Wisr is offering a 0.25% rate discount on debt consolidation loans from 26 December 2025 to 31 January 2026! Get a quick rate estimate to see your discounted rate.
SPECIAL OFFER
Discounted debt consolidation loan rates
Rates from 6.49% ¹ comparison 7.32% ²* with the 0.25% rate discount applied.
See your loan options at no cost to you.
Pay off your loan faster with Round Up or make extra repayments any time.
Set up your repayments however works best for you.
Easily track your loan repayments, change their frequency, and more.
THE PROCESS
We keep it simple
- 01
Get a quick estimate and we’ll apply the 0.25% discount
- 02
Apply for your debt consolidation loan and upload your documents
- 03
If approved, you could receive your money in 24 - 48 hours
FAQ
For the curious
A debt consolidation loan is a loan used to pay off other debts. Not sure what we mean? Well, say you have a credit card with debt building up, or a couple of different loans and credit cards that you’re paying off, you can use a debt consolidation loan to clear them and have just one monthly repayment to manage.
Want to know more? Check out our Smart Guide, What is debt consolidation?
THE BORING BUT IMPORTANT STUFF
Terms and conditions
Rate discount is applicable to sole purpose debt consolidation loans only. Eligibility criteria apply. Your rate is subject to our assessment of your application and financial circumstances.
To qualify, you must satisfy Wisr's eligibility criteria, including but not limited to:
Are an Australian citizen or Australian Permanent Resident, or are a New Zealand citizen with a legal right to live and work permanently in Australia;
Meet Wisr’s Credit Policy criteria;
Are 18 years of age or older.
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 who do not meet the requirements for our lowest rates. Interest rates range from minimum 6.49% to maximum 24.29% 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 7.32% and a $595 establishment fee, the monthly repayment would be $586.84 and the total cost over the life of the loan including the establishment fee would be $35,805.64.
2: Comparison rates based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.* WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms may 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.