Wise Loan Reviews

Making a loan is always going to be an experience that not only can be scary and daunting to go through but is also vital to how you understand finances in the upcoming world today.

Whether you’re looking for a small loan to help aid your move to a new apartment, or you require a loan to help build and renovate a home repair project.

Wise loans are the type of company where trust can be built to get these projects done and dusted, ready for our next adventure.

To go back to basics, a loan is the lending of money by an individual, a company, or a partnership.

The person who borrows said amount of money, must repay the loan in installments, with interest being added to the existing loan until it is fully paid.

It’s a simple system, with rules encased to protect you and the loaning company you have an interest with.

Wise Loan

Who Is Wise Loan?

Wise Loan is a company that offers quick and easy online installment loans and is actually the only lender that gives cash back for timely loan payoffs!

You can apply for an installment loan in minutes, and you can get the final decision within a few minutes too. It’s that simple, and effective.

So, there is same-day, or instant funding available to help you tackle those bills or payments that came out of nowhere.

Also, with Wise Loans, there is no need for a good credit score, you can apply, regardless of your credit score to get the help you need, fast, and efficiently.

Wise Loans are responsible lenders, which means that they do not make loans that they think will get the borrower in any form of trouble or issues along the way, they provide resources to help you manage your loans, including a loan manager that you can reach out to!


  • Can get money fast in one sum - You can borrow a specific amount, and the funds are released to you all at once, and you can typically do as you please with them!
  • Payback loan as agreed - You can pay back the loan in installments, every month, two weeks, or weekly. It all depends on the agreement!
  • Build your credit as you go - If the lender reports payments to the credit bureaus, you can build a positive credit history! This can help improve your credit score.


  • Only funds loans to a specific number of states - not all states are available

Where Are Wise Loan Installments Available?

Wise Loans actually offer installment loans in the following states:

  • Delaware
  • Idaho
  • Louisiana
  • Mississippi
  • Missouri
  • Wisconsin
  • South Carolina
  • Texas
  • Utah

Reasons For A Loan

There are roughly at least 6 personal reasons for making a loan, and we will list a few for you to get a good idea of how Wise Loans can help you in your journey of life!

Wise Loan Reviews

Emergency Bills

You may have many purposes for a loan, such as covering emergency expenses.

If you or a loved one has a medical bill that needs to be paid, a loan such as Wise Loan will cover you for the cost. All you have to do is pay it back within the agreed set time.

While it’s best to build an emergency fund to cover expenses like this, an emergency loan can save the day if need be!

Another reason for an emergency loan could be for job loss or reduced hours, and auto repairs.

Covering Debts

Another reason for a loan of a significant amount could be to pay off any outstanding bills that you just don’t have the money for right away.

It’s good to know that whenever you run into trouble with a bill before your paycheck comes in, you have a system that can guide you and take some pressure off your shoulders.

This method makes sense if you’re someone who is able to secure a low-interest rate, if you can stay on top of what you’re paying back, through monthly bills. This is ideal for you.

The average Annual Percentage Rate, on a 24-month scale, is 9.46%, roughly. So, this can give you a better idea of the payback scale.

Funeral Expenses

Sometimes, when a person passes away, especially under sudden circumstances, they do not have any funds or funeral expense packages under their name.

This can put a significant strain on family members to find the funds to go through with the funeral.

A funeral loan could be an idea for your family if you’re struggling to find the money elsewhere, and you can even get a funeral loan under bad credit. Based on the circumstances.

Funeral expenses are hard enough to cope with, so let Wise Loans guide you towards a path of positive planning for your loved ones’ final send-off.

Making Home Repairs

As a homeowner, you may come across many situations where an emergency fund is needed to repair rooms, pipes, and appliances in your home. Such as a broken air conditioning system, blocked pipes, or a gas leak.

For obvious reasons, these are safety issues, and you’ll want to get a gas leak repaired with immediate effect to keep you and your family safe.

And there’s nothing worse than a broken air conditioning system! Being baked alive through the hot summer months is just unforgivable.

Having an air conditioning system that works is the only way to forgive the sun for making you suffer.

Making A Large Purchase

You can take out money to help you with a large purchase if need be, such as household appliances, and auto loans that are necessities.

This does not mean you should take one out to help cover the cost of an entertainment system or any other unnecessary purchases, though.

This type of loan requires responsibility to be able to differentiate between the factor of you requiring the loan, and when you don’t actually need it to get by.

Moving Costs

Sometimes, there can be emergency situations where taking out a loan, is the only way to keep you and your family safe. Such as moving under vast circumstances.

A job offer in another city may be a reason to move, however, you may be able to cover this cost through your income or savings.

So, consider this before deciding to take out a loan. Either way, Wise Loans can be there for you with immediate effect.


Many customers who have trusted in Wise Loans have found that their system is very easy to work with to cover the cost of expenses such as holidays.

Because as a company, they make expenses like this easy to cover without the pressure to pay it back immediately. They work with you to find a plan that suits your income and schedule.

They’ve also been found to be an extremely patient company, they value helping customers in any way they can, no matter what the issue is.

So, for one customer, they made sure that she was able to sign her loan agreement before hanging up the phone because she was having a difficult time getting into the documents.

The purpose of Wise Loan’s customer service is to make the job easier and more efficient, their team has quick responses and pays extreme attention to detail to help customers get the plan they want.

Making the team a valuable asset to the business. When it comes to businesses that work out loans for people, the team is what makes them successful.

If you can have a seamless experience, you’re more likely to appreciate the help, especially with something that you may not understand as well, like loans.

Final Thoughts

Overall, if you’re looking for a loan company that puts you first over the money, Wise Loans are the choice for you!

The money you borrow can be easily deposited straight to your debit card to make expenses easier to pay, with immediate effect.

They are extremely responsive to any questions you may have, so ask away when you’re on the phone sorting the loan out. 

The more you find out about your type of loan, the better! Especially if you’re something who struggles with anxiety, for example, their team is trained with the purpose to make your life easier.

And if you need to contact them because you’re unsure about your loan or credit score, they have plenty of resources available to get the help you need, fast. Simply take a scroll through their website to find their contact information!

If you’re not too fond of phone conversations all the time, they also have their email address available to answer any inquiries you may have.

Making a loan can be a daunting job, but it shouldn’t have to be. That’s why Wise Loans put in the extra effort to help you feel assured of the loan you’ve decided to take out, regardless of the circumstances.

You should never have to feel judged or uncomfortable about making a loan, that’s what they are there for. To calm you and to guide you.

Brad Johnson