Wisr Personal Loans



Wisr Personal Loan

Australia's first neo-lender, Wisr is a pioneer of the FinTech industry in Australia's constantly growing consumer finance market. As a technology company, Wisr is focused on creating apps, products, and services that allow Australian citizens to do more with their wealth. The company promises to render wiser, fairer, and smarter financial alternatives for all Australian citizens.

Wisr Personal Loans Rates

LendersRate of InterestComparison RateRatings
Wisr undefined Interest Rate


8.5% - 17.95%



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Pros & Cons-Wisr


  • Strict lending policies.
  • High Property Value for First Home Buyers.
  • Home Loan for Self-Employed.
  • Signup Fees.
  • Customer Support.


  • Strict Age Restrictions.

About Wisr Personal Loan

Wisr is a Non-Banking Financial Company (NBFC) with its headquarters set in Sydney, Australia. Wisr personal loans are offered in the form of both secured and unsecured personal loans and are disbursed in a matter of minutes. Applicants can borrow unsecured personal loans amounting between $5,000 and $64,000 for a term ranging between three and seven years. Applicants can borrow secured personal loans amounting between $5,000 and $79,000 for a time ranging between three and seven years. Repayments can be made on a weekly, fortnightly or monthly basis.

Features & Benefits of a Wisr Personal Loan

The easy Wisr finance contact is not the only attractive feature of Wisr personal loans. The following features and benefits add to its likeness. 

  • The interest payments will remain constant during the term of the loan. This makes repayments easier to estimate.
  • Applicants’ credit score determines their interest rate. They’re more likely to get a reduced rate with a strong credit score and good credit behaviour. However, it will be greater with a history of bad credit.
  • The payments can be made weekly, monthly, or biweekly, depending on what works best for an applicant’s budget.
  • The repayment tenure ranges between three to seven years.
  • There is no penalty on early repayment of the loan.
  • There are no ongoing monthly or annual fees.
  • The fixed interest rate ranges between 8.79% p.a. and 21.04% p.a.
  • The establishment fee is $595.

Who is eligible for a Wisr personal loan?

Applicants must check their eligibility before applying for a Wisr personal loan. The applicants must be: 

  • at least 18 years of age
  • a permanent Australian resident
  • free of loan or credit card defaults for the past 5 years
  • employed and earning an annual income of at least $30,000

How do you apply for a Wisr personal loan?

Wisr personal loans can be applied for using the online modes available to a customer. The following steps must be followed.

  • Visit the official website of Wisr. 
  • Click on ‘Get personalised rate estimate’ on the homepage under the ‘Personal Loans’ section.
  • Click on the ‘Apply Now’ option and answer the questions.
  • Upload the required documents.
  • Sign on the dotted line.
  • The loan amount will be disbursed within 24 to 48 hours.

Documents required for Wisr personal loan

Applicants will be required to provide specific papers throughout the application process. It's a good idea to have these on hand before applying for the Wisr personal loan. The online applicants will be required the applicants to produce digital copies. The following documents are required to apply for the loan:

  • Form of ID: Australian Driver's Licence, passport or photo ID card
  • Recent payslips or some other proof of income
  • Employment details: Employment details over the past 3-5 years
  • Bank statements: Proof of cash flow as well as proof of savings
  • List of assets: Cars, house, notable possessions etc
  • List of debts: information regarding any existing loans, credit cards or outstanding BNPL balances
  • List of living expenses: a general outline of regular payments, including rent or mortgage, groceries, utilities, transport costs, bills, school fees, etc.

Customer Service Wisr personal loan

Wisr Finance contact is a customer service that aims to assist customers if they come across any issues while applying for Wisr personal loans. A customer can reach out to Wisr personal loan customer service in the following manner. 

E-mail ID: [email protected]  Phone No:1300 992 007

Wisr Personal Loan Calculator

A Wisr personal loan calculator is an online tool that helps borrowers calculate how their payments will be divided when they take out a Wisr personal loan. The calculator can also be used to assess the impact of making additional payments and changing the loan term. This AI tool asks users to choose between the loan type, amount, repayment period, loan term and credit history. Once the information has been entered, the calculator will calculate the estimate in a matter of seconds.

Frequently Asked Questions

What is the interest rate of a personal loan in Wisr?

The fixed interest rate ranges between 8.79% p.a. and 21.04% p.a.

What is the minimum and maximum loan amount for a Wisr personal loan?

Applicants can borrow unsecured and secured personal loans amounting between $5,000 and $64,000 and between $5,000 and $79,000, respectively.

What is the loan term for a Wisr personal loan?

The loan terms available to the borrowers are three, five and seven years.

How can I calculate my Wisr personal loan repayments using the loan calculator?

The loan calculator asks users to choose between the loan type, amount, repayment period, loan term and credit history. Once the information has been entered, the calculator will calculate the estimate in a matter of seconds.

How does Wisr customer service support customers with their personal loans?

Wisr customer service understands the client’s problems and helps them resolve them by guiding them throughout the process.

What happens if I miss a payment on my Wisr personal loan?

There is a late payment fee of $25 if you miss your payment on Wisr’s personal loan.

Can I get a Wisr personal loan if I have bad credit or no credit history?

Yes, you can get a Wisr personal loan if you have bad credit or no credit history. However, your interest rate will be high.


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