Interest rates up to 5% lower than the Big Four for strong credit 1

Wisr is Australia’s first neo-lender, providing a new way of helping Australians get a smarter, fairer, Wisr deal on personal loans.

  • Smarter - We’ve built a simple and easier way to apply for your loan.

  • Fairer - We provide personalised low rates for applicants with good credit.

  • Wisr - Borrow between $5,000 and $63,000^ with transparent terms and online tools.

Interest rates from 6.49% p.a. (7.31%3* comparison rate)












A smarter, fairer, Wisr way to borrow

We’ve helped thousands of Australians
find a Wisr way of borrowing

Value of loans funded as at end of 31 December 2020

3 year term 5 year term

Repayment Summary

Monthly Repayments

Comparison Rate

Total Interest

Vehicle Finance

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A fast and simple way to purchase your vehicle

Home Improvements

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We help you to improve your home


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Planning your trips now is much more easier

Caravans & Trailers

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A simple way to purchase your next caravan/trailer

Boats & Jetskis

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Enjoy the thrill and speed with a new boat or jetski

Debt Consolidation

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Live stress free as we help you repay your debts

Fast application

We’ve built a simple and easier online experience

Personalised rates

Our interest rates are personalised to provide you with a much fairer deal

No nasty surprises

We have one fee upfront, and that’s it! You don’t get penalised for repaying early

No Obligation Estimate

Any worthwhile loan purpose

Security may be requested for certain loan purposes

Interest Rates

Fixed from 6.49% p.a. (3 year term)
Fixed from 6.49% p.a. (5 year term)

Comparison Rates

From 10.43%p.a. ($10,000 over 3 years)2*
From 7.31%p.a. ($30,000 over 5 years)3*

Interest is calculated daily

Pay via monthly Direct Debit

Fixed monthly payment amount

No early repayment fees or exit fees

No annual fee

3 or 5 year repayment terms

You're in Wisr company.

Here's what our customers are saying.

"My bank had delivered the standard deal - 14.35% - no rate rewards for my ongoing business or good account behaviour. Wisr was able to provide a 10.75% rate to refinance my loan and the funds were received the next business day!"

Mr King

Wollstonecraft NSW

"I had a credit card debt that was going nowhere even though I was paying $500 per month. I contacted Wisr who offered me a better interest rate than what I was paying and a lower monthly repayment. Now I feel like my debt is finally disappearing."


Coburg VIC

"The team over at Wisr helped me finance my motorbike. It was a really easy process and I ended up saving a lot of money compared to what my bank was prepared to do for me - even after all the years I’ve banked with them. Great rates, great service."


Kellyville NSW


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^: Excludes any additional fees and charges that may apply, which may reduce the maximum loan amount.

#: The rate offered to consumers is based on Wisr's credit assessment. More Information

The results from loan calculator are for purposes of illustration only and do not constitute an offer of credit. All applications for credit are subject to Wisr's normal credit approval criteria.

1: This rate applies only to borrowers with strong 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. Click here to view our full rates table.

2: Comparison rate(s) based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.

3: Comparison rate(s) 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 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.