Need Money Now?
Get Cash in 15 Minutes or Less.*
If you face unexpected expenses, a loan may be an option to get funds within 15 minutes.*
- Super Fast Loan Decision
- Instant or Same-Day Funding
- Positive Payment History Reported to the Credit Bureaus
Join those who receive funds within minutes to cover unexpected expenses.
*You must meet the following requirements: Have a debit card associated with a checking account, apply and be approved by 5:30 pm CT with the loan document signed, and meet normal loan qualifications.
*You must meet the following requirements: Have a debit card associated with a checking account, apply and be approved by 5:30 pm CT with the loan document signed, and meet normal loan qualifications.
Emergency Cash Options
Knowing your emergency cash options is crucial if you’re in a bind and need cash right now. Each option offers a different approach to managing unexpected expenses efficiently.
Installment Loans
Installment loans provide a structured way to pay back borrowed money through scheduled payments over time. This option can offer more flexibility than other emergency cash solutions.
Payday Loans
Payday loans offer a rapid solution when you need cash immediately. Typically, due by your next payday, these loans are a viable option for short-term financial gaps.
Emergency Loans
Emergency loans are designed for quick disbursement to help cover sudden emergency expenses. These loans often require no collateral and have various terms to fit your situation.
Personal Loans
Personal loans can offer a straightforward and flexible solution for managing unforeseen expenses. This loan type typically has fixed interest rates and predictable monthly payments.
What are the Requirements to Get Cash Within 15 Minutes?
To ensure a smooth application process and receive funds swiftly, we’ve outlined the critical eligibility criteria you’ll need to meet:
- Checking Account with a Debit Card
- Approved Application by 5:30 PM CT
- 21+ Years Old
- Valid Social Security Number
- Income Direct Deposits
- Physical Residential Address
- Monthly Income ($1,500 or $3,000 for SC residents and self-employed applicants)
Meeting these criteria can expedite your application process, bringing you closer to receiving the emergency funds you need.
How Do I Get Cash Within Minutes?
Start the application and get cash within minutes when you use instant funding. Most applicants start and finish the application process within 15 minutes.
1
Submit an Application
Complete our online application form. It’s quick, straightforward, and can be done from anywhere.
Get a Loan Decision
Once your application is submitted, we’ll review it promptly. You’ll receive a loan decision quickly.
3
Review & Accept the Loan
Once approved, you must review the loan terms and conditions. You can then accept or decline the loan.
4
Receive Instant Funding*
After accepting the loan, the money will be instantly funded to your checking account via debit card.
*Must meet the following criteria: Have a debit card associated with a checking account, apply and be approved by 5:30 pm CT with the loan document signed, and meet normal loan qualifications.
Why Choose Wise Loan?
At Wise Loan, we’re not just another lending service; we’re your partner in navigating through financial uncertainties. Our exceptional customer service team is here to support you every step of the way. We understand that flexibility is vital, so we offer various repayment options to fit your unique financial situation. Our Nest Egg account and cash-back rewards program help you manage emergencies today and plan for a more secure financial future. Choose Wise Loan, where financial assistance meets foresight and care.
Hear From Our Customers
Reviews
Customers say: The overall tone of the reviews is positive, with a focus on the company's excellent customer service and willingness to help. The reviews highlight the company's commitment to providing top-notch service, with knowledgeable and professional representatives who strive to resolve issues promptly. The company's focus on customer service and willingness to go the extra mile to assist customers is evident in the reviews.
Excellent
Gregory -
Slidell, LA 70458
Excellent help
Very thorugh
Oscar -
McKinney, TX 75069
Very knowledeble
Response from Wise Loan:
Oscar, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at email hello@wiseloan.com. Best regards, Wise Loan
It's ok not great
Rebecca -
San Antonio, TX 78211
I think you should due monthly payment not everything two week
Response from Wise Loan:
Rebecca, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at hello@wiseloan.com. Best regards, The Call Center
Excellent service
Terrell -
Columbia, SC 29212
Response from Wise Loan:
Terrell, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at hello@wiseloan.com. Best regards, Wise Loan
Excellent Service
Joann -
Lucas, TX 75002
The representative who assisted me was very knowledgeable and professional. She resolved my issue in an expeditious manner.
Response from Wise Loan:
Joann, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Stephanie -
Lafayette, LA 70506
Response from Wise Loan:
Stephanie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Thank you
Sandra -
Hobart, WI 54313
Great service & efficient
Response from Wise Loan:
Sandra, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Great Service
mialczr -
Galveston, TX 77550
I had a issue & they help me through it no hassle.
Response from Wise Loan:
Mia, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Great customer service
Kandis -
Wolfforth, TX 79382
Great
Response from Wise Loan:
Kandis, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Good service
Jerquan -
Baton Rouge, LA 70811
He took care of the problem
Response from Wise Loan:
Jerquan, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Great Service!
Sara -
Leander, TX 78641
Sheena did a great job answering my concerns and giving me her direct line !
Response from Wise Loan:
Sara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Great service!
Sara -
Leander, TX 78641
Sheena was so sweet and answered quickly with my questions thank you! She's great!
Response from Wise Loan:
Sara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
Terrible every time I’ve called
Micha -
Amarillo, TX 79109
Five thumbs down!
Response from Wise Loan:
Micha, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at hello@wiseloan.com. Best regards, The Call Center
great service & good prices
Arionna -
Arlington, TX 76015
Response from Wise Loan:
Arionna, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
excellent service
Tara -
Oakdale, LA 71463
she did a fantastic job
Response from Wise Loan:
Tara, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan
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Frequently Asked Questions
How Do I Get Money Instantly?
If you’re wondering how to get money instantly, Wise Loan offers a quick solution. Take advantage of instant funding and receive cash within 15 minutes of completing the application process. To facilitate funds transfer, ensure your application is complete, meets all eligibility criteria, and is submitted during operation hours. To receive 15 minute funding, you must have a debit card tied to a checking account.
Where Can I Get Money Urgently?
In urgent financial situations, Wise Loan offers a reliable and efficient solution. Our emergency loan solutions, including installment loans, are designed to provide rapid financial relief. By applying with us, you benefit from a straightforward application process, quick loan decisions, and fast disbursement of funds. Whether you need cash instantly or by the next business day, we offer different options to meet your urgent financial needs professionally and quickly. Exact funding times vary based on your financial institution’s processes.
How Much Cash Can I Borrow?
The amount you can borrow from online lenders depends on several factors, including your income, credit history, and the specific loan product you’re applying for. Wise Loan offers loan amounts ranging from $500 to $1,500. We work closely with you to determine the most suitable amount that meets your immediate financial need and aligns with your ability to repay, ensuring a responsible lending experience.
What Are the Benefits of Taking Out a Loan to Get Cash Today?
Taking out a loan to get cash today offers immediate relief in financial emergencies. It allows you to address urgent expenses without waiting for your next paycheck or dipping into savings. Furthermore, Wise Loan’s flexible repayment options and potential for cash-back rewards offer a blend of convenience and financial planning. Taking out a loan with us solves a short-term financial issue and works towards a healthier financial future.
What States Do You Service?
Wise Loan is proud to offer our lending services in a broad range of states nationwide. However, the availability of specific loan products and services may vary by state due to differing regulations and statutes. We service the following states:
- Texas
- Missouri
- Wisconsin
- Idaho
- South Carolina
- Delaware
- Louisiana
- Utah
We aim to provide as many customers as possible with reliable, fast, and ethical financial solutions.
Resources
How to Get Urgent Loans for Bad Credit Without Getting Ripped Off Again
Getting the Cash You Need Without Making the Same Mistake Twice There’s nothing worse than feeling cornered by an unexpected expense and realizing your credit...
Your Emergency Loan Checklist: How to Borrow Smarter
Don’t Let Stress Lead You to the Wrong Loan When life throws you a financial curveball—an unexpected car repair, a medical bill, or rent due before payday—you...
Payday Loans Online Are Outdated in 2025—Here’s What Smart Borrowers Do Instead
Payday Loans Online Still Exist—But Should They? You’ve seen the ads. You’ve Googled the term. Maybe you’ve even clicked “Apply Now” in a financial panic. But...
Apply and Get Funds Now
Take the first step towards stability by applying for a loan with Wise Loan today.