Lose interest in credit cards with rates from 8.49% comparison 9.33% for excellent credit.

Save time and money

  • One easy-to-manage loan.

  • Save on interest with a low rate.

  • Know when you'll be debt-free.

  • Crushing debt is good credit behaviour.

Loan Calculator

Doing the maths is smart

Calculate your repayments on a Wisr debt consolidation loan.

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Interest Rate (p.a.)10.00%

The Wisr Difference

Not your average lender

We’re smart, with a big heart.

  • Your rate is tailored based on your credit score.

  • You’ll get an outcome that’s right for you.

  • With no early repayment fees.

  • Learn how to keep them in shape.

  • Our customer service team is ready to help.


For the part of you that learns from others


We keep it simple

  • 01

    Get your personalised rate estimate 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 8.49% to 23.29%

  • Comparison rate

    Fixed from 9.33% to 24.05%

  • Loan Amount

    $5,000 - $62,000

  • Terms

    3, 5 and 7 years

  • Establishment fee


  • Features

    No early repayment fees

Eligibility criteria
  • Gross income over $25,000 p.a.
  • Over 18 years of age
  • No unpaid defaults last 5 years
  • No bankruptcies last 7 years
  • Not currently in financial hardship
  • Permanent Australian resident (living in Australia right now)

Q1: Why might I consolidate my debt?

You know that feeling you get when another statement arrives? It’s a bit of a bummer. We want to reduce the number of times you say “ugh, another one?"

By rolling your debts into one easy-to-manage loan, you won’t need to juggle multiple repayments. It can make budgeting a lot easier and give you a more manageable sum to repay over a set period of time. Being able to see the finish line is an excellent motivator!

Q2: How is my rate calculated?

We go proper wide-angle for this. We like to get the full story so we can offer you a rate that’s unique to you. We calculate your personalised interest rate based on a number of things – one of the main ones is your credit score. Want to know what your rate might be? Check it here in 2 minutes.

Q3: What if I have a 'bad' credit score?

We don’t like attaching negative emotions to credit scores. They’re a useful tool for us in determining your ability to repay a loan, but they’re not a reflection of who you are as a person. A ‘bad’ score doesn’t make you a bad person. It just means there’s potential room for improvement in your financial position.

Q4: How much can I borrow with a Wisr Debt Consolidation loan?

This will depend on your personal situation. As a guide, we offer debt consolidation loans between $5,000 and $62,000 with flexible loan terms of 3, 5 or 7 years. To be eligible, you must be a permanent Australian resident over the age of 18 and have a gross annual income over $25,000.


For the curious

  • Debt consolidation is the process of rolling your debts into one payment, ideally with a lower interest rate. This can be helpful if you’re struggling to keep up with multiple debts. Streamlining multiple debts into a single, regular repayment can simplify your finances and help you manage your cashflow more efficiently.

    A Wisr Debt Consolidation loan can be customised to suit your preferences. You can choose your payment frequency and loan term, as well as make additional repayments to get on top of your debt even sooner. You might also consider downloading the Wisr Round Up App to help you pay a little extra off your loan without even noticing.

  • The boring (but important) stuff