Where To Get A Personal Loan Fast?

A personal loan is one of the best loans to get in a wide range of circumstances. Unlike mortgages and car loans, which are restrictive by name, a personal loan can be used for just about anything – whether that’s to cover an unexpected bill or a much-needed holiday. But where is the best place to get a personal loan? We’ll explore the factors of simplicity, speed and fairness to explain why we believe the answer is right here at Cigno Loans.

Getting a Loan with Cigno Is Simple

The internet has made a lot of tasks easier. And thanks to our online application, one of those tasks is getting a cash loan.

With Cigno, you can apply anytime and from anywhere – from home, while you’re at work, or while you’re out and about.

This means:

  • No waiting for the bank to be open
  • No travel required
  • No standing in queue
  • No uncomfortable conversations.

We provide a modern and convenient way to apply for quick cash when you need it, because getting the best instant loan online should be easy.

Getting a Loan with Cigno Is Quick

There’s nothing worse than waiting anxiously for money that you need as soon as possible. Some institutions can take days to review your application and then more days to transfer your cash. At Cigno, we know that getting your money quickly is essential. When you apply with us, you’ll get an answer within hours. You’ll likely receive your money the same day too (if approved before 5pm AEST). This can make enough difference to stop a bill going overdue or allow you to make an important purchase sooner rather than later.

Getting a Loan with Cigno Is Fair

To put it simply, the best place to get a personal loan is somewhere that will consider your application in the first place. While some banks and lenders will automatically reject applications based on credit history, the team at Cigno welcomes everyone. We work with lenders who offer bad-credit loans and loans with no credit checks, which means our approval rate is impressively high. When you apply with us, you know that your application will be considered fairly and honestly, because we believe everyone deserves a chance. Rather than doing an intrusive check into your credit history, Cigno only asks for your basic personal details and a bank statement to help us understand your current situation. This is typically all we need to process your application.

When is Cigno Loans not the best place to get a personal loan?

Everyone’s circumstances are different, and sometimes our financial products may not meet your needs. For example, we’ll recommend looking elsewhere if:

  • You need to borrow more than $1,000 in a single loan.
    • Cigno Loans offers a maximum of $1,000.
  • Your application gets denied.
    • Our approval rate is high, but there are some situations where we might be unable to get your loan approved.
  • You’ll struggle to repay the loan on time.
    • Borrowing money may not be the solution you need right now. Consider calling 1800 007 007 to speak with an independent financial counsellor for free.

If you feel that Cigno is indeed the best place to get a personal loan, our friendly team looks forward to receiving your application and assisting you. You can start your application here or get some helpful advice on our blog.

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.


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 – Moneysmart.gov.au.

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