Get the Money You Need Fast with Personal Loans Online.

Each lender has different personal loan eligibility requirements. At Wise Loan, we strive to make applying for a personal loan as seamless and inclusive as possible. Here’s what you’ll need to get started:

• Age Requirement: Applicants must be 21 years of age or older.
• Social Security Number: Required for identity verification.
• Banking Information: A traditional checking account is necessary. Prepaid or savings accounts are not accepted. If you opt for instant funding via debit card, ensure the card is linked to the checking account you provide in your application.
• Income Deposits: Your income must be directly deposited into the checking account used for the application.
• Physical Address: A physical residential address is required; P.O. Box addresses are acceptable only as mailing addresses.
• Monthly Income: A minimum monthly income of $1,500 is required. For residents of South Carolina and self-employed applicants, the minimum is $3,000.

It’s important to note that perfect credit is not a prerequisite for a loan with us. We consider more than just credit history, aiming to provide financial solutions that are accessible to a wider audience.

At Wise Loan, we understand that everyone’s financial situation is unique. That’s why we offer a variety of loan options tailored to different needs. Generally, loans with lower amounts and shorter terms tend to have more lenient approval criteria. However, our bad credit loans provide accessible options for those with less-than-stellar credit scores. These loans not only offer financial assistance but also provide an opportunity to improve credit through timely repayments. We encourage all potential borrowers to apply, as we strive to provide solutions for a wide range of financial scenarios.

The amount you can borrow with a Wise Loan personal loan varies based on factors such as your credit history, income, and state regulations. Loan amounts typically range from $500-$1500. If you are a returning customer, you may be eligible to borrow up to $3,500. Our goal is to offer flexible loan options that fit your individual financial needs and goals. To determine the specific amount you qualify for, we recommend starting the application process, which will provide you with all the details based on your circumstances.

If you find yourself unable to make your payment on time, Wise Loan is here to assist you. We understand that unexpected situations can arise, leading to financial challenges. It’s essential to reach out to us as soon as possible to discuss your circumstances openly. Our team is committed to working with you to find suitable solutions to help you avoid any negative consequences. While late payments may incur fees or affect your credit score, we strive to minimize these impacts by providing proactive support and understanding. By communicating with us and exploring available alternatives, you demonstrate your commitment to resolving the issue responsibly.