Frequently asked questions.

Need an answer? Find it below!

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!

Our focus is to provide a quick, easy and quality loan management service and enable every Australian access to a short-term financial solution. We believe in giving everyone a fair go and will do our best to assist our customers in every situation by considering all applications.

Our quick, easy and non-invasive application process provides customers with a user experience that’s second to none.

We always encourage our customers to only borrow when you need to, and what you can afford to repay.

No, Cigno acts as an agent to help you obtain a loan from other lenders. Currently, our choice lender is Gold-Silver Standard Finance Pty Ltd.

No, if you do not want to use Cigno’s services, simply select Option 1 during your loan application and you will be referred directly to Gold-Silver Standard Finance Pty Ltd.

We do not receive any commissions or payments for referring you; we think it’s important that you have the right to choose the right product for you.

Our office hours are Monday to Friday, 9.00am to 5.00pm Australian Eastern Standard Time. We are closed on weekends and public holidays. If you apply for a loan during these times, our team will address them as soon as possible.

Note: All times are Australian Eastern Standard Time (AEST).

Feel free to contact us via any of the following methods:

Phone 1300 88 23 24 | Fax 1300 66 14 15

All existing customer applications made while a loan is still active are assessed on a case-by-case basis. We do however, always try our very best to help our customers. Please get in contact for further information.

Direct debit payments generally take two working days to clear into our account.

Yes, it’s all part of our service! Every time you borrow using Cigno as your assistant, you’ll be emailed your repayment dates. We also send an SMS reminder two working days before payment is due.

Don’t forget that it’s still your responsibility to remember when your payments are due.

Yes, you can! Any changes can be requested via the customer portal or over the phone. The latest changes can be made is by close of business on the day before the payment is due.

Unfortunately, we cannot stop a payment the day it’s due, as they are all sent to the banks for processing by our third party direct debit provider early morning on the due date. Once the payment has been uploaded for processing, there’s nothing we can do to stop it from being attempted.

If your payment fails, or if you think it might, it’s very important to contact us to prevent or minimise dishonour fees. Unpredictable things occur, but we can only assist you, if we hear from you.

Our preferred method of payment is via direct debit. This way, we eliminate the hassle of manual payments and we’re able to remind our customers when payment is due.

Depending on circumstance, we are able to accept other forms of payment via direct deposit or electronic transfer, money order or debit card (additional fees apply).

The cash loans that Cigno helps you to apply for are designed to be a short-term solution. You should only ever borrow as little as you need and look to pay it back as quickly as you can.

The maximum term of our advances is 62 days, and the first repayment must be within 20 days of the advance being taken.

Loans from Gold-Silver Standard Finance Pty Ltd 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’s services.

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.

However, it’s important that you contact us prior to a payment failing to change or postpone the payment, even if the payment has already failed. Remember, we are here to help, not make things worse. So, get in touch!

We do charge fees, which are determined by the number of defaults associated with a particular account and the collection procedures required. We may attempt a lessor or greater amount on the subsequent payment to ensure payment clears.

If we do not receive contact or are unable to contact you via our collection practices, you may be referred to an external debt collector. 

View our fee table.

If you choose to utilise our same-day deposit service, you could have the funds in your account within hours, once approved. If you choose our cheaper option, you will receive the cash advance by 11:00am (AEST) the next day.

If you choose to use Cigno’s services, we can help with cash advances up to $1000. This is determined by your income and ability to afford the repayments. This information is gathered using your bank statement.

Once you are an existing customer, it becomes easier to apply for a loan as long as your circumstances don’t change. You need to maintain a good payment history, and if so, we may be able to increase your maximum loan amount.

We review and consider all applications made and endeavour to help where we can.

Credit Sense is a third party provider that supplies Cigno with your bank statement using Internet banking. We require a bank statement to assess your application.

We do not keep your Internet banking credentials. Your credentials are encrypted when you enter them, passed to your bank to gain access to your transaction history, and then permanently deleted. If you need to resubmit your bank statement using Credit Sense, you will need to re-enter your Internet banking credentials.

At Cigno, we strive to make the application process as streamlined as possible. When a financial emergency strikes, you don’t have time to meet face-to-face with an agent. Apply online, on a desktop, tablet or phone, from anywhere in Australia.

Get the ball rolling. Apply now.

Qualifying is simple! Fill out our quick application, which tells us who you are and the best way to contact you. We also need a bank statement demonstrating regular income and your ability to afford the loan repayments and service fees.

Cigno is a responsible service company. We are not a lender. However, part of our service to you includes conducting a preliminary assessment of your circumstances to ensure any loan you apply for is suitable for your needs.  

We may ask for other personal identification to confirm your qualification. This may include your passport number, driver’s licence, proof of age card, birth certificate, etc.

Note: Bank accounts must be in your name and cannot be online savings accounts or online only accounts.

No time at all, allowing you to get back to the important things in life! Our fast application only takes a few minutes to complete.

Once your application is received, we’ll process it, and let you know within hours whether you’ve been approved. All applications received and approved before 2.40pm (AEST) can receive funds the same day depending on the service you choose!

Applications over the phone may take a little bit longer but are still an incredibly simple process.

It’s important we have up-to-date contact information. You can update contact information via our customer portal, or call us and we can assist you over the phone.