What is a Last Minute Loan?
Ever held off a payment where you thought you had enough cash only to find out you’re a deal short? Has a pipe burst in your kitchen, or your furry best friend ate something he shouldn’t have? Nothing to worry about, this is the time to apply for a Last Minute Loan with Cigno.
A Last Minute Loan is a special loan where you need to request to take out the money as fast as possible, usually within a day. The urgency may be driven by other factors, especially when other lenders have longer processing times for a loan application.
Why I Might Need a Last Minute Loan
Life has so many swerves along the way. There are various scenarios that may require a need to secure funding at the last minute:
- Repayment of bills, especially if there are unexpected additional expenses
- Emergencies (home, medical, family)
- Vehicle maintenance or repair, etc.
Last Minute Loans with Bad Credit
A bad credit history should not be a hindrance to applying for a last-minute loan. Cigno works with trusted credit providers and can arrange Loans with Bad Credit with a better chance of approval. While the cash may be released to you fast and easy, the challenge will be for you to make the repayments on time and prevent your credit score from getting worse.
Last Minute Loans with No Credit Checks
Sometimes, people want to apply for a Last Minute Loan but without the hassle of your credit history being scrutinised. Cigno will help you seek Loans with No Credit Check. While there’s no credit check, you may be required to show proof of income to assure the lender you can repay the loan.
Why Cigno?
There’s much to gain securing a Last Minute Loan with help from a company such as Cigno, including:.
Vast lender network. Cigno can put you in touch with an extensive network of lenders, some of which may be located in your community.
High chances of approval. Your loan application will have a strong chance of approval, regardless of your financial situation. All applications will be accounted for with no invasive questioning.
Seamless application. Cigno offers a quick and easy online loan application process to help you push your loan application forward.
Fast transfer of funds. Cigno’s fast support in processing your loan application with a lender will enable a fast transfer of the funds to your bank account.
Borrowing Responsibly
While a company like Cigno will do its utmost to help you secure a loan, the onus now lies on you to manage the funds responsibly and to efficiently repay it. Cigno can help you stay on track by:
- Aligning your repayments with your pay cycle
- Matching repayments to your financial capacity
- Sending a repayment reminder on payday
- Arranging for direct debits from your account on payday
Fill out our online loan application form with your personal details and submit all the requirements such as ID and your recent 90-day bank statement. Upon submission, our friendly team will process your application and will keep you updated. Once approved, you may use the funds of up to $1000.
How Much Can I Borrow?
Are there any requirements?
We will only request your address and contact details, proof of employment/income in Australia, and your bank’s most recent 90-day statement of accounts. If on the rare occasion we need further information is required, we will let know and work with you to get the application submitted as quickly as possible. We only ask for the information we need, and we keep all your data safe and secure.
Are there any fees involved?
The cost of your loan will depend on several factors; how much you’re borrowing, the time you’re taking to repay your debt and your income analysis. As responsible lenders, we believe in being up-front about our fees and have no hidden charges. The fees incurred when accessing a Last Minute Loan may vary on the amount you applied for. Check for your possible fee calculations on our Costs page.
