Frequently Asked Questions

 Personal Loans are unsecured loans used for general purposes (primarily for personal, family, or household purposes). You can use one of our personal loans for everything from consolidating your high interest debt to updating your kitchen to complement your unique style. 

 A line of credit is a pre-approved borrowing limit that allows you to withdraw and repay money as needed, similar to a credit card. Unlike a loan where you receive a lump sum, a line of credit provides ongoing access to funds, and you only pay interest on the amount you actually borrow.  

 To qualify, you must be at least 18 years old and be a U.S. legal resident. You must also reside in a state where we do business. Besides age and location, qualification for a personal loan is largely based on your credit score, monthly income, and amount of existing debt, among other items. 

 Your personal loan rate is determined by your financial profile and payment method selected. Your financial profile is a made up of your credit history, yearly income, debt amount, loan term, home ownership, and number of credit inquiries, among other items. 

 We want your experience with us to be as fast and effortless as it can possibly be:
        1. Enter some basic information about yourself.
        2. Explore your loan options, select the best program for your situation.
        3. Complete your application.
        4. We'll perform any required validation of the information provided.
        5. Accept and sign the final terms and receive your money.

  We offer a variety of personal loans that you can customize to your liking. You can use one of our loans to consolidate your debt, go on a dream vacation, make a major purchase, or get money for home improvements

   Our loan programs extend from $1,000 to $25,000 and are repaid in either 36 or 60 months, (or earlier, since we have no prepayment penalties). Your individual situation will dictate the offers presented to you. Please note that we take into account your credit profile, your income, your "Debt to Income" ratio, and present offers which we believe you have the ability to comfortably repay. 

    Depending on your bank, and our ability to validate your information electronically, you may be able to receive Same Day Funding. 

Certainly! If your loan was denied because of circumstances that have changed (for example, you raised your credit score or your debt to income ratio changed for the better), there is a possibility your loan will be approved if you re-apply.  You can re-apply after 30 days from your initial application.

    Viewing your rate with us will not impact your credit score. This is because your rate is generated using a soft inquiry instead of a hard inquiry.  So, you don't have to worry about affecting your score if you're just "window shopping." When you select a loan to move forward with and we confirm your identity, we might will do a hard pull. A hard pull of your credit report will  impact your credit score a little bit.

  Please contact us before it happens, since while we might be able to forgive a late payment but your credit file might be impacted.

    Please contact us at (844) 224-4621 before you default on your loan, or even if think you might be headed that way. We're not just here to lend you money; we want to make sure you're headed toward financial stability, too! Ultimately, for accounts that do default, your credit profile will be impacted, which can affect your ability to obtain future credit. 

Yes, we charge up to 7% origination fee based on your credit profile.

No, there are no hidden fees, ever.

    We will charge an origination fee of up to 7% for personal loans. Your origination fee is determined based on your personal financial profile, and the fee is deducted before the money is deposited into your account. 

   No. There are no prepayment penalties, so you can pay more or payoff your loan anytime you want.

 Please mail checks to:

Cigna Funding LLC
2301 Laguna Circle, 

North Miami, FL 33181

Please allow 5-7 days for processing.

Click "Create Account" in "Account Login" page.

Click on "Forgot password" link from Account Login page.

  To edit your personal info:
        1. Login to your portal.
        2. From My Dashboard (on the top of the page) click My Profile button.
        4. Click  "Edit information" button.
        5. Click "Save".

You can contact us during our normal business hours (9:00 am - 5:00 pm ET Monday - Friday, and 9:00 am - 2:00 pm ET Saturday) you can reach one of our Personal Loan Experts directly by calling (844) 224-4621 . You can also email Support@Cignafunding.com anytime.