How To Get An Instant Cash Loan Online

[vc_row type=”in_container” full_screen_row_position=”middle” column_margin=”default” column_direction=”default” column_direction_tablet=”default” column_direction_phone=”default” scene_position=”center” text_color=”dark” text_align=”left” row_border_radius=”none” row_border_radius_applies=”bg” overlay_strength=”0.3″ gradient_direction=”left_to_right” shape_divider_position=”bottom” bg_image_animation=”none”][vc_column column_padding=”no-extra-padding” column_padding_tablet=”inherit” column_padding_phone=”inherit” column_padding_position=”all” column_element_spacing=”default” background_color_opacity=”1″ background_hover_color_opacity=”1″ column_shadow=”none” column_border_radius=”none” column_link_target=”_self” gradient_direction=”left_to_right” overlay_strength=”0.3″ width=”1/1″ tablet_width_inherit=”default” tablet_text_alignment=”default” phone_text_alignment=”default” bg_image_animation=”none” border_type=”simple” column_border_width=”none” column_border_style=”solid”][vc_column_text]When life throws you a curveball and you find yourself urgently needing cash, you obviously want it in your account on the same day – even more so when you have to cover bills or expenses that come out of nowhere. An online loan could be the answer: they can be applied for at any time, anywhere – even from the comfort of your home.

What Is An Instant Cash Loan?

An instant cash loan is a small fund that you can borrow by lodging a loan application online. Cigno can act as your agent to assist you through our online portal. We optimise the entire process so that you can complete your application whenever you need to, from the comfort of your own home or on your phone, 24/7, with a better chance for a successful outcome.

How Instant Online Cash Loans Work

Through Cigno’s online application process, we can get you instant cash loans. Our fast cash loan approach provides a seamless way of matching you with a reputable lender. Apply for a loan from the comfort of your living room or wherever you may be. Simply submit the application form online and we do the rest for you. After verifying your eligibility, we will find you a suitable lender based on your details and the amount you’d like to borrow.

Once the lender approves your application, the funds will be transferred into your account on the same day. You won’t have to fit into the rigid hours of the banks to apply for a small loan ever again. Whether it is a big purchase, such as home renovations, vehicle purchase, educational fees, holiday, wedding event, or you just need help paying off your credit card bills; a financial emergency can pop up anytime. Cigno Loans is willing to help during such times.

Advantages of Borrowing Cash Online

The following are the benefits that an online loan offers. There are also pitfalls worth keeping an eye out for, so it’s important to learn about them as well.


  • Online cash can be paid in hours. When you apply for a loan online, you can expect delivery of the money right into your account within 24 hours of your application being approved
  • No meetings or waiting lines. Instead of being an all-day process, your application for an instant cash loan online can be addressed within minutes
  • Apply at any time. With an online application, you can get started early in the morning, before hitting the sack, or any time in between
  • Compare options easier. Weigh up your options online with just a few clicks and page swaps. The thing to look for is the company profile including a business address, good customer reputation, and a dedicated customer service team.


  • Lender’s reputation. Check the lender has a credit licence and can easily be contacted. Ensure the lender is transparent with their rates, fees, and conditions of the loan, and is not charging more than ASIC allows
  • Rates and fees. Be clear on what will be charged for late payments or a default on the loan Consider the size of the ongoing payments and make sure that you can repay the loan during the term. Otherwise, extra fees may apply to extend it. Note that repayment periods for instant cash loans are shorter than regular loans
  • Multiple applications. All of your loan applications show up on your credit report. While lenders may not consider credit history, multiple applications within a short period can have a negative impact on your credit score
  • Legal issues. Once the loan agreement is signed, you are bound to its conditions until the loan amount and any associated rates and fees have been paid.

Where to Get an Online Cash Loan Instantly

We understand that life happens. Sometimes unexpected financial emergencies occur when you don’t have the money to handle them. Cigno can help by making your application for online loans fast and easy. We can also help you learn what to do and what to avoid when looking for online loans.

  • Online Loans for Bad Credit. Cigno believes in a fair go for everyone – whether you have been bankrupt, foreclosed, or have a bad credit rating due to past financial hardships
  • Fast Cash Loans Online. Fast cash loans offer quick solutions for urgent costs, allowing you to cover unexpected expenses now
  • Online Loans with No Credit Check. Borrow money online regardless of your credit score
  • Cash Advance Loans Online. Take care of your funding needs even before payday.

Phone us today on (07) 5644 3500 to find out how we can help you. Or you can apply now!

Please consider your current financial situation before applying for a loan through Cigno. Read the privacy policy and terms of use before you make a decision regarding our products. Cigno has developed its Risk Management Program based on the new Australian and international standard for risk management.

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.[/vc_column_text][/vc_column][/vc_row]


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