Alternatives to Cigno Loans in Australia


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Personal Loans are available to all states of Australia. Most of our customers are from Sydney, Melbourne, Brisbane, Perth, Gold Coast and Sunshine Coast areas.

Alternatives to Cigno Loans in Australia

In Australia, the demand for quick, accessible financial solutions has led to the rise of various short-term loan providers, with Cigno Loans being among the well-known names. However, due to their high fees and sometimes controversial lending practices, consumers are increasingly seeking alternatives that offer more transparent, flexible, and fair financial products. In this context, a range of other loan services have emerged, offering advantages that are worth considering.

For those in need of immediate financial assistance, the Australian market presents several alternatives to Cigno Loans that promise not just rapid access to funds but also a more user-friendly experience. Services like,, and have gained popularity for their efficient processing, transparent policies, and customer-centric approaches. These platforms cater to a broad spectrum of financial needs, from minor cash flow shortages to significant financial undertakings, and have established themselves as viable options for individuals looking for swift and reliable financial assistance.

Understanding the nuances of these alternatives is crucial, as each service offers unique benefits and potential drawbacks. For instance, some prioritize speed and minimal paperwork, while others focus on offering competitive rates and flexible repayment schedules. The diversity in services means that consumers can find tailored solutions that best fit their financial situation, whether they have a stellar credit history or are working to improve their credit score.

Taking a closer look, stands out for its rapid processing and wide range of loan amounts. This service is designed for those in urgent need of cash, offering a streamlined application process and the possibility of receiving funds on the same day. This makes it an attractive option for emergencies or unexpected expenses. However, the convenience of fast loans often comes with higher interest rates, making it important for borrowers to assess their repayment capacity before proceeding.

On the other hand, operates as a broker, connecting applicants with a network of lenders. This approach allows for a wider range of loan products, catering to different financial needs and circumstances. The advantage of such a platform is the ability to compare offers and find the most suitable terms. However, the variability in lender terms and conditions means that applicants must be diligent in understanding the details of their loan agreements. also offers a notable service by facilitating quick and easy access to a variety of loan types, including both secured and unsecured loans. Their platform simplifies the process of finding a loan that matches the borrower’s requirements, with fast response times and the potential for same-day approval. This service caters to those who value efficiency and convenience in their loan application process.

Beyond these, the Australian market is home to other reputable loan providers like Nimble Loans, Sunshine Loans, and Ferratum Australia, each offering distinct advantages and services tailored to different financial needs. These alternatives to Cigno Loans not only provide the necessary financial support but also foster a more competitive and consumer-friendly lending environment.

In conclusion, while Cigno Loans might be an option for quick cash, the growing market of alternative loan services in Australia offers a wealth of options that can be more aligned with consumers’ financial health and needs. Exploring these alternatives allows individuals to make informed decisions, potentially finding solutions that offer better terms, lower costs, and a more transparent lending process.

If you’re looking for alternatives to Cigno Loans in Australia, you’re in luck. There are several reputable services offering quick, flexible, and user-friendly loan options. Here, we’ll explore some top alternatives, including,, and, among others.

Cigno Loans Alternatives

Services Offered:

  • Quick cash loans from $400 to $50,000
  • Fast application process, with potential for same-day fund transfer


  • Flexible repayment terms
  • Loans tailored to individual financial situations
Fast processing and approvalHigher interest rates for instant loans
Wide range of loan amountsCredit check required

Services Offered:

  • Small personal loans ranging from $500 to $10,000
  • Medium personal loans up to $50,000


  • Quick online application
  • Connects borrowers with a variety of lenders
Broad network of lendersFees and terms vary by lender
Suitable for a range of financial needsNot a direct lender, so experiences can vary

Services Offered:

  • Personal loans from $300 to $10,000
  • Secured and unsecured loan options


  • Simple online application process
  • Fast response times, with potential for same-day loan approval
No paperwork requiredMay have higher interest rates for bad credit loans
Wide range of loan amounts and typesSecured loans require an asset as collateral

Other Relevant Alternatives

  1. Nimble Loans
    • Quick and easy online applications for small to medium loans.
    • Flexible repayments and instant decisions.
  2. Sunshine Loans
    • Offers loans up to $2,000 with straightforward terms and quick turnaround.
  3. Ferratum Australia
    • Provides short-term microloans and personal loans with fast approval and minimal paperwork.


Q: How do these alternatives compare to Cigno Loans? A: These alternatives often offer more flexible terms, lower fees, and a broader range of loan amounts. They also tend to have more transparent lending practices.

Q: Can I get a loan with bad credit from these alternatives? A: Yes, many of these services offer loans to individuals with bad credit, but the terms and interest rates may vary depending on your credit history and financial situation.

Q: How fast can I receive the loan amount? A: Depending on the lender, you could receive your loan amount on the same day you apply. However, this depends on the individual application process and the time of submission.

Q: Are there any hidden fees with these loan services? A: Most reputable loan services will disclose all fees upfront. However, it’s important to read the terms and conditions carefully to understand any potential charges.

In conclusion, while Cigno Loans might be a familiar option for quick cash in Australia, there are several alternatives like,, and that offer comparable, if not better, services. These alternatives provide a range of options to suit different financial needs, with the added benefit of transparent terms and conditions.


What is a Cash loan?

A cash loan is a short term loan which can be paid off over a short period of time upto 12 months

How much can I borrow?

You can apply for $400 to $2,000. The lender will tell you how much you qualify for when you application.

Fast Loan Approvals

Loan requirements are minimal. Your loan pre-approval is just a few clicks away.

Quick Cash in Minutes

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1

How It Works

If you have a cash flow problem is your best solution. A simplified application and

Is my personal information secure?

We use the most up to date and technologically advanced equipment and software to protect your privacy.

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Eligible Borrower:


A payday loan or cash advance is a short term loan. It provides the consumer with the needed cash to use until their next payday, or over a 12 month period. The loan, plus any applicable fees, is paid back on the consumer's next payday (This can be extended if required)

  • 18 years of age or older.
  • Australian Permenant Resident.
  • Valid check or savings account with direct deposit.
  • Regular income of at least $1,000 per month.
  • Bad Credit or Centrelink Customers are welcome to apply. (Centrelink)
  • *All Loans are subject to an assessment of suitability and affordability.

If approved, electronic transfer can be in as little as 4 hours. Most bank transactions will be received within 1 business day, although certain banks can take up to 48 hours to show the credit

Before you get started owned and operated by Fish4Loans Pty Ltd | ABN 89 603 132 618 | Australian Credit Licence Number 474107

Register online from home on your PC or from anywhere using your mobile device

If your application is succesful you will be presented with a loan offer subject to terms and conditions shown on the offer.

We are a Licensed Finance Broker. We do not provide any kind of credit facilities. Your request will be referred to a third party that you can deal directly with.

You will be advised of the 3rd party lenders fees and charges before signing your contract. We may receive a small fee (amount unascertainable) from these third parties for the referral.

It is recommended that you take independent legal and financial advice before taking up any products that you are referred to.

Frequently asked questions

Normally within 24 hours of application approval. Bank holidays, weekends and certian banks can impact delivery time up to 48 hours

Our lenders costs are the same for all states. They charge an establishment fee which is 20% of the loan amount you borrow plus a 4% monthly fee.

Yes you can. Your credit score does not always play a factor in most of our lenders decisions.
All our lenders will perform credit checks but bad credit will not always preclude you from obtaining a loan

The loan amount and any fees will be electronically deducted from your bank account on the due dates. You do not have to do anything.

Please speak directly with your lender if you have any issues paying back the loan.

Fill out the easy online application and submit it. You are under no obligation at that point. You will be able to see the loan offer before agreeing to it.

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