Tax Loans

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

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.

What is a Tax Refund Loan?

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.

What is a Tax Relief Loan?

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.

Why Choose Cigno?

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.

Find a Provider for a Tax 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