Wisr Car Loan

Things to consider

Wisr is Australia's first neo-lender, an independent and fully online lending institution, which aims to offer its clients a smarter and fairer form of finance. These loans have personalised rates based on its customers' credit histories, with competitive rates offered to customers with strong credit ratings. Its rates start from as low as 8.59% p.a. with a 10.12% p.a. comparison rate and you can apply for up to $147,000. This rate is fixed and you can use the funds for a new or used car, as well as other vehicles and even other purposes.

Features of the Wisr car loan

There are a number of features you can expect from this loan:

• Loan amount. A Wisr car loan is available from $10,000 to $147,000.
• Interest rate. Rates start at 8.59% p.a. with a comparison rate of 10.12% p.a. and have a maximum interest rate of 15.49% p.a. Rates are personalised according to the applicant's credit history.
• Loan term. Wisr's car loans are offered on terms from 3 years to 7 years.
• Flexible. This car loan be used for a variety of vehicles.
• Quick application. The online loan application only takes a few minutes and your application will be reviewed within 24 hours.
• Quick funding. If approved, you'll have the money in your account in 24 to 48 hours.
• Automatic repayments. Repayments will be direct debited from your nominated bank account.

Fees and charges

Borrowers can expect the following fees and charges with a Wisr loan:

• Establishment fee. Wisr's standard establishment fee is $605 for refinance and dealer sale $655 private sale for applications submitted through Finder. T&Cs apply
• Late payment fee. If you make a late repayment, you will be charged a fee of $25.
• Dishonour fee. If there isn't the money in your account for a repayment, you'll be charged a dishonour fee of $2.75. Please note that your bank may charge additional fees for missing a direct debit payment.
• Monthly fee. There's a monthly fee of $10.

However, successful applicants will pay:

• No early repayment penalties. Repay your loan early and save money on interest over the life of the loan.
• No annual fees. There are no annual fees with this loan.

How you can apply

If you're ready to apply for a Wisr loan simply click "Go to site" and submit an application. You must meet the following criteria in order to qualify:

• Be over 18 years old
• Be a permanent resident of Australia
• Have a gross income of over $25,000 p.a.
• Have no unpaid defaults in the last five years
• Have no bankruptcies in the last seven years
• Not be currently experiencing financial hardship

You'll also need to have the following documentation to hand:

• Your driver's licence number
• Your current address
• Details of your employment

If you want to apply for this loan, you can do so by clicking "Go to site" and contacting Wisr directly. Wisr also offers an option to calculate your personalised rate, free of charge and with no effect on your credit score, prior to submitting an application. Remember to always compare car loan options thoroughly before submitting an application in order to find the best possible financial solution for your circumstances.

Compare car loan providers

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
OurMoneyMarket New Car Loan Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate from 6.52% p.a. depending on the lender you are approved with. Apply for up to $300,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.
Simplify New Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
loans.com.au - New - Variable Rate Special Variable3 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 6.24% to 7.74%	Comp. Rate (p.a.) 7.36% to 8.85%	Application Fee $400	Monthly Fee $8	Monthly Repayment $630.83	Go to siteMore Info Compare
Credit Concierge New Car Loan Fixed1 - 7 Years $10,000 - $100,000	Interest Rate (p.a.) 6.29% to 16.45%	Comp. Rate (p.a.) 7.41% to 17.91%	Application Fee $553	Monthly Fee $10	Monthly Repayment $637.97	Go to siteMore Info Compare
Simplify Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.19% to 18%	Comp. Rate (p.a.) 6.6% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $622.21	Go to siteMore Info Compare
OurMoneyMarket Used Car Loan - No Vehicle Age Limit Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee $250 min.	Monthly Fee $0	Monthly Repayment $622.82	Go to siteMore Info Compare
Stratton Finance Used Car Loan Fixed1 - 7 Years $10,000 - $300,000	Interest Rate (p.a.) 6.52% to 18%	Comp. Rate (p.a.) 6.95% to 23%	Application Fee $395	Monthly Fee $0	Monthly Repayment $625.27	Go to siteMore Info Compare	You'll receive a fixed rate loan from 6.52% p.a. with a comparison rate of 6.95% p.a. A used car loan of up to $300,000 with quick approval times and balloon payment options.
RACV New Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 7.29% to 16.99%	Comp. Rate (p.a.) 8% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $635.67	Go to siteMore Info Compare	You'll receive a fixed rate from 7.29% p.a. A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
Credit Concierge Used Car Loan Fixed1 - 7 Years $10,000 - $1,000,000	Interest Rate (p.a.) 6.8% to 17.45%	Comp. Rate (p.a.) 7.56% to 18.91%	Application Fee $553	Monthly Fee $10	Monthly Repayment $642.74	Go to siteMore Info Compare
RACV Used Car Loans Fixed1 - 7 Years $5,000 - $150,000	Interest Rate (p.a.) 8.49% to 16.99%	Comp. Rate (p.a.) 9.21% to 17.77%	Application Fee $499	Monthly Fee $0	Monthly Repayment $647.01	Go to siteMore Info Compare	You'll receive a fixed rate from 8.49% p.a. Benefit from no ongoing fees, 5-hour approval and a 21-day satisfaction guarantee. Interest rate discounts for members.

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