Christmas Gifts Or Boxing Day Sales

In ecommerce, retailers get their pre-Christmas run in until the cut off. Before Christmas even happens, they will kick off their post-Christmas / Boxing Day sales.

For retailers, Christmas is effectively over once the pre-Christmas delivery cut off past.

“We always try to err on the side of being a bit conservative and once we are no longer confident gifts will get there by Christmas, we start our sale.” — Kate Morris, founder of Adore Beauty

Boxing Day sales

With more than $25 million turn over annually, many expect trade at the retailer to be strong during the sale.

As Australia’s biggest retail body predict, shoppers will show up around the country for Boxing Day sales. With pretty good deals and offers, people do spend more money at this time.

Although sales will start before Christmas, expects Boxing Day to be busy for online trade.

There’s been a shift towards online and mobile shopping as Australia’s changing Boxing Day shopping habits. Some people still like to run through the doors on Boxing Day morning though.

To avoid stress, Australians look for the best deals before Boxing Day, so expect to see sales appear even before the day itself.

With major retail chains, sales are not limited to online. Although, the big retailers are holding out until Boxing Day.

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Holding firm

The Australian Retailers Association (ARA) expects the Boxing Day sales and the post-Christmas period to be strong.

“Boxing Day is still a very important point in the retail calendar and I suppose some try and get the competitive advantage by going earlier but the majority try and keep their margin as long as they can,” — Russell Zimmerman, ARA head

Although, also consider a chance of retail fatigue as most customers are already done with their Christmas shopping.

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Quick loans in Australia

In case you find your cash won’t suffice to the upcoming sales, you can apply for quick loans online in Australia.

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Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.


Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice –

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat