Emergency Loans

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

Emergency Cash

Need an urgent loan? Cigno is here to help. Our financial experts will help you find emergency cash loans in Australia to cover your immediate expenses. Cigno will act as your agent to assist you to apply to a lender who offers Emergency Loans. Whether you’re struggling with this month’s bills or you’ve got unexpected medical or repair costs, an emergency loan can help you get through to your next payday.

What Is an Emergency Loan?

An Emergency Loan is a small loan of amounts up to $1,000 that gets transferred quickly to help you pay for immediate expenses. Emergency Loans are designed to help you out when you most need them and are therefore typically assessed, approved, and disbursed on the same day as they are applied for. When you need urgent loans to cover costs, you can rely on Cigno to find you a fast and convenient solution up to $1,000.

Types of Emergency Loans

Emergencies come at us unexpectedly, often leaving us to deal with immediate expenses that we haven’t prepared for. Below are the types of emergency loans that are designed to help you out in these situations, no matter what your personal situation might be.

Emergency Loans with No Credit Check
When you apply for a loan, lenders perform what is called a credit check to determine whether a loan is ideal. But when you need money the most, borrowers should have access to the emergency funds they need, regardless of their credit history. That’s why Cigno offer Emergency Loans with No Credit Check to help you deal with the unexpected.
Emergency Cash Loans for Centrelink Customers
If you’re currently receiving payments from Centrelink, you most likely have a good reason. Times get tough and it’s understandable to reach out for financial support if you’re struggling to find work or on disability payment. Whatever your reason, Cigno offer Emergency Cash Loans for Centrelink Customers to make sure those unexpected emergencies don’t make tough times, tougher.
Same Day Emergency Loans
When that unexpected emergency hits, you may not have the financial freedom to cover the urgent expenses that arise as a result, and you cannot wait several days to pay them off. That’s why Cigno offer Same Day Emergency Loans so that you can get the funds you need to pay them, fast and without the wait.
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Why You May Need An Urgent Loan?

There’s a wide range of reasons you may find yourself needing an emergency cash loan. For example:

Whatever the reason you need an emergency loan, Cigno can help.

Emergency Cash Loan Repayments

At Cigno Loans, we make it easy to repay your emergency loan. We’ll directly debit the amounts on your repayment dates, so you don’t even have to think about it. We’ll also notify you whenever this is about to happen, ensuring you always know when your repayments are being made.

As part of the application process, you will have the opportunity to choose a repayment schedule that is affordable.  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.

Cigno act’s as your agent to assist your to apply for an Emergency Loan.

Get Started Now

Simply fill out our enquiry form. Through our partner we will distribute your enquiry to a panel of providers who may be able to help you with an Emergency Loan.


Yes, you can get approval for an emergency loan if you’re unemployed as long as you’re earning some form of income which can include Centrelink payments.

We all face emergencies and at Cigno we believe help should be available to everyone that needs it which is why offer bad credit emergency loans.

With Cigno, we know an emergency won’t wait and that’s why the aim is to get your loan approved and money into your account as soon as possible, usually within hours.


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