Between October 18th and October the 25th, 2022, 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 ieatwordss Incentivised Customer Reviews Guidelines and may explain a spike in review numbers.
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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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LMBVictoria
- 2 reviews
- Verified customer
absolutely disgusting,
Sent a contract electronically to sign stating pyts were $79 pf, however they are taking $149, and that's what shows in member area of portal, tried to phone to discuss why contract I signed is different, 4 hours waiting on phone first time only to have call disconnected at 5pm their time, second time 3 hours 10 minutes to have the same thing happen again, next time 4 hours 10 minutes and still apparently 27th in the cue-and expecting that again it will get to closing time and will be disconnected. Looks like a call to AFCA and ASIC and media t...Read more
o expose fraudulent financial dealings, a contract is a contract! You cant put one amount on a contract then another in your system! So for $300 will end up paying $596 back, yet even that figure in the portal is different! Just a fraudulent rip off.
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Lazy K.
- 2 reviews
Stay away not worth it
Borrowed small amount and due to fees and charges I've almost paid 3x the loan amount. Highest fees and charges. Be careful if you miss a payment the hammer you with fees. Customer service just refers you to their contract.
Look at other providers like credit24 sunshine loans and money spot. They are the best ones who reschedule no fees or issues. If anything very small fee.
Avoid cigno at all costs.
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SamSydney, NSW
- 9 reviews
Avoid
They are like leeches. Once you contact them, they will not stop contacting you even though you demand it. I have tried several times. When you ring, you cannot get through. They charge exorbitant interest rates. Typical shysters.
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Amy ChanSydney, NSW
Repayment
I am about to sign contract but there are 2 contract for me to sign? I have asked Cigno loan but they ignored my inquiry. All they said to sign contract.
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No Star GIVEN... full of Crap! STAY AWAY!
High Interest Rates, a ripper! They deduct the payout amount amount twice in my account. If you try their service then you must be really desperate. They scam people thinking they can help.
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NeoGreater Melbourne (Outer), VIC
- 7 reviews
Rip off be aware.
My son borrowed $500. Unfortunately lost his job due to illness and his financial situation was obviously not good. Cigno added an extra $700 of fees and charges. When I requested confirmation of what these fees and charges were, I was shocked to find they had charged $50 dollars per reminder of payment fee, claiming they had sent several paper reminders. This was totally untrue, they have outright lied and I told them straight, he has never received paper statements or reminders. All correspondence has been done via email. I never heard b...Read more
ack from them and they had forwarded his outstanding amount to the collections agency. Had they just accepted the fact that they were charging $50 dollars per email NOT paper and amended these ridiculous charges, I would have been happy to pay something towards his outstanding loan until such time he is better and gets back into work. They are a rip off. Even their interest charges are daylight robbery.Similar opinion? Write a review on ieatwords.com.au!
Lissy J.Darling Downs, QLD
Funds were never deposited although approved.
Loan was approved, funds were never deposited. Essentially been scammed and now have to contact lawyer so that I don't get charged for a loan I did NOT recieve. So I'm not sure I have been scammed but I will not be paying for something for nothing.
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Follow the rules and you'll be fine
This is an excellent company. Of course, it is a predatory lending company, but if you follow the rules which are made perfectly clear and pay the exorbitant fees on time, you won't experience any issues. This is for emergencies ONLY. They always come through with the cash, but if you're not prepared to follow the rules, you'll pay the price several times over.
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TruffsMetropolitan Adelaide, SA
FRAUDULENT AND NOT LEGIT
I contacted to enquire (silly me) got sent a member access password before I was even approved and wouldnt let me log in. I sent several requests for resetting passwords and to have someone contact me and never received an email, phone call nothing! I then had it come up oh my credit file that I have an active loan with them when I never received the funds and funnily contacted them and was politely advised I will have this removed for you and send you confirmation this has been actioned. Suprise suprise, nothing! So I have now gone down the path of making a formal complaint to AFCA and again Suprise suprise their ABN and Business name doesnt come up! This will not be the last of my complaint!
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OttoWestern Australia
Illegally taken money out my account left me broke hungry and homeless
Taken money of $247 out off my account only to findout they have no rights to do so as my loan should have been finalised a fortnight earlier with my previous repayment. I'm on disability, and on my 40th birthday I been left broke an dx hungry and now I have been evicted from my home so I'm homeless. Monday just gone on my 40th bday, I had rung for a loan as on my last pay on the Thursday before Congo took $247 out of my account and come monday it still hadnt finalised my loan so i could reapply for another as its my 40th. Two working days ...Read more
for payments to clear but from Thursday to Monday and still couldn't get a loan, spent 3 hours on hold as I was hung up on 3 times and literally they just didn't care. I wanted my loan finalised after two working days so I could get another, on my fourth go I finally figure out why, my loan was already finalised the fortnight earlier and Congo helped them selves to another $247 already taken out before my pay so my account was in minus as my pay was about to go in. I couldn't stop this from happening. Untill late Monday after questioning all this, 2 different people apologised to me as I got hung up on again by the first and had to ring again from beginning. So on my 40th birthday, Monday the 2nd December, I had no cash, but was told that my $247 refund of overpayment would take 3/4 working days to be in my account, was told Friday the latest. And i had no other choice but to apply for another loan to have funds for the week. Since it was my 40th I had taken a $300 loan and have to pay $447 back on my next pay in 10 days time. Even though they illegaly stole from me and owe me $247 and left me broke. So they loaned me $300 within 2 hours it was in my bank, yet I'm waiting on a refund from them for 4 days. Friday comes and no $247. Im left hungry and broke, and have less then a week to move after being evicted. Now again i try ringing up and i was hung up on 3 times and on the 3rd time i was refused to speak to a manager. I was told 2 different stories each time I rang, I was laughed at, insulted and hung up on 4 times even by a manager by the end of this. Untill on the 4th attempt I got through to a manage who just didn't even care but spoke to me like a robot just repeating himself saying I will be reimbursed and they will process my refund in the next couple working days. That's what I was told on my birthday on the Monday, now Friday, and I'm crying on the phone as I'm hungry and have nowhere to move to as I m now homeless, apparently nothing he could do, that they are sorry and offered me a 10% discount on my interest on my last $300 loan i had to take on monday which out of my $447 repayment in 10 days time equals to $14.70 . So I only have to pay back $429.30. This insulted me even more. They owe me money after stealing to the point that i have to get a loan to get by from which they charge interest on and I'm now after 7 days still waiting on my refund from them thieving from me and there us nothing they can do. I told the manager my situation as I was hungry, havnt eaten in 2 days. No homeless and left still hungry over the weekend. I said I was suicidal over this situation as I had hunger pains and nowhere to move to or move my things. I begged them to even extend my loan limit by $ 40 so i can get a $40 loan and eat over the weekend. And no theres nothing he can do he repeated to me for over 20 minutes as i was again hung up on by this so called manager who sounded half asleep. Is this how in our coutry we treat people on a disability pension? Im about to do something that i really shouldnt have to do,, and go beg people to buy me a loaf of bread. While I'm being stolen fro. By this Congo company, humiliated, and they are making money from their apparently a mistake they call it, I call it stealing and charging me interest after giving me no choice but to make a loan, so I'm being absolutely used. Humiliated and laughed at by them, I have it all recorded as I recorded all these phone calls. How is this even legal??? Apparently they don't have to obey by our Australian laws that other loan places with low interest rates have to. I couldn't get a loan from like cashies or anyone else as I had claimed a hardship in the last 6 months. However the only ones Cigno were legally allowed to lend,.. . absolute finish, that people are being treated like this. Disgusting. I'm still hungry right now as I cannot feel up to begging for money and I'm unable to work.Similar opinion? Write a review on ieatwords.com.au!
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RockyGreater Melbourne (Inner), VIC
Criminals
Hi all. Do not use these guys for a loan. I got a loan and had to repay more than double back. These guys are greedy crooks. Stay away from these bent crooks. Made my life hell
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Fair GoAU
- 2 reviews
Where is the government on this, no ware to be seen.
You ask the question "would you recommend Cigno Loans and if the answer is no, how could we improve?
Well, here are some suggestions,
Refund all the money you stole that wasn't strictly part of your filthy terms and conditions, you know stuff like charging dishonor fees and then dishonor processing fees days before the payment was even due.
And if you do take the payment on the correct nominated day how about only taking the agreed amount.
Send people actual payment schedules by mail.
Perhaps not continue to debit customers bank accounts...Read more
after there lone is settled in full, and on this matter not make customers chase and chase you to retrieve that money, and let's not even bother mentioning the lies you say about refunding the customer tomorrow, tomorrow and so on or that they have to wait for a bulk refund transfer day to come around. And If that customer is in financial distress because you wont refund the money, offering them another loan is a low life scum act by the way.Similar opinion? Write a review on ieatwords.com.au!
BokkerlessGreater Melbourne (Outer), VIC
- 7 reviews
- 1 like
One of the lowest forms of scum this company right here
Sell your soul... you will save money this not worth the headache I received a loan through company have not missed any repayments this company is virtually uncontactable Interest on the repayments is disgusting the way they take advantage of people is disgusting and aparently I have applied for a second loan over my dead bodys dead body!.........the fine print looks pretty and and the loan application process is quick but this all apart of their smoke and mirrors to get you in the door my warning would be to go over the agreement with a fine tooth comb or even better do not give this company your time of day!
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Best place for loans
Love everything about the place and how easy it is to recover a loan good and easy step by step instructions to receive your loan application I would refer all my friends
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James TMetropolitan Adelaide, SA
- 15 reviews
Unethical and untrustworthy
These guys slug you fee after fee. I missed a payment they added a huge fee. I argued it with them and stopped paying to it was resolved which after 12 months it's still not and my $250 loan is now at $1300 to repay. They are not getting a cent more than What I originally owed despite the crap they are trying to pull. They are the most unethical lender I have ever had dealings with.
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gabi1959Connewarre, Victoria
- 18 reviews
Crooks
OMG. I cant believe this thieving company. I have proof via their emails and snapshots of zero balances but they keep adding fees. I have oaid extra but now i have withdrawn money from the bank theyve been stealing from. I have lodged a complaint with consumer affairs and ASICS. My mother is also having issues. These crooks dont want you to close your account. Look at the other comments here and you'll see they do this. They cam keep trying to withdraw as these mongrels arent getting anything more from me
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Super!
One of the best loaning companies possible especially when you are in need for emergency purposes and on the day! I can say I have had a good experience with them.
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satanistcore
- 4 reviews
Very fast, if you are a snail that is
couldn't long into the member area to check anything even doing pass recovery it said the account was wrong they fast to pre approve but after that nothing another waste of time like wallet wizard
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SiaSydney, NSW
This company is a RIP OFF.
Never will i Loan from you again. I only borrowed $200 and i had to pay back almost $1000. Because was late with some payment you have added more interest. This company is a waste of time. You dont even have contracts you guys ARE RIP OFF'S
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Questions & Answers
Missy mooasked
Hi,
I paid out a loan and took out a new one today. No funds to be seen and now I contact the portal and says I have a random balance owing and repayments for no reason? (Which isnt this new loan!) Can i please have this rectified!!?
No answers
stuart farquharasked
I want to apply for another loan but I have forgotten my login details
2 answers
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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