Between October 18th and October the 25th, 2019, Cigno Loans is offering reviewers a chance to win one $200 cash prize. Reviewers that had their review published in this period may have received this incentive. These reviews adhere to ProductReviews Incentivised Customer Reviews Guidelines and may explain a spike in review numbers.
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These guys get a bad rap. Though these company's are literally, the only place that will give me a loan! Thank you!
The customer service is great, I'm getting easy money strait away, couldn't be better. Very smooth system, simple.
There are expensive fees, if you don't repay in time, this is a fact. But, if you keep a tight budget and always pay, it's a real life saver when you get the mid week money blues.
As for the interest rates. They are the ssme if not lower then some other loan companies. So really, I don't know why these guy are getting a hard time, the fees are only applied when not paying back at the specified date. Apart from the obvious rate be...ing charged, there aren't any surprise fees. In conclusion, thank you for giving me the chance to have a loan when no one else did. I had not had a loan in over 5 years and when I tried again after these 5 years with still no luck! And so, when I heard about 'Cigno loans' I was instantly sceptical, but as promised they gave a fair go to the low income earner, that has bad credit and also tried everywhere else. Blessed. Sincerely A Cigno User
The reviewer stated that an incentive was offered for this review
Convenient and simple
Easy to apply, got the loan approved and in bank compratively quickly. Although a bit costly on repayments, for the convenience and simplicity of the application I am very happy.
- Verified customer
More and More terrible
do not use this service !!! do not use this service !!! what they are doing to me is gross. I paid my debt on February 10th and by mistake I paid the same amount twice. I have been waiting for a week for the refund of the money paid double. they are making fun of me .. they contact me on the phone saying that my refund has been sent and after all this time I haven't received anything yet. I wish this would not happen to people already indifficulty in the future. I am collecting feedback from other people. contact me I WANT TO DISCRET THESE PEOP...LE !! we collect the testimonies that are already numerous on the internet .. let's close these unscrupulous people for better or for worse. we will have justice from the boys. this compani is disgusting !!!!
Have you on hold for over an hour on the phone. $80 late fees!!
They are definitely a company that tries to rip the average Australian off. Do yourselves a favour and do no use this company under any circumstances. They don’t want to help
I'd rate it 1 star if I could. Was told money would be in by 1030 and cash is a no show in my account.
I'd rate it 1 star if I could. Was told money would be in by 1030 and cash is a no show in my account. Would definitely not recommend, law suit waiting to happen.
What customer service?
Get approved for a loan, upon trying to finish the application online find the repayment details are incorrect (due 2 days before I get payed).
Try to contact via customer service phone number..
Attempt 1, 26 minutes on hold moving up the cue, call drops out
Attempt 2, 38 minutes on hold get to 3 in cue then get engaged signal
Attempt 3, 49 minutes on hold, get to number 1, phone rings for a while then get recorded message again and again and again.
Aside from the highway robbery costs of a Cigno loan it seems they like seeing potential custo...mers waste time and money trying to call customer service when there is a problem with the loan contract due to their staffs inability to read a bank statement. NB; Even after sending STOP via text, I still get messages telling me I have been approved for a loan that has errors in its contract.
I took out a loan for $200 to be paid back in full in two payments, I have emailed countless times screen snaps of the two payments $168 and $161 (thats a massive $128 in interest for a one month loan) and there now saying i owe another $240 !!
CIGNO IS FANTASTIC!!!
Customer Service is Excellent. The Members Portal Works Perfectly. Costs are a bit high, but considering that I get Unsecured loans I dont mind paying a little extra. Cigno is one of the Best Lenders Out There. Fast Application and Fast Funds Into Your Account. :-)
Good experience so far
This review is for those who are desperate for fast money but are unsure whether to trust Cigno or not. As many have said the interest is very high yes but in my case where I desperately needed it, they came through for me in less than 2 hours. During the application it showed me exactly what amounts I would be paying, when it would be paid and where that money goes. It's all up front and I've used Cigno on a few occasions now. I've had nothing but a good experience with them. My payments were on the day they said. I also postponed a payment wi...thout an issue. I did have to add another $22 onto my loan but again it was upfront and my choice whether to accept or not. If you can't pay alot of interest, don't do it .But if your desperate and can pay it back they are legit. I can only tell you about my experience which happened to help me through a couple of emergencies
They make everything to get more money from you. I don't recommend, interest are huge.
they change the day of one of my payments when I call then to change back to the original date they charge me $22. be smart don't get loan with this guys. horrible costumer service, they have no idea what they doing.
Avoid if possible
Handy if you're in a spot. Loan off family/friends or sell/pawn before considering these guys. They're quick to loan you money but, interest, fees etc. are outrageous. They're really taking advantage of the vulnerable. I loaned a measly $200 and paid them back $280 so far and am still expected to paya further $269. Not worth it.
Trying to take money from my son in laws bank account and he never even took a loan out with them! He enquired about a loan over 12 months ago and never finalized it. They have attempted the direct debit in the last couple of days! He called them to query it and the details they had on file weren't his. They asked for his email so they could send him details of what they needed to lodge an enquiry. The email received requested bank statements so that the loan could be finalized!? He called them from a friends phone and now they are receivi...ng failed payment notifications. Clearly they wrote down the number he was calling from! Pretty obvious they are making dodgy application on behalf of people who have made past enquiries. ASIC and Ombusman notified. BEWARE OF THESE SCUM!!
The worst payday loan lender
Don’t care about their customers. I can never get in contact, if I need to. Every time I call I have to wait minimum 45mins. I only get automated emails, saying they contact me but never do. Interest rates are the highest of all Leander’s. My advice, stay away. You be much better off with other Leander’s
Unconscionable Double Standards
Debited massive overpayment, requiring a thirty minute phone call, with the proposed solution to take days for return of the funds. This is despite same day loan funding being available to new applications. Notably, in the reverse situation, Cigno would charge astronomical fees to the borrower.
Hardship provisions offered by any other lender seemingly do not exist at Cigno, with more fees being added instead. Paid back almost double the amount of funds received, and still owe more than original balance of the loan.
No situation is bad enough to resort to this.
I Borrowed $250.00 on the 5th of Jan this year and they added 400 on top as fees and charges, Ive made ahead of schedule payments and to make matters worse Ive been harassed since the 11th to make payments everyday. My latest email requested another payment on the 16th and so i got sick of it and paid them three payments which would make my account fully paid, but I’m still receiving payment reminders. I sent another email reminding them that I had already made payments and was informed that my last payment was still pending, and that night the...y direct debited my account. I called my bank, barred the direct debits and then sent an email threatening legal action. My bank requested the amount I received it back, how ever 1 hour later I received another email demanding another payment of 129.00.
Always an incredibly rad service
I've been using cignoloans for 3 years now & they're incredibly quick & great for emergencies, a great service If you're good at not missing payments & are responsible with your money. Because if you miss a payment like all the other comments on this, you're going to be in a lot of debt. Don't miss a payment or break their rules and you'll have a quick & reliable loan within the day & have no issues, it's that easy, they're a great service & they clearly tell you the rules before signing up, you can't expect a service to pay you money & not wan...t their money back when they asked for it, that was the agreement you signed up for, don't blame the company, for you breaking the agreement and not paying the money back when you were meant to and then complaining. If you don't think you'll miss a payment to them, then defintely use them, the money is always in your bank the same day & you can pay back in fortnights or weekly.
CROOKS ! disgusting
Seem so dodgy to me ! Approved a loan, sent contract without my approval 5minutes later get a email/ txt saying they have cancelled the loan and sent 3 more msgs for or more loan approvals and the dodgy thing was that the bank account they had under my name wasn’t even my one ! wouldn’t have a clue who’s it is ! How do i know if they cancelled the first loan so i know i’m not getting scammed for a loan i haven’t received, by the sound of it they could just take money from my account ! crooks, bloody crooks !
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Questions & Answers
I want to apply for another loan but I have forgotten my login details
Hey Stuart, go onto the Cigno loans website and click on the top right corner then click on members login. If you can remember your email address pop That into username and click forgot password. Good luck!
Dont use them the first loan will be easy the second loan they continue to take payments after your loan is paid out, they dont respond to your emails, your on hold for hours trying to speak to someone and they hang up on you, you try and block them via your bank but they gave 3 different payment ID'S that WESTPAC is aware of and continue to take, because "there waiting on your bank to release funds" ?? The advisor at my bank even told me to stay away from them they are doddgy
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