Personal loans

A loan that
puts you in

Personal loans call for a personalised experience.

What can I use this for?
We’re open minded
  • Debt consolidation
  • Car
  • Legal fees
  • Tax debt
  • Gap finance
  • Just about anything, really.

You call the shots

  • Get a rate based on credit score.

  • Choose 3, 5 or 7 years.

  • Repay weekly, fortnightly or monthly.

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.

Loan Calculator

Doing the maths is smart

Calculate your repayments on a personal loan.

  • Monthly
  • Select Loan Term
  • Exceptional
Get estimate
  • $0.00
    Monthly repayment
  • 0.00%p.a.*
    Comparison rate
  • $0.00
    Total interest


Total Repayments$0.00
Total Interest$0.00
Amount Required$0.00
Establishment Fee+ $0.00
Loan Total$0.00
Interest Rate (p.a.)10.00%


For the part of you that learns from others

The Process

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

    Personal loan

  • 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: How is my interest rate calculated?

We offer personalised rates based on your credit scores. Your credit scores give us an idea of how likely you are to pay back your loan. This plays a role in determining your interest rate, credit limit and loan terms. For secured loans, we also take into account the value of the asset you’re financing.

Q2: What can I use my personal loan for?

We offer loans for any worthwhile purpose. That might seem a bit broad, but it’s because our team handles every application individually. The most common loan purposes are cars, home improvements and debt consolidation. Whether it be a wedding, your dream car or finally getting rid of those credit cards – we want to know what you’re getting your loan for so we can share in your excitement!

Q3: How do I know I’m getting a fair deal?

We take responsible lending seriously, which means you will only be approved for a Wisr personal loan if your circumstances are suitable and you can afford to pay it back. You can check your suitability by getting a 2-minute rate estimate. Don’t worry, the rate estimate won’t impact your credit score.

Q4: What documents do I need to apply for a personal loan?

This is one of those ‘piece of string’ questions. The documents you need will be different for everyone depending on your circumstances but for a start, you’ll need:

- 2 forms of ID E.g. Drivers Licence, Passport or Medicare card – so we can get to know you as a person.

- Last 90 days bank statements – so we can understand your financial position. This can be provided to us through a secure online portal, so we can obtain the information directly from your bank.

- Payslips if required – so we can assess your ability to service the loan.


For the curious

  • Yup! Just keep in mind that you will need to have been in your current role for at least 24 months and be able to provide your most recent individual tax return and the corresponding notice of assessment from the Australian Taxation Office.


Power your Possible with a Wisr Loan this June and we’ll enter you into our giveaway where we’ll be repaying $1K off the loans of 3 lucky winners^.
Learn more
  • The boring (but important) stuff