Receiving a loan

Are you in need of emergency cash?

Do you need a loan urgently…approved today, with no long wait times or paperwork?

If so, you’ve come to the right place!

With us, you can apply for an Unsecured Loan online any time of day, anywhere in Australia.

Within minutes, you can apply for up to $500.


  • Click APPLY to complete your fast online application.
  • Once approved, the loan amount can be available in your account within hours.

Please note: If applying outside of business hours, processing can take longer and funds will be available generally next business day.

Nothing is hidden. Our costs are upfront and easy to understand.

You can use our calculator to work out exactly what a Cigno loan might cost you.

To apply, simply complete our online application form here.

Alternatively, you can discuss your needs with someone who understands by calling 1300 88 23 24.

What are you waiting for? The sooner you contact us, the sooner we can assist you.

What we require

A bank statement and your personal details…that’s all!

With your permission we can access 90 days of your bank statements online with the highest security for you. No need to send through paperwork.

Please note: A secure, quick and easy way to upload your statement is through Credit Sense.

Loan Repayments

We make things easier. Repayments can be set up to be in step with your pay cycle.

We take your needs into account.

A repayment reminder is sent before as well as on Payday.

Direct debits will be set up on Payday to your account.

If you think a repayment cannot be made on Payday, please contact our Support Team.

Our job is to make repayments both predictable and painless for you.

We don’t have any hidden agendas or fees. If a repayment is late, you will be made aware of any additional fees upfront.

Remember: As soon as you pay off your current loan, you can apply for another.

Once you loan with us and we have all your information on file, applying for another loan is fast and easy. Simply call us or re-apply online through our client portal.

Over time, your credit history will improve as we learn to trust each other.

This means after time you will be able to borrow more money when you need it.

More about Unsecured Loans

Firstly, let’s talk about a secured loan…

As security, you use an asset that you own to take out a secured loan.

An asset can include a car, house (for a mortgage), yacht, caravan – generally anything substantial and large.

If you default and cannot pay back the loan, the company that loaned you the money can legally take possession of your asset.

And so, secured loans normally have lower interest rates due to the security and stability of assets.

For an unsecured loan, it’s the opposite. If you can’t repay the loan, you don’t have to use an asset as security.

What that means is, the company that loaned you the money is taking a higher risk.

We are prepared to take that risk.

A secured personal loan offers a better interest rate, however, not everyone can qualify.

For example, young people may not necessarily have a large asset in order to secure the loan.

The features of these loans are generally not much different from secured loans.

If you’re unsure about your repayments and don’t want to risk your assets, you might want to choose an unsecured loan.

We allow you to construct your  loan in the same way as a secured loan by offering a choice of repayment options.

How does it work?

Tell us how much you want to borrow.

By analysing your bank statement, we’ll figure out what kind of loan is best suited to you: a cash loan or an  personal loan.

Then we will figure out your repayment period depending on whether you want a personal loan or a  cash loan.

We will need you to provide us with bank statements for at least the last 90 days.

Please note: Use Credit Sense to upload your statement. It’s secure, quick and easy.

How much can you borrow?

This depends on:

  • Your requirements
  • Your expenses
  • Your income
  • Your financial situation and financial commitments
  • Your suitability for the loan.

We offer:

  • Unsecured cash loans from $50 to $500
  • Unsecured personal loans from $50 to $500.



  • Apply online and get a same business day response.
  • You can use the loan for any reasonable purpose.
  • Our pre-approvals have no obligation.
  • We work with you to ensure you can afford repayments.
  • You are able to plan ahead as you can make fixed repayments that won’t change over the life of the loan.
  • We offer a loan term with repayments to suit your budget.
  • No security is required.


  • Flexible loan lengths.
  • Loans up to $500.
  • Scheduled repayments in step with your Payday.
  • Flexible repayments so that you can repay your loan every week or fortnight. If you want to make extra repayments to pay off the loan early, that’s fine with us.
  • Repayments are made easy. We take all the work away from you as we utilise a direct debit facility to ensure we can set up repayments.


Only 5% of the principle is the interest charged by the lender on the advance.

The overall fees charged to you on top of the Principle with a Payday Advance are dependent on the optional services you choose. However all advances have a Financial Supply Fee that depend on repayments and an account keeping fee. These 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

To view our Disclosures and Authorisations where you can see our full fee table for any additional fees, click here.

Take the step today by simply completing our online application form. Click here to apply!

If you don’t want to apply online, please call us on 1300 88 23 24 to speak to one of our friendly staff.

What are you waiting for? The sooner you contact us, the sooner we can assist you.