Why choose Wisr


  • Apply online
  • No early payout fee
  • Personalised interest rate


  • No branches
  • Establishment fee applies
  • No variable rate loans

Wisr Car Loans

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Car Loan
  • $10k to $99k
  • 3 to 7 years
  • New or used car
  • Fixed Rate

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Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios.


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based on a $30,000 loan for 5 years at 9.59%

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Features of a Wisr car loan

Wisr offers fixed rate loans to everyday borrowers that can be used to buy cars, motorbikes or other vehicles. Security may be required for these asset purchases. This lender does not provide variable rate loans.

Wisr provides personal loans of between $5,000 and $50,000 and terms of either three or five years. Repayments are made monthly.

Wisr personal loans have personalised interest rates. Personalised rates mean that the interest rate offered is dependent on the borrower’s credit history. Borrowers with good credit will receive a lower interest rate than borrowers with bad credit.

Wisr charges a one-off establishment fee and late repayment fees, but does not charge ongoing fees or early repayment fees.

Wisr car loans – customer service

Because Wisr does not operate any branches, customers must contact Wisr by phone or online enquiry. Online enquiries can be submitted at any time, or you can ring them on weekdays from 9am to 5:30pm (AEDT).

Who is eligible for a Wisr car loan?

  • Must be an Australian citizen or permanent resident currently residing in Australia
  • Must be aged 18 years or over
  • Earn more than $30,000 a year before tax
  • No unpaid defaults in the past five years
  • No bankruptcies in the past seven years
  • Not currently in financial hardship

How to apply for a Wisr car loan?

You can get a quote estimate from Wisr and apply for a car loan with them through their website. The application takes five to 10 minutes to complete and it may be processed in 24 hours.

  1. Go to Wisr’s car loans section and click ‘Get my rate’.
  2. Fill in the form and hit ‘Get estimate’.
  3. When you have reviewed the estimated rate and repayments, submit the application form.
  4. You may be contacted by Wisr to review the application.
  5. You may receive your funds on the same business day signed documents are returned to Wisr.

Wisr car loans review

As Wisr is an online-only neo-lender, it may appeal to borrowers who prefer managing their car loans digitally.  Borrowers may not find Wisr suitable if they prefer face-to-face interaction, as this lender has no branches. Additionally, this lender does not offer variable rate loans, so it may not suit those looking for flexibility in their loan.

Wisr charges a one-off establishment fee and no ongoing fees. Customers generally won’t be penalised if they pay out their loan early.

Because Wisr does not have the large overheads of a traditional bank, it is able to offer moderate car loan interest rates for applicants with a strong credit record.

Note that this lender personalises its car loan rates depending on the borrower’s credit risk profile. Those with a poor credit history may only be able to borrow funds on a high interest rate.

It is generally advised that borrowers compare interest rates, fees and features from different lenders before signing up for a car loan.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.