Last updated: December 1, 2025
Welcome to Wise Loan. These Terms of Service ("Terms") govern your use of the wiseloanapply.com website and all related services (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.
To use our Service and apply for a loan, you must: be at least 18 years of age, be a legal resident of the United States, have a valid Social Security number, have an active checking account, and have a regular source of income. By using our Service, you represent and warrant that you meet all eligibility requirements.
Wise Loan provides an online platform for personal loan applications. Our Service connects borrowers with lending partners who may offer loans ranging from $500 to $5,000. We are a marketing service and do not directly provide loans. The final loan terms, including interest rates and repayment schedules, are determined by the lending partner.
When you submit a loan application through our Service, you authorize us to share your information with lending partners for the purpose of evaluating your application. Submitting an application does not guarantee approval. All credit decisions are made by our lending partners based on their own criteria.
You agree to provide accurate, current, and complete information in your loan application and any other forms on our website. You are responsible for maintaining the confidentiality of your account information. Providing false or misleading information may result in denial of your application and potential legal consequences.
Annual Percentage Rates (APR) for loans obtained through our Service typically range from 5.99% to 35.99%, depending on the lender, your credit profile, and other factors. Loan terms range from 6 to 24 months. Before accepting any loan offer, you will receive a complete disclosure of all terms, including the APR, monthly payment amount, total repayment amount, and any applicable fees.
We do not guarantee that you will be matched with a lender or approved for a loan. The loan amount, interest rate, and terms you receive depend on information provided by you and the lending partner's evaluation criteria. Past results do not guarantee future outcomes.
All content on our website, including text, graphics, logos, images, and software, is the property of Wise Loan or its licensors and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without our express written permission.
You agree not to use our Service to: submit false or fraudulent applications, engage in any illegal activity, attempt to gain unauthorized access to our systems, interfere with the proper functioning of our website, impersonate any person or entity, or violate any applicable laws or regulations.
Our Service may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of service of these external sites. Your use of third-party websites is at your own risk.
Our Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our Service will be uninterrupted, error-free, or secure. Your use of our Service is at your sole risk.
To the maximum extent permitted by law, Wise Loan shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Service. Our total liability shall not exceed the fees you paid to us, if any, in the twelve months preceding the claim.
You agree to indemnify and hold harmless Wise Loan and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our Service, your violation of these Terms, or your violation of any rights of another party.
We reserve the right to modify these Terms at any time. We will notify you of significant changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of our Service after changes are posted constitutes your acceptance of the modified Terms.
These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which our business operates, without regard to conflict of law principles.
If you have any questions about these Terms, please contact us at:
Email: info@wiseloanapply.com
Website: wiseloanapply.com
Wise