Money is a unique app in that it helps you budget, but it also lets you know how much money you have left to spend.

This app helps you budget any spending essentials. Things like rent and the rest of your bills are handled and taken care of, and you’ll also get a target savings goal automatically.

Anything left over goes into your Spendable balance. This can help you save more money than you think.

If you’re going out, you can only really take your Spendable balance into account. Disregard everything else. Level Money tells you right off the bat how much money you can effectively spend.

Conclusion

Figuring out how to be financially independent can be a struggle. Millenials, in particular, tend to live paycheck to paycheck, but once you’re in that hole, it can be difficult to get out.

Luckily, the apps available on the market today make managing your finances an easy breeze. A quick check on one of these apps can help you figure out where you stand financially in an instant – and some of them can even help you pay any bills you have!

Have questions regarding how to save money and manage your finances? Contact us today!

You Can Get Out of Debt with These Money-Saving Tips

So you want to get a jump start on figuring out how to get out of debt?

It turns out that the Australians have around $1 trillion left in debt. This huge amount usually comes from student loans, mortgages, and credit cards.

If you find yourself being one of those thousands of Australians dealing with debt, there are quite a few ways you could give lowering your debts a fair go.

Make sure you keep reading to pick up some great money-saving tips and tricks. And, remember, if you want to learn more about payday loans and how to improve your finances, be sure to check out the rest of our blogs.

Get out of debt with these money-saving tips

Understanding how to manage money – and even save money – isn’t something they always teach in school. Don’t worry, we’ve got you covered.

Here are Cigno’s top 8 money-saving tips to get out of debt!

Cut extra costs (for now)

You will want to sit down with a pen and piece of paper and map out all of your expenses.

This means writing down your car payment, rent, and utilities. And it also means writing down how much you’re spending on extra items, like cable, clothing, and eating out.

When you’re trying to save money, cutting down will have to be the name of the game for a while.

“Luxury” costs, like cable, may have to get shut down and potentially swapped out for a much cheaper, online movie service. Get creative at home and cook new recipes instead of eating out.

As you add a new item to the list, make sure to ask yourself if this is an item you can do without for a few months. If the answer is yes, then you will want to cancel that subscription and avoid the shops.

Close or freeze credit accounts

If you have multiple credit accounts, consider closing the ones that don’t have a remaining debt.

Closing or freezing accounts stops you from being able to go out and use that card. One of the major ways a person can save money to get out of debt is simply cutting off the source!

Get a realistic budget

We all have three budgets in our minds when we think about our finances.

There’s the one we tell ourselves we’re sticking to– like only using $100 on food for the next month and $0 for going out. You’ll also have your realistic budget floating around, where you use $350 on food and maybe let yourself go out a few nights.

Then there’s your actual budget, the one you’ve really been going by for the past few years.

Seeing the (sometimes huge) differences between your realistic budget and the one you’ve been using can really shift your perspective on spending.

Work with cash

Cutting down on how much you spend really depends on how well you cut yourself off from cash sources.

One way to do this is to use your realistic budget to withdraw X amount from your checking account per week– in cash.

Spending money is a lot more difficult when you have to pull out the bills in person to count off your charges.

Similarly, you can try using the “envelope system” to really break down the cash budget that you have in your hands.

For this strategy, you will label an envelope something you’ll be spending on. You’ll end up with envelopes titled gas, food, going out, etc. The goal is to withdraw your weekly budget and split that into each envelope as you’ve budgeted.

As you spend, you’ll be very aware of how much is left in each envelope and what day of the week it is!

Prioritize

If you want to get out of debt, you’ll have to really prioritize what you’re spending your money on and how you’re living.

With multiple debts to deal with, make sure you prioritize which ones you want to tackle first.

Many people recommend taking one of two routes: pay off small bills first so you can really tackle the huge bills later or hit the ones with the highest interest first.

There are tons of options to prioritize what you’re spending money on and what debts you target first.

But you will also want to prioritize your life to really position yourself in a way that can help you save money.

This means reflecting on whether or not you should take a part-time job while you look for that dream job. It means deciding to move to a different location. It means you’ll want to prioritize what you purchase and whether or not it’s worth it at the moment.

Contact lenders and work with them

As you work on figuring out how to get out of debt, don’t be a stranger– reach out to your lenders!

Once your lender knows of your situation, they would be able to help to the best of their abilities. Maybe this means lowering your interest rates or putting together a repayment plan.

As a whole, you can save a little bit of money if you take the time to talk to the right people.

Set up automatic transfer in your bank

Do you have money coming into your checking account and –all of a sudden– it’s gone?

Chances are that the money is gone because it’s been spent. But there is a situation where money leaving your checking account can be good.

And that’s if you have automatic transfers set up. These with withdraw money from your checking account and move them to a different account, like a savings account, that you’ve set up.

Some people have different savings account for each responsibility they have so that everything can get paid off when the bill comes since the money has been accumulating automatically!

Up your shopping game

Here’s our final tip to help you get out of debt and save money.

You’ll want to up your shopping game and make the most of what you’re spending.

Couponing and taking advantage of sales is a great place to start. You can then start thinking about which items you can cut to up your health and happiness (and save money!)

You may also want to deter those impulse shoppings by telling yourself to wait a day before purchasing. Or you can adopt a mindset of thinking about a cost in the amount of time it takes you to earn that money!

When you think about it that way, is that one shirt really worth 4 hours of slogging through your time at the office?

Do you have any money saving tips we missed? Let us know in the comments below!

 

Need Cash Now? 7 Ideas to Get You Through

If you need cash now, you’re probably wondering the easiest ways to get there. No worries. Here are 7 ways you can get cash fast and get back on your feet.

We’ve all been in a bind when it comes to needing cash ASAP, but if you’re there now, we may have the answer for you.

When things don’t go your way, it’s important to have methods to make cash fast in your back pocket.

From selling crafts, to seeking a payday loan for the big bucks, we’ve got you covered.

If you need cash now, keep reading to see the 6 ways you can make your money now below.

1. Sell Stuff You Already Own

Find What to Sell

A great way to simplify and de-clutter your life while also making money is to sell things you no longer need—especially valuable, high-demand items.

Take a look around and make a list of what you don’t or won’t use or need, and see if any are commonly sold items that could bring in some cash.

These items could include but are not limited to:

  • DVDs
  • Books
  • Musical instruments
  • Collectibles
  • Electronics
  • Video games
  • Jewelry
  • Unused gift cards

Seek Out Ways to Sell Your Items

Now that you’ve accumulated some personal products to sell, look for ways to get the sales done.

Whether you want to concentrate on selling these items to friends and people you know, or customers online or in-person, you can earn some serious cash pretty quickly.

Depending on where you live, you may have various opportunities to sell your stuff.

  • Some places to consider getting rid of your goods include:
  • Yard sales
  • Flea markets
  • Online sites (i.e. eBay)
  • “For Sale” postings (online or in public places or classifieds)
  • Pawn shops
  • Online retail sites (i.e. Amazon)
  • Trade-in at stores

Pick Your Price

Next, set a competitive price for your items that are to be sold.

This final step can be a tricky one, as deciding how much you want to sell these things for can be hard.

Quick tip: if you price items at a value half of what someone would be able to buy them for anywhere else, you are more likely to make a quick sale! If you need cash now, this might be the go-to tactic for you.

Try to avoid selling items for a very deeply discounted price, unless you really need cash in a hurry.

2. If You’re Not Ready to Let Go…

Rent out what you’re not ready to let go.

Renting out your items is not only a great go-to if you need cash now, but it’s also a way to continue to make money off your items.

If you have items you don’t currently need but may need again in the future, such as baby equipment or sporting equipment, try to rent them out.

One way to go is through friends or people you know who could need such items.

Another way to rent would be online.

The website rentmine.today allows you to rent out anything you can think of!

Even if you decide not to go through the site with your rentals, check out their pages to get some inspiration for things you can rent out on your own!

If you don’t have any items you feel are worthy to rent, take a step back and consider your home itself (or at least a room).

Renting out a spare room is one of the easiest ways to make good money.

If you don’t want the commitment of having a new housemate for an extended period of time, try renting the room or an area for a night or two.

With services such as Airbnb, you can rent on a short-term basis and have total control. This means you can set the price, the rules, and the dates it’s available.

3. Whether it’s Goods or Services, Make Other Sales

In addition to selling what you already have, why not try banking on your talents?

If photography is your thing, why not sell some of your shots to stock websites?

Many sites will buy photos, usually even with a commission on every sale.

While they don’t have to be of remarkably high quality, check out sites such as Shutterstock to get inspired and see what you can sell.

Are you crafty? How about using those talents to craft some sales from your skills?

Give selling your crafts a try for some quick cash.

Whether its sewing and making handmade jewelry that’s your niche, or even baking or creating unique crafts, you’ll likely be able to find some kind of demand for it.

Try selling your creations at a local market or online via Facebook or Etsy.

Use What God Gave Ya

  • Sell your hair
  • Sell blood or donate plasma
  • Sell sperm

Other Ways to Work for Dough

  • Babysit
  • Tutor
  • Become a street performer
  • Deliver catalogues
  • Do odd jobs
  • Dog walking
  • Driving: Be a private cab driver
  • Model: Become a life model

4. Be a Friend to the Planet and Your Wallet—Recycle

Returning bottles and cans for a refund can bring in 5 to 10 cents per can or bottle.

Cans and bottles must be returned to a deposit center, but there are many ways to take advantage of such an opportunity.

First, find all the cans and bottles you can.

Collect them from around your home, check out trash cans along busy roads or anywhere where people hang out to see what you can find, or even host a bring-your-own-beverage party and hold on to all the cans and bottles that accumulate.

Then, turn them into cold, hard cash!

5. Get Online

You probably spend a lot of time on your computer or phone in the first place, right?

So why not make some dough while you’re doing it?

Try filling out surveys to make money online.

Since many merchants use survey responses to find ways of improving their marketing, they’re willing to pay for your help.

Although they usually only pay a few dollars a pop, they require minimal effort and involve quick payments.

You can also try to find small paid tasks via apps.

Several money-making apps out there are ready to pay you for either doing marketing tasks or connecting you with someone who wants a more extensive task.

Marketing tasks could include activities such as scanning products at a grocery store, while more extensive tasks could involve completing a survey.

6. Get Ahead of the Game with a Payday Loan

A payday loan, which can also be called a payday advance, is a small, short-term unsecured loan, regardless of whether repayment of loans is linked to a borrower’s payday.

The loans can also be referred to as a salary loan, payroll loan, small dollar loan, short term or cash advance loan.

But no matter what you call it, it can be your answer to some big bucks to hold you over.

Companies that offer these kinds of loans are commonly available and are a way to make the money you need quickly.

A payday loan may be just what you need in your time of need!

7. Focus on the Cash

Find focus groups in your area to bring in the bucks.

These groups of people that provide a company, organization, or individual with feedback on a product, design, idea, etc., is one way to get paid when you need cash now.

Try contacting a market research company to join a group, check out local postings, or search online on sites such as FindFocusGroups.com for some options for focus groups in your area.

Starting at about $60 for an hour and a half, it’s worth a try.

The best part? You are given cash on the night of the focus group!

What ways have you discovered to make quick cash? Tell us about your money making ventures in the comments!

 

The Complete Guide to Finding the Right Lender

November 9, 2016
, Loan Tips 3
If you’re considering taking out a short term loan, you need to find the right lender. Here’s our guide on how to protect yourself and your interests.

Short term loans can really help you get out of a tight spot.

However, it’s vital that you choose the right short term lender. Otherwise, you’ll wind up with an even bigger problem than you began with.

Sifting through all the options may take a bit of time, but it’s definitely worth it. In order to successfully navigate the field and choose the right lender, you should know what to look for and what to avoid.

Are Short Term Loans Safe?

Many people ask themselves whether short term loans are a good idea.

It’s true that there are some horror stories out there, as is the case with any type of lending (just think about people who’ve had negative experiences with even the most respected banks).

But for the most part, short term loans are a safe, highly useful loan solution.

Short term lenders operate under rules and standards established by the law. These rules are made to protect the borrower and ensure you get a fair deal.

Lenders win when they help borrowers. Providing their customers with a positive experience strengthens their reputation and keeps them in business.

So it’s not the case that providers of short term loans are “out to get” borrowers. On the contrary, short term loans make fast cash accessible to people who otherwise not be able to obtain emergency funds from traditional loan sources.

For instance, many people with bad credit qualify for short term loans, even when banks and credit unions reject them.

The reason interest rates for short term loans tend to be slightly higher than with bank personal loans is because of the additional risk these lenders take on. They typically approve borrowers without a credit check and deliver funds within 24 hours.

So, it’s a trade off. Interest that is a bit higher in exchange for flexible requirements and fast financing.

That said, it is important that the lender you select fits all the criteria of legitimacy and trustworthiness.

How to Detect Bad Short Term Loans

Don’t waste your time with scammers.

While most short term loan lenders are good, there are some that want to take advantage of trusting borrowers.

Here’s how to tell if short term loans are a scam.

Make Sure the Lender is Properly Licensed

If someone sets up shop as a payday lender, it’s because their business has been adequately certified and licensed.

If they aren’t, then nothing binds them to comply with the rules that protect the borrower. Doing business with such shady entities could put you and your money at risk.

When you find a company, look them up! The Australian Securities and Investments Commission (ASIC) holds information on the companies that have received the proper certification.

If a given short term lender does not have an Australian Financial Services Licence or an Australian Credit Licence from ASIC, this should be a red flag.

Investigate their Online “Footprints”

The internet has made it possible to gauge the legitimacy of a company by looking at its “social proof.”

Start by googling the lender. What comes up?

Make sure their website looks professional. Their address, phone number, and email should all be listed. Licensing information and terms of services should all be available.

If scam complaints appear, that should be an automatic dealbreaker.

Also look at how much of an online presence they have. Legitimate businesses have Google Places listings with reviews. They’re on Yelp, Angie’s List, and other business directories.

Does the lender you’re researching have a Facebook page with reviews, likes, and regular updates? What about LinkedIn?

Consider all of these questions as you perform your research. What you want is a thorough social profile that and ample evidence that real people have used and are happy with the lender’s service.

Don’t Trust Lenders That Ask for Money in Advance

Real short term lenders don’t ask you to give them money before they lend you money. That’s a common tactic of scammers.

The way professional short term loan providers do it is to simply request bank statements, pay stubs, or other evidence of income they can use to qualify you.

If you’re approved and you accept, the lender hands you the cash and you go on your way. You’re never required to pay anything until the term of your loan is over.

Avoid Short Term Loans with Hidden Fees

A respectable short term lender doesn’t try to play “gotcha” with the fine print.

Before you sign anything, read the terms and conditions of the contract in full. Don’t worry how much time it takes. Be prepared to walk out if necessary.

Keep an eye out for exorbitant interest rates. Find out how much short term lenders are allowed to charge in your locality. Study the industry average to be sure you’re not getting stiffed.

Use Short Term Loans that fit Your Unique Needs

Once you’ve narrowed your pool of options down to the legit lenders, go with the one whose services are tailored to your personal circumstances.

Maybe you want the convenience of online short term loans. With internet-based lenders, you can get approved and have your money deposited without ever having to leave your home.

Pressed for time? Select the service that will give you the cash as soon as you sign.

Maybe you’re currently not employed. But you have a regular income from Social Security. Choose short term loan provider that accept Social Security as a valid form of income.

Conclusion

Finding the right short term loan is an important task. Getting cash fast is important, but it’s also important not to rush into a bad deal.

Doing due diligence on the available lenders will help you find the best terms.

Create a list of options. Look them up to see what experiences past borrowers have had with those lenders.

By sorting out the unlicenced, shady businesses with low social proof, you protect yourself from being scammed.

Then, it’s just a matter of choosing from the offers that best fit your needs.

This process takes some extra time, but you’ll be happy you did it when you’re enjoying the rewards of a quality short term loan.

How to Make Your Pay Day Loan Work for You

Sometimes pay day doesn’t quite match up to when cash is needed. Enter pay day loans. Here’s how you can use them responsibly to work for you.

Pay day loans have been a lifesaver for many Australians since the economic crash of 2008. In March over 7000 Australians went bankrupt, and many in the nation are struggling to even meet their needs.

Have you ever been stuck in between paychecks with a bill collector crawling up your back? Do you feel like your pay day comes at the absolutely wrong time?

While a pay day loan isn’t a constant solution, when you are at your wit’s end with important bill payment, it might be a good short-term solution for you.

Loans are scary for anyone. Taking the wrong loan at the wrong time could land you in a world of hurt. This is why we’ve set out to compile a little bit of advice on how to make a pay day loan work for you.

1. Pay Day Loans: What are They For?

Have you been responsible with your money so far and found yourself at a dead end looking for a way out? This is a completely valid reason to take a loan.

But, you need to make sure you do have a valid reason for taking out that loan. Because if you are taking out loans unnecessarily, you will find yourself saddled with a loan you may not be able to pay back in the future.

Although pay day loans generally fall under $500, the interest rate alone might be detrimental. Interest rates on pay day loans can be as high as 400% in other countries, but in Australia, fortunately, we have laws that keep a lender from charging over 20% at the outset and more than 4% each month. We’ll later go over how much that would cost you in the long run, but, although our government protects you from greedy lenders, this is still not a number to take lightly.

Pay day loans are the lifesaver rings of the financial ship. And that’s exactly what they are for, emergencies.

For this reason, you should never borrow more than you need.

Many people in the world mask their lack of wealth by living above their means. So, you need to sit down and take stock of your finances before taking out a pay day loan.

Will you be able to pay it back? If the answer is “no,” then maybe you need to consider the alternatives.

2. Pay Day Loans: You Only Need One

As we pointed out above, $500 may seem like a small loan, but when combined with the interest rate, it is actually a large loan.

Some sleazy loan companies might try to get you to take out more than one pay day loan to satisfy more than one bill.

This is a tempting scheme, but those loan companies do not have your best interest at heart. They are only in it to make as much money off of you as they possibly can.

Again, if you need more than a $500 advance on your paycheck, then you might want to consider alternatives.

What kinds of alternatives are there?

One of the best pieces of advice I ever heard about investment was, go to your family and friends first. You might be surprised at the generosity of those you know.

The average Australian borrows $200 from friends and family every month. And this is not an unwise move.

Think about it. When you borrow from an institution or a loan company you have fees and interest rates.

Now, you may have a business savvy family member who might decide to charge you interest on their loan to you. But most family members probably wouldn’t even think to do such a thing to their nearest and dearest.

Also, have you tried negotiating with your bill collector or utility company? Sometimes, if you explain your situation, bill collectors will give you a grace period to pay them without penalty.

If you haven’t defaulted on their payments, then you may be in good graces with them.

If you are renting and you have been paying rent early each month, use this to your advantage when talking to your landlord.

Also, do you have anything laying around the house you could sell? Often times what you think might not be of interest to another person is really gold. eBay and Amazon are excellent places to make a quick dollar.

3. Pay Day Loans: Pay it Back ASAP!

Now it’s time to talk about that pesky thing we call interest rates.

Have you ever accidentally run up your credit card and found it much harder to pay back over time than you thought?

The average credit card interest rate is only about %16.9 in Australia. That’s much, much lower than the initial fee on a pay day loan.

If you were having a hard time paying off your credit card, you are going to have a hard time paying off your loan.

Using a handy loan calculator, we can see that at a 20% fee and a 4% per month interest rate, in a year you would pay over $800.

If seeing that number isn’t incentive enough to pay off your loan as soon as possible, I don’t know what is.

And remember, this is only to get you through until your paycheck comes in later that month. If you can’t pay it that month, be sure you are able to pay it within a month or two.

Most loan businesses will work with your pay structure. When are you getting paid next? Most likely the loan business will take that or the next paycheck date to give you an estimate on when they expect you to pay back the loan.

You will most likely not be taking a whole year to pay back your pay day loan. And if you are smart with your money, you will have it paid off in two pay cycles.

Conclusion: Make the Right Decision

Now that you’ve considered all the options, looked at your finances, studied up on the terms and conditions, you are ready to make a decision.

Again, stop. Take a moment to evaluate everything.

Then come on over to Cigno Loans and apply today!