Last Updated: 04/18/2025
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Highlights
APR (Factor Based)
Amount Range
Loan Term (Months)
Wise Loan Review
Key Takeaways
- Short loan terms. Wise Loan have loan terms as short as 2 months.
Wise Loan Pros & Cons
| Pros | Cons |
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Wise Loan FAQ
What interest rates and personal loan terms does Wise Loan offer?
What interest rates does Wise Loan offer?
How much can you borrow via Wise Loan?
What is the maximum loan term you can get with Wise Loan?
| Personal Loan Amount | $200 - $3500 |
| Loan Term | 2 - 12 months |
| APR | 299.96% - 799.00% |
What fees does Wise Loan charge?
Does Wise Loan charge an origination fee?
Does Wise Loan charge a late fee?
Does Wise Loan charge prepayment fees?
| Origination Fee | No |
| Prepayment Fee | N/A |
| Late Payment Fee | No |
What do you need to qualify for Wise Loan?
Wise Loan does not require or does not disclose a credit score minimum. The minimum age to be eligible is 21 or the state minimum, whichever is higher.- Proof of income
- Driver's license or other government photo ID
- Proof of citizenship or residence permit
- Proof of residence
| Minimum Age | 21 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does Essential Lending perform a hard credit pull?
Are Wise Loan legit?
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