Personal loans call for a personalised experience, because y'know you're a person.
Special Offer
Like Deals?
If you are one of the first 200 people to successfully apply for a Wisr personal loan by 31 October 2020*, you'll have zero upfront fees. That's a saving of $595!*
What can I use this for?
Anything really.
- Debt consolidation
- Car
- Legal fees
- Tax debt
- Gap finance
- Just about anything, really.
You
call the
shots
We offer loan terms of 3, 5 or 7 years.
We offer loan terms of 3, 5 or 7 years.
We offer loan terms of 3, 5 or 7 years.
What's the go? It's easy.
- 01
Submit your application.
Answer a few questions and tell us how much you need.5 - 10 minutes - 02
We review.
We'll look over your application and get in touch to discuss next steps.1 - 24 hours - 03
You're funded!
Wisr will transfer your funds on the same business day.24 - 48 hours
Loan Calculator
Doing the math is smart
Find out what your repayments would be on a Wisr loan.
- Monthly
- Exceptional
Get my interest rate
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 local customer service team is ready to help.
Testimonials
For the part of you that learns from others
The Process
We keep it simple
Wisr uses your daily spending to your advantage. Small decisions add up quick. Trust us, we drink a lot of coffee.
- 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
Debt consolidation
- Interest rate
Fixed from 7.95%
- Comparison rate
Fixed from 8.78%
- Loan Amount
$5,000 - $50,000 ^
- Terms
3, 5 and 7 years
- Establishment fee
$595
- Features
No ongoing or early repayment fees
Eligibility criteria
- Gross income over 30,000 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
It’s important to note that not all products in the above categories are eligible for a green loan or government subsidy. Renewable energy products must meet strict standards of efficiency and performance. To find out if a specific product is eligible, it’s best to consult your green loan provider. If your product does not qualify you may still be able to fund your purchase by applying for one of our low rate personal loans.
Tired of scrolling?
Get a hold of a Wisr human in 90 seconds. Or email contact@wisr.com.au to get the help you need.
The boring (but important) stuff
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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 6.49% to maximum 19.95% . Loan example: for a borrower with excellent credit, a loan of $30,000 over a 5 year term, with an interest rate of 6.49% comparison rate 7.31% and a $595 establishment fee, the monthly repayment would be $598.48 and the total cost over the life of the loan including the establishment fee would be $35,908.80.
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.
* 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.