Get an Online Installment Loan Quickly and Easily

With good or bad credit,
you can get approved today*

Get started now!

Select an amount:

Where do you live:

By entering your email address above, you give us permission to email you updates about your loan application and our products. You can opt-out by clicking the unsubscribe link in the footer of the emails we send you or by emailing us.

Online Installment Loans From a Direct Lender

Wise Loan offers no hassle, online installment loans between $200 and $1500 for first time borrowers (except in South Carolina and Mississippi, where the minimum loan amounts are $601 and $500 respectively). Returning customers can borrow up to $3500. All borrowers can qualify with good or bad credit history and have the opportunity to receive their money the same day!

With a valid checking account and contact information, your application is quickly processed, with money deposited directly into your account within 24 hours or the SAME DAY for FREE on loans approved before 11 AM. Same day funding occurs when you receive funds from a loan the same day the loan is approved. To ensure there’s time for processing, you must apply and be approved by 11am CST. However, how fast the funds are delivered depends on your financial institution’s processes.

Money to make your life work
and build a better future.

Same Day Funding

Meet the requirements for instant funding installment loans, and first time customers can get $200-$1500 as soon as TODAY with FREE same day funding. Returning customers are eligible for up to $3500.

Cash Back Rewards

You could earn $10-$50 towards your Nest Egg account per $1000 borrowed when the loan is fully paid.

3 Days Risk Free

Return the installment loan after 3 days without paying any fees

What Our Customers Have to Say

Great 4.8/5


309 reviews of Wise Loan


We actually got our $1000 Wise Loan so that we could help other families for the holidays. We do this every year and was a little short this year because I was too sick to do as many baking sales. Thank you very much!

Dee K.


The people at Wise Loan are exceptional. They are always so polite and willing to work with you in any way they can. Anyone needing a loan should contact Charge it plus and inquiry about a Wise loan.

Janet B.


Grateful for programs like Wise Loan, during hard times they have proven to be very helpful. Highly recommend Wise Loan for anyone needing a loan with good rates and flexible payments. Thanks Wise Loan!

Sara S.


I’m using my $500 Wise Loan to take my nephews on vacation. Thank you!

Sandra W.


When I got myself in a bind over medical bills, I called Wise Loan and filled out an application. Within a few minutes I was approved for $1500, enough money to pay my medical bills, and they gave me a repayment plan that I could afford, appreciate them for that!

Mark B.


I really appreciate your help! As a single parent of a sophomore college student, we have received no help from other sources. I thank God for people like you all who like to help.

Beverly W.

Member of