Wisr review
Personal
Best suited for borrowers with a clean recent credit file who want repayment flexibility and app tools to pay the loan off faster
Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. See our Credit Guide.
Advertised rates
7.44% - 25.09% p.a. personal, 8.24% - 20.74% p.a. secured car (all fixed)
Comparison rate from 8.27% personal / 9.77% secured car*
Approval speed
Immediate online response; funds typically within 24 - 48 hours, same-day possible
Credit-profile fit
Clean recent file required: no unpaid defaults in the last 5 years, no bankruptcies in 7 years, income over $25,000. Lowest rates apply to excellent credit histories.
Pros & cons
Pros
- No early repayment or exit fees
- Weekly, fortnightly or monthly repayment choice
- App tools (Booster, Round Up) built to pay the loan off sooner
- Secured borrowing up to $147,000
- Fixed repayments for the whole term
Cons
- Establishment fee of $595 - $655
- $10 monthly account fee on car loans
- Excludes unpaid defaults within 5 years and bankruptcies within 7 years
- Lowest advertised rates only for excellent credit histories
Key features
- Fixed rates for the life of the loan
- Borrow $5,000 - $62,000 unsecured or $10,000 - $147,000 secured
- Terms of 3, 5 or 7 years with weekly, fortnightly or monthly repayments
- Free Booster Payments and Round Up app features to pay the loan down faster
- 2-minute rate estimate with no credit score impact
Fees
- Establishment fee $595 (personal) or $605 - $655 (car)
- $10 monthly account fee on car loans, nil on personal
- No early repayment or exit fees
- Late payment fee $30
Frequently asked questions
Who is Wisr best suited to?
Based on our review, Wisr is best suited for borrowers with a clean recent credit file who want repayment flexibility and app tools to pay the loan off faster.
What are Wisr's rates?
7.44% - 25.09% p.a. personal, 8.24% - 20.74% p.a. secured car (all fixed). Rates and fees are current as at 28 July 2026 and are subject to change by the lender at any time.
What fees does Wisr charge?
Establishment fee $595 (personal) or $605 - $655 (car). $10 monthly account fee on car loans, nil on personal. No early repayment or exit fees. Late payment fee $30.
How fast is Wisr's approval?
Immediate online response; funds typically within 24 - 48 hours, same-day possible.
What credit profile does Wisr accept?
Clean recent file required: no unpaid defaults in the last 5 years, no bankruptcies in 7 years, income over $25,000. Lowest rates apply to excellent credit histories.
How do I apply through Wisr?
Start a Loanseekers enquiry and we compare Wisr against 70+ lenders for your situation. The initial check does not affect your credit score, and our specialists manage the application to settlement.
See if Wisr suits your situation
One enquiry compares Wisr against 70+ lenders for your exact position. No obligation, no impact on your credit score to enquire.
This is general information only, not personal advice; we have not considered your objectives, financial situation or needs. Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. Approval is subject to lender criteria. See our Credit Guide.
Rates and fees current as at 28 July 2026. Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. 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.
Think something on this page is out of date or inaccurate? Tell us via our complaints and disputes page.
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