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Frequently Asked Questions
What do I need to qualify for a Wise Loan?
To qualify, you’ll need to be at least 18 years old, have a steady source of income, an active checking account, and a valid form of identification. Credit score requirements are flexible, and we look at more than just your credit history.
How much can I borrow with Wise Loan?
Loan amounts vary depending on your eligibility and state regulations. New customers typically qualify for smaller amounts, while returning customers in good standing may be eligible for higher limits.
How long does the approval process take?
Many customers are approved within minutes after submitting their online application. Once approved, funds are usually deposited as soon as the same or next business day.
Does applying affect my credit score?
Wise Loan performs a soft credit check during the application process, which doesn’t affect your credit score. Once approved, your payment history is reported to major credit bureaus—helping you build or improve your credit over time.
Does Wise Loan report to credit bureaus?
Yes. Wise Loan reports payment history to major credit bureaus, giving customers the opportunity to build positive credit with on-time payments.
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