Cash Advance Loans

In need of cash now? Let Cigno help you find a solution.

What Is a Cash Advance?

A Cash Advance loan is a quick, small loan that is repaid on your payday or over multiple paydays on a repayment schedule. It is a fast way of getting emergency cash when you can’t wait until your next payday. Having repayments set on your paydays makes paying back on time easy!

We will act as your agent to assist you to apply to a lender that offers Cash Advance loans that are typically cleared in your account on the same day. With a speedy payday advance, you can stop stressing about those unexpected expenses and get on with life.

Bad Credit?

We believe that everyone should have access to a financial solution regardless of past credit history.

Cash Advance Loans for a Range of Circumstances

Life does not always go as planned. We get it. Whether you have got unexpected medical costs or an unfriendly electricity bill, a Cash Advance loan could be the answer. Cash advance loans can be useful in a wide range of circumstances – from getting emergency repairs on your car or house, to buying a replacement for a broken phone. Whatever the reason you need a cash advance, Cigno can help.

Fast Cash Advance Loans
Payday lenders can help by providing a short term loan to get you through to your next payday.

Fast cash loans provide temporary solutions for immediate costs, allowing you to cover urgent expenses now and pay back the money when you have got the funds to do so. Cigno processes all applications quickly and once approved you’ll receive your money on the same day!
Cash Advance Loans with No Credit Checks
Looking for cash advance loans online with no credit check? Cigno can help. Our financial experts are experienced in finding short-term loans of all types of circumstances. We act as your agent to assist you to lodge an application with a lender who does not require a credit check.

Get in contact with Cigno today to find out how we can help you – whatever circumstances have led you to need an online cash loan with no credit check – no judgement
Cash Advance Loans with Bad Credit
A financial crisis can happen to anyone. Whether you have been bankrupt, foreclosed, or have a bad credit rating due to past financial hardships, Cigno can help!

We believe that everyone should have access to a financial solution regardless of past credit history.
Cash Advance Loans Online
Our online portal is available 24/7 so you can access us anywhere, anytime.

Getting a cash advance loan online is a convenient and contemporary way to get money fast. Cigno can help you find an online financial solution that best fits your situation. Contact us today to find out how.
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Cash Advance Loan Repayments

As part of the application process, you will have the opportunity to choose a repayment schedule that is affordable and corresponds with your payday.  It is important that you choose the repayment schedule that you can afford while still being able to pay your ongoing everyday expenses.  If not, then you should consider other options.

We use direct debiting so you don’t even need to think about your repayments, but we also send reminders so you know exactly when the repayments will come out of your account.

If during your loan, you cannot make a repayment when required, just let us know.  We as your agent will arrange a new affordable payment schedule that best suits your needs. Once you have repaid your loan, Cigno can assist you to apply for future loans whenever you need them.

See if Cigno can Help Find You a Cash Advance Loan Solution Today.


For more information, check out our FAQ’s.


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