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Start Your Application

Fill out the form below to begin your loan application. It only takes a few minutes.

Loan Terms & APR

Loan amounts range from $500 to $5,000 with terms from 6 to 24 months. APR ranges from 5.99% to 35.99% based on creditworthiness. Example: A $2,500 loan at 24.99% APR for 12 months has monthly payments of approximately $235.37 and total repayment of $2,824.44.

💡 Application Tips

  • Double-check all information before submitting
  • Use your legal name as it appears on your ID
  • Ensure your bank account is active
  • Have recent pay stubs available
  • Apply during business hours for faster response
Woman applying for personal loan online

What You'll Need to Apply

To complete your application quickly, please have the following information ready:

Personal Information

Full name, date of birth, Social Security number, and contact details.

Employment Details

Current employer, income amount, and pay frequency.

Bank Account

Active checking account for direct deposit of funds.

Valid ID

Government-issued identification for verification.

🔒 Your Security Matters

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256-Bit Encryption

Your data is protected with bank-level security

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Private & Confidential

We never share your information without consent

Verified & Secure

SSL certificate ensures safe data transmission

Need Help?

Our support team is here to assist you with your application.

Contact Support View FAQ

Why Apply with Wise Loan?

We make the loan application process simple, transparent, and stress-free.

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5-Minute Application

Our streamlined online form takes just minutes to complete. No lengthy paperwork or complicated processes.

Quick Decision

Receive a decision on your application quickly. We know your time is valuable and you need answers fast.

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All Credit Types

Bad credit? No problem. We consider your complete financial picture, not just your credit score alone.

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Secure Process

Your data is protected with bank-level encryption. Apply with confidence knowing your information is safe.

Application Process

Getting your loan is simple. Here's what happens after you apply.

1

Complete Application

Fill out our secure online form with your personal, employment, and banking information.

2

Quick Review

Our team reviews your application and makes a decision. You'll be notified of the outcome promptly.

3

Accept Your Offer

Review your loan terms including APR and monthly payments. Accept only if it works for your budget.

4

Get Your Funds

Once accepted, funds are deposited directly into your bank account. Use them for any purpose.

Common Application Questions

Our online application typically takes 5-10 minutes to complete. Have your personal, employment, and banking information ready to speed up the process.
Initial applications typically involve a soft credit check that doesn't affect your score. A hard inquiry may occur only if you accept a loan offer.
We welcome applicants with all credit types. We look at your complete financial picture, including income and ability to repay, not just your credit score.
Once you accept your loan offer, funds are typically deposited into your bank account quickly. Timing may vary based on your bank's processing times.

Questions About Your Application?

Our team is here to help you through the process. Contact us if you have any questions or need assistance.