Payday Loans

Obtaining your loan

When unexpected bills arise, sometimes you can easily find yourself short of cash to cover them before payday. That’s where Cigno comes in. We are here to help. You can get up to $1000 paid directly into your account.

  • No charge, quick & easy online application
  • You can select your repayments
  • No fuss, fast approval process
  • Need it fast? Get same day funding for loans approved before 5:00pm (subject to your bank)

No need to worry about bad credit. Our high approval rate is a reflection of our willingness to accept all applications, because, everyone falls on hard times and needs a helping hand occasionally.

We assess your needs, income and expenses to assist you in applying for a loan that is tailored to suit your needs. For peace of mind, contact us today.

To complete our easy online application form, click Apply.

Details we will need

In order to process and approve you loan we will require:

  • your personal details
  • a recent bank statement

Our safe technology is in place to help you gather this information in an efficient and secure manner. Your information is accessed strictly with your permission only, using the highest security measures.

For multiple bank accounts receiving income, you must provide 90 days of statements for each account.


Setting your repayments is simple. Compared with other loans, we can help you to apply for small short-term loans, which can generally be repaid over a shorter time period.

The majority of the loans that we can help you with are typically repaid over 4 to 8 weeks. Repayments are set on an individual basis to occur in time with your pay cycle, and at a rate that is compatible with your income and capacity.

We keep you well informed every step of the way with regular reminders on the days your repayments are set to be debited from your account. If for any reason you believe the payment can’t be met on your payday, contact our friendly support team.

Our aim is to help your budgeting by making your repayments predictable and effortless. We value our returning customers, and aim to make your returning experience even easier by securely retaining your previous information.

All you have to do is jump on our Member Portal.

Information about payday loans

A payday loan is a small loan with repayments set to run in time with your payday. Being an easy and fast method of receiving small amounts of cash make payday loans extremely popular in Australia.

Making repayments correlate with your payday means it’s easy to repay your loan on time, every time. Want to know what your repayments and total payable on a payday loan will be?

By analysing your bank statement, we are able to offer a service that’s quick and easy. With an application that only takes minutes, and a response time of less than an hour, you can stop worrying and get on with life.


Gold-Silver Standard Finance Pty Ltd only charges a flat fee of 5% of the amount borrowed. If you choose to use Cigno’s service, there are other fees and charges applicable for the service.

View our Disclosures & Authorisations where you can see our full fee table for any additional fees.

Take the step today by completing our simple online application form. Apply now! What are you waiting for? The sooner you contact us, the sooner we can assist you.

Credit history

Our customer base varies from employed individuals with a steady income who can afford their repayments to those on Centrelink payments. We ordinarily do not perform credit checks.

Our clients are approved based on an assessment of their bank statement. We help our clients apply for payday loans up to $500 with our average loan being repaid over 4 to 8 weeks.

Occasionally, we may require more information for first-time clients, however once we have your information, this process become significantly quicker.

All we need to get started is a copy of your bank statement, displaying your income and ability to meet repayments. It also ensures we have the correct details to deposit the cash into your account.

For multiple bank accounts receiving income, it is essential to provide 90 days of statements for each account.