Instant Funding for Installment Loans

Get Your Funds Within Minutes

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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:

1. Apply

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.

2. Review

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?
Once you accept the terms, which includes providing your debit card and signing the loan agreement, then the loan is ready for funding. Instant funding can take from a few minutes up to an hour to process.
What debit cards support instant funding?
Any traditional debit card associated with your checking account should support instant funding. You typically can’t use credit cards, prepaid debit cards or debit cards associated with accounts such as PayPal for this purpose.
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?
Whether or not instant loan funding requires a credit check depends on the lender. Wise Loan does not require good credit for approval.
Where can I get an instant loan?
You can get an instant loan from online lenders who offer this service, including Wise Loan. Wise Loan doesn’t require good credit and offers responsible lending to help you manage and build your credit in the future. You can also earn rewards for paying your loan as agreed. Find out more and apply for a Wise Loan today. If you apply before 5:30 PM CT, you may receive instant funding to get your money within a few minutes to an hour.

Same Day Funding FAQs

What is same day funding ?
Same day funding occurs when you receive funds from a loan the same day the loan is approved. When applying online, same day funding requires a checking account that allows ACH transactions or another method that allows the funds to be available in your bank account that day. However, how fast the money is available in your bank account depends somewhat on your financial institution’s processes.
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.

Over 1,000 five star reviews


I was very pleased that they were able to fund me money when I really needed it for the holidays. They made it easy and quick for me to do.
The staff at Wise Loan is awesome! Olga is very professional with a very strong work ethic and is always willing to go the extra mile.
Martha V
It’s quick. There’s no hidden fees. No penalty for paying it off early. It’s easy to apply for online and get funding in no time!
Jaymi M

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