Want to use your upcoming tax return a little early? With a tax refund loan, you might be able to. Tax refund loans give you a little more flexibility when you are relying on your return to cover urgent expenses.
A tax refund loan, or tax refund advance, is essentially a loan granted in anticipation of your tax refund. For example, if you are expecting a tax refund of $500, you could be granted a loan to be repaid out of the refund.
This type of loan is handy if you are counting on your tax refund to take care of urgent or unforeseen expenses around tax time. Just keep in mind the full amount will need to be repaid – even if your tax refund ends up being smaller than estimated.
On the other hand, you might be after a tax relief loan to help you pay off debts and get back on your feet. A tax relief loan is a small cash loan you can use to pay the tax debt before the deadline, ensuring you don’t get slammed by extra interest or late fees.
We use our vast experience in the finance industry to find a solution for everyone, No matter what circumstances we will do our best to help.
Cigno maintains a 24/7 online platform so we can help you find a solution that suits your needs anytime!
Our quick and easy process makes it easy to sort your finances with a solution to suit your situation and get back on with your life.
If you have been declined a tax refund loan, Cigno can help. Cigno can act as your agent to assist you to apply for a loan of up to $1000. We can represent you to a lender to set up a repayment schedule that coincides with your expected tax refund.
For more information, check out our FAQ’s.
Please consider your own circumstances before you use Cigno. Please make sure you read our Privacy Policy, Terms and Conditions and this Financial Risk Disclaimer.
Cigno is a business name of FTA Data Solutions Pty Ltd ABN 95 670 814 221.
FTA Data Solutions Pty Ltd is an Authorised Credit Representative (Credit Representative No. 552387) of Finance & Loans Direct Pty Ltd Australian Credit Licence No. 390166.
Cigno is not a credit provider or a credit assistance provider. When you complete the Information Form, you are not applying for credit or any other particular goods and services. The completion of our Information Form also does not guarantee that you will be provided with credit or any other goods and services through our network.
Depending on the information you provide to us in the Information Form, we endeavour to assist you by providing your information to our intermediary partners. Where we provide your information to our intermediary partners, we may receive a fee.
If the information you provided to our intermediary partners meets their requirements, they may connect you with a credit provider, goods and/or services provider and/or specific products to meet your their needs (depending on the information your input into the Information Form).
Any application you ultimately make through a particular credit provider or goods and/or services provider is subject to that provider’s eligibility criteria and terms and conditions. The loan, credit, product or service may not be available to every person. We do not endorse or recommend any particular provider, product or service that you be connected with or offered. All statement on this website are general in nature and do not constitute financial, credit or legal advice (or any other advice).
SMS: 0429 213 774
Email: enquiries@cignoau.com.au
Post: PO Box 1810, Southport BC, QLD 4215
ABN: 95 670 814 221
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:
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.
You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.
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