Same-Day Loans

How to get your loan

If you need cash today, for that urgent or unexpected expense, then you’re talking to the right people. Cigno offers you the opportunity to apply for a same-day loan, with no paperwork, and fast approval. You can do this online, anytime, anywhere.

Once approved, the loan up to $1000 can be available in your personal bank account within hours*. All you need to do is hit Apply to complete your online application.

*Please note clearing time to your account is subject to your bank. All applications received after 5:00pm (AEST) will only receive funds the next business day.

All our costs are displayed in advance, with no hidden fees—all outlined and easy to understand. That’s part of the Cigno service!

To find out what a same-day loan might cost, use our repayment calculator.

Information we need

What do we need? Just a copy of your personal bank statement. That’s it! No further paperwork is required.

Loan repayments

Repayments can be made with your payday cycle. This is typically every seven days.
A repayment reminder will be automatically sent two days before the payment is due. Direct debits will need to be set-up to facilitate this payment.

If you are unable to service a repayment on the payment due date, please contact one of our friendly support team members to review the various options available to you. It’s our priority to assist in making repayments painless and predictable.

And don’t forget, you are free to apply for any new or further loans on the complete settlement of any current loan arrangements. Once the initial loan has been completed, applying for new loans will be a faster and easier process, as all your information is already available in our system.

More about same day loans

Same-day loans are an easy way to get your hands on cash fast, especially when using our painless online or phone application process.

Our same-day loans are available to you if you are an Australian resident, over 18 years of age, with regular income (employed or through Centrelink).

Review your repayment amount and total payable on a same-day loan via our Costs page.

Our same-day loans are competitive because of our back-end support system. Our process is easy, fast and reliable. We use bank statements to qualify your application and will physically deposit money into your account for fast bank clearance on the day, within hours of your application*.

It’s all systems go when your application is submitted, and completed when the approved loan amount is repaid. Your nominated bank account is debited directly on an agreed schedule and you don’t have to worry about missing any payments.

Debit dates are normally scheduled on your payday, to ensure the funds are always available. This way you can plan your budget and keep on top of your payment schedule. And with our automatic reminders, you will always know when your next payment is due.

*Please note clearing time to your account is subject to your bank. All applications received after 5:00pm (AEST) will only receive funds on the next business day.

Our technology

To speed up the application process, we have streamlined our systems and integrated them with trusted partners to have bank statements upload for a quicker assessment.

A lot of time is saved when we request bank statements from your bank and prepare all the paperwork for you. We make use of the latest secure encryption technology through our third party bank statement provider, Credit Sense, to protect all your information.

Our process

The application review is accelerated with simple electronic forms
Bank statements and personal details are used to obtain your income and average expenses
Your loan repayments are calculated on our assessment of your loan suitability
Your bank statement is accessed electronically and information secured and verified
On approval, you will be notified within the hour and the cash loan will be deposited into your nominated bank account
The cash is physically deposited into your bank account. This ensures that your bank clears the funds promptly, for you to receive the funds on the same day*

*Please note clearing time to your account is subject to your bank. All applications received after 5:00pm (AEST) will only receive funds the next business day.

When a bank statement review confirms you are careful with your finances and you have regular income, you will be eligible to receive fast approval for a same-day loan.

Our systems are designed to ensure we don’t offer you a loan that you can’t afford. It’s our goal to make your life easier, not more difficult.

Dishonour fees may be charged if your budget does not go as planned and you miss a repayment. However, we understand that unexpected circumstances may arise and we are always willing to listen and help in any way we can. We urge you to contact us early and explain your situation, as fees can, and have been, substantially reduced and even waived.

It’s important to remember to contact our support team if you think you cannot make a repayment.


Gold-Silver Standard Finance Pty Ltd only charges a flat fee of 5% of the amount borrowed.

The total fees charged, in addition to the principal amount of the same-day loan, depend on the optional services you choose. It’s important to understand that all same-day loans have a financial supply fee. This fee depends on the number of payments you choose. There is also account keeping fees applicable.

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: $5.95 per week

View our Disclosures & 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.