Instant Funding for
Get Your Funds Within Minutes
Instant Funding Requirements
Have a debit card associated with a checking account.
Apply and be approved before 5:30 PM CT.
Meet normal loan qualifications.
Ready to try same day funding installment loans for yourself?
You can apply online in a matter of minutes and receive a super fast decision!*
* Same day funding is available for loans approved BEFORE 11 AM CT.
Online installment loans are loans you apply for online. You typically know almost immediately if you qualify for the loan — and that’s true with Wise Loan. Here’s how it works:
Complete the application for the loan. It takes less than five minutes and requires your basic information plus your checking account for regular funding or a debit card associated with your checking account for instant funding.
Wise Loan reviews your application. Our automated processes review your application and determine if we can offer you a loan. You don’t need good credit to get a Wise Loan.
3. Accept the offer
If you’re pre-approved, you’re presented with an offer online — usually within minutes. You can review the offer and choose to accept it or not.
4. Get your money
If you accept the offer, Wise Loan funds your loan. If you apply with a debit card connected to a checking account before 5:30 PM CT, you may receive instant funding to get your money within a few minutes to an hour.
Wise Loan funds via electronic deposit. Regular funding occurs via an EFT transfer to your bank account. Funds are usually available within 24 hours or the next business day, though it depends on your bank’s processes for handling electronic transfers.
Instant funding is handled via debit card. Money transferred via an eligible debit card can be available in your account within minutes.
What our customers says
“The representative was definitely on her game as always. Professional, knowledgeable and patient as always. She certainly resolved my issue.”
“They are very professional and prompt.”
“Excellent customer service. Painless easy process. Would recommend to anyone who needs a loan.”
Instant Funding FAQs
How long does it take instant funding to process?
What debit cards support instant funding?
How to get immediate funds into your bank account
When you’re applying for a Wise Loan, you can get immediate funds (within minutes up to about an hour) into your bank account by applying before 5:30 PM CT and choosing the instant funding option. You will need a debit card associated with your bank account for this option.
Does instant funding require a credit check?
Where can I get an instant loan?
Same Day Funding FAQs
What is same day funding ?
How to get funds to your checking account the same day
If you want a quick loan to get funds on the same day, you will need to apply for a loan that offers same day funding, such as those offered by Wise Loan. To ensure there’s time to process same day funding, you have to apply and be approved before 11 AM CT.
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