Getting your advance

Do you need fast approval on cash loans? Then you have come to the right place.

Apply for a loan, anytime, anywhere in Australia with Cigno Loans.

We have repayment plans to fit any budget, tailored with the many loan options we have available.

No penalties if you you pay your loan early, with no hidden fees to be surprised with

Apply for up to $500 in minutes. Here’s how:

  1. Complete our fast and simple application form by clicking Apply
  2. our cash loan could be available in your account within hours of of the loan being approved.

Important Note: For loans applied for outside business hours, the application process may be delayed.

Our process is simple, and your privacy is always protected.

During the application process, we will guide you to only borrow only as much as you can afford to repay.

All costs involved in the lending process are detailed in advance and and simple to understand. All fees are clearly displayed.

Click Apply, to complete the step by step application online now.

If you prefer to discuss your application or needs privately, you can call 1300 88 23 24 to talk to one of our friendly consultants.

Information we need

All we need to complete the process and have your loan approved is:

  1. Your latest bank statement and
  2. Your personal details

We only use secure and safe technologies to assist you, while other companies take a lot of time to gather all the information.

Only once we have your approval and with the strongest level of security, we will begin to access your personal information.

For applicants who have more that one bank account, we will need you to provide at least 90 days of transactions for each account.

With time, we will learn to trust each over – and history will build a good long lasting relationship for your short term lending requirements.

What this means is, you will be able to borrow more money as and when needed.

Loan repayments

Loan repayments are as simple as applying for your loan.

Repayments can be made in step with your payday cycle. Options are weekly or fortnightly, depending on your income.

The calculated repayment amount is matched with your capacity to repay the loan.

Automatic reminders will be sent before Payday and on the day the repayment is scheduled.. You are always kept up to date.

Repayments are completed through direct debits linked to your nominated bank account.

If at anytime, you are unable to meet your repayment amounts, please contact our Support Team to assist with the various options available.

Its our priority to make your repayments painless, easy and predictable.

After your first loan, new loans are faster to process. Just call our office or apply as and existing client online.

Click Apply to apply online or call us on 1300 88 23 24 to complete your application in private with someone who understands your needs.

More about Fast Loans

The loans are just that, cash loans approved fast.

Your application will be returned within the hour, so there is no long waiting for any application completed.

On approval, your loan can be in your personal bank account within hours if finalised before 2:40pm

For many people who take care of their fiances, there are times when you need urgent financial help, that’s where we come in.

Get fast cash loans, for those unplanned expenses, that suddenly become urgent.

Examples of what our customers need fast cash for, include;

  • Helping family or friends in need
  • Home repairs
  • Medical bills
  • Car repair
  • Relocating

Need to take advantage of a discount or special price? You can get a loan fast to assist with these important purchases.

Our Fast Cash Loan is perfect for you in any of these circumstances, and all because we can return our loan approval with hours.

How it works

Tell us how much you would like to borrow.

We understand the need for quick cash, and have designed our systems to stream line this process for anyone

We have been in the business of Fast Cash lending for many years, and we know how to simplify and speed up the application process. Meaning you can complete the application in minutes.

For fast decisions, use our quick and easy online process. No more waiting on hold or in a queue.

No need to pay anyone to scan, photocopy or fax, we do all that paper work for you. Our online application technology facilitates the whole process.

Cash is deposited directly into your personal bank account for all approved cash loans.

How much?

The amount you can borrow, depends on the following:

  • Your expenses,
  • Current financial commitments
  • Personal financial situation
  • Your income and
  • Your suitability for the loan.

We offer:

  • Fast Cash loans from $50 to $500.


Only 5% interest on the principle loan amount Plus fees for the services you choose.

The total fees charged in addition to the principal amount of the Cash Loan depend on the optional services you choose. Its important to understand that all Cash Loans have a Financial supply Fee and Account keeping fees. Examples can be seen in the table below.

  • 1 payment loan 35% of loan amount
  • 2 payment loan 45% of loan amount
  • 3 payment loan 60% of loan amount
  • 4 payment loan 75% of loan amount
  • 6 payment loan 95% of loan amount
  • 8 payment loan 115% of loan amount
  • Account Keeping Fee $4.95 per week

View our Disclosures and Authorisations where you can see our full table of fees and any additional fees that may be payable.

Click Apply to complete our simple online application form. Call us directly on 1300 88 23 24 if you prefer to speak to one of our friendly staff members.