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.
We believe that everyone should have access to a financial solution regardless of past credit history.
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.
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.
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: [email protected]
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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