How it works.

Apply online, from anywhere, at anytime.

Easy application

Our quick and easy online application takes 2 minutes. Fill it in. Upload a recent bank statement. Hit apply!

Fast approval

Once approved, we’ll email your agreements. Have a read and agree to the terms online.

Receive cash

The cash will be in your account within two hours of finalisation.*
*Please note: This will depend on your banking institution. Applications finalised after 5:00pm (AEST) will receive funds by the next morning.

Service repayment calculator.

Choose the amount you’re after, and our calculator will show you the associated costs.

Lender Fee
Service Charges
Fortnightly Repayments
Approximate Total
Minimum Term
Maximum Term
Annual APR
*Please note, for simplicity we have created this repayment example using a minimum and maximum term of 62 days and over 3 fortnightly repayments. To get a more accurate reflection of what the Cigno service may cost you, simply complete an obligation free application today.


Sometimes questions are more important than answers. — Nancy Willard

Who is Cigno?

Cigno is a specialist when it comes to facilitating and managing short-term cash advances up to $1000. Unexpected bills? Short on cash this month or in need of a short-term financial boost? We’re here to help!

What's the cost of a loan?

Loans from Gold-Silver Standard Finance cost a flat fee equating to 5% of the amount that you borrowed. The fee is charged on the day that you take the loan and is payable as part of your repayment schedule. Extra fees and charges are applicable if you choose to use Cigno services.

What happens if I miss a repayment?

Here at Cigno, we understand that sometimes the unexpected occurs. Therefore, we do not charge a default interest rate or place a listing on your credit file.