Get a personalised rate estimate in 2 minutes that won't impact your credit score.
What can I use this for?
We're open minded.
- Debt consolidation
- Car
- Legal fees
- Tax debt
- Gap finance
- Any worthwhile purpose, really
You
call the
shots
From 8.49% 1 Comparison 9.33%2* for excellent credit.
Borrow from $5,000 to $62,000 over 3, 5 or 7 years.
Pay it back weekly, fortnightly or monthly.
Loan Calculator
Doing the maths is smart
Find out what your repayments would be on a Wisr loan.
- Monthly
- Exceptional
Get estimate
Details
| Total Repayments | $0.00 |
|---|---|
| Total Interest | $0.00 |
| Amount Required | $0.00 |
| Establishment Fee | + $0.00 |
| Loan Total | $0.00 |
| Interest Rate (p.a.)1 | 0.00% |
The Wisr Difference
Wisr isn't your average lender
Your rate is tailored based on your credit score.
You'll get an outcome that's right for you.
With no ongoing or early repayment fees.
Learn how to keep them in shape.
Our customer service team is ready to help.
Testimonials
For the part of you that learns from others
The Process
We keep it simple
- 01
Get your personalised rate in 2 minutes
- 02
Apply online and get a response right away
- 03
Upload your documents
- 04
Sign on the digital line
- 05
Get your money within 24-48 hours
Product features and fees
- Loan Purpose
Any worthwhile purpose
- Interest rate
Fixed from 8.49% 1 to 23.29%
- Comparison rate
Fixed from 9.33% 2* to 24.05% 2*
- Loan Amount
$5,000 - $62,000
- Terms
3, 5 and 7 years
- Establishment fee
$595
- Features
No ongoing or early repayment fees
Eligibility criteria
- Gross income over $25,000 p.a.
- Over 18 years of age (sorry kids)
- No unpaid defaults last 5 years
- No bankruptcies last 7 years
- Not currently in financial hardship
- Permanent Australian resident (living in Australia right now)
Help Centre
What we get asked
Wisr offers loan amounts between $5,000 and $62,000. Plus, get a personalised interest rate, no early repayment fees or exit fees.
Check your credit scores with Wisr
If you use your credit cards responsibly, you can certainly maintain good credit scores. Head to your dashboard now and see where you stand.
The boring (but important) stuff
Registered member of the Australian Financial Complaints Authority for dispute resolution | Partnered with Equifax . for credit reporting | Full-site HTTPS, AES-256 data encryption.
1: This rate applies only to borrowers with excellent credit histories. Wisr will also offer loans at higher rates to applicants with good histories, but do not meet the requirements for our lowest rates. Interest rates range from minimum 8.49% to maximum 23.29% Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 8.49% comparison rate 9.33% and a $595 establishment fee, the monthly repayment would be $627.56 and the total cost over the life of the loan including the establishment fee would be $37,653.35.
2: Comparison rates based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.
3: Comparison rates based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.
4: Comparison rates based on $10,000 secured loan, fixed over 3 years, with monthly repayments.
5: Comparison rates based on $30,000 secured loan, fixed over 5 years, with monthly repayments with a total loan amount compared to the vehicle asset valuation less than or equal to 130%.
* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Note: All rates mentioned on this website are calculated on a per annum basis.
Partnership Disclosure: Wisr Finance is a personal loan lender which has partnered with a third party, AccessPay. For every personal loan taken out by applicants referred to Wisr Finance by AccessPay, AccessPay may receive a financial commission.