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Wisr Personal Loan

Get a personal loan with fixed personalised interest rates and no monthly fees. Interest charges and establishment fees apply.

3 things to consider about this loan:

  • Personalised interest rates. Your rate will depend on your credit score.
  • No ongoing fees. There are no monthly or annual ongoing fees.
  • Fixed rate. Your interest rate will be fixed for the duration of your loan.
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From 6.95% (fixed)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

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Product NameWisr Personal Loan
Interest Rate (p.a.)
From 6.95% (fixed)
Comparison Rate (p.a.)7.78%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$64,000
Loan SecurityUnsecured
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How does the Wisr Personal Loan work? 

This personal loan from Wisr comes with fixed personalised interest rates. With a fixed rate loan, your interest payments remain consistent throughout the term of the loan. With personalised rates, you get a rate that’s tailored to your credit score. Applicants with good credit get lower rates, and applicants with negative credit behaviour get higher rates. You can use the loan funds for any worthwhile purpose, including debt consolidation, legal fees, gap finance, tax debts, the purchase of a car or other personal expenses. 

What features does the Wisr Personal Loan offer? 

  • Fixed rate. Your interest repayments will remain the same for the lifetime of the loan. This makes it easier to predict and budget for your repayments.
  • Personalised rates. Your interest rate is based on your credit score. If you have a good score and good credit behaviour, you’re likely to get a lower rate. If you have negative credit behaviour, your rate will be higher.
  • Flexible repayments. You can make weekly, monthly or fortnightly repayments, depending on which option suits your budget best.
  • Varying loan terms. Your loan terms can be 3, 5 or 7 years.
  • No early exit or repayment fees. You can pay off your loan early without facing a penalty.
  • No ongoing fees. No monthly or annual ongoing fees.

How much does the Wisr Personal Loan cost? 

The costs associated with this loan include: 

  • Loan principal
  • Fixed personalised interest rate ranging from 6.95% p.a. to 17.95% p.a.
  • Establishment fee of $595

No monthly or annual administration fees are charged. Your comparison rate, which includes fees and interest charges, will range from 7.78% p.a. to 18.37% p.a.

What are the pros and cons of the Wisr Personal Loan? 


  • No ongoing or early exit fees. You will not be charged monthly or annual ongoing fees. This helps keep down the cost of the loan. You can also repay the loan before the end of the term without paying a penalty. This can help save money.
  • Easy to budget. Budgeting is easier with fixed rates as you know exactly how much you’ll be paying in interest.


  • Higher interest for lower credit scores. Your interest rate will depend on your credit score. If you have a low credit score, your interest rate will be higher, making the loan more expensive.

Am I eligible for the loan? 

To be eligible for this loan, you must: 

  • Be over 18 
  • Be a permanent resident or citizen of Australia, currently living in Australia 
  • Have a gross income over $30,000 p.a. 
  • Have no unpaid defaults in the last 5 years 
  • Have no bankruptcies in the last 7 years

How do I apply for the loan? 

You can apply for the loan by clicking the “Go to site” button on this page or through the Wisr website. You will need to provide 2 forms of ID (such as your driver’s licence, passport or Medicare card). You will also have to provide bank statements for the last 90 days and payslips. Keeping your documents on hand can help speed up the process.

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