Any questions?

Wallet Wizard provides quick and flexible access to fast cash up to $8,000. Our Wallet Wizard Smart Loan is a continuing credit contract designed to suit a wide range of customer needs across Australia.

Our simple application form and innovative technology make accessing cash fast and simple. If approved, your money will be in your account within minutes of contract acceptance, 24 hours a day if your bank supports Osko® payments. If your bank doesn’t support Osko deposits can be made in one hour if your contract is accepted before 2.30pm (Sydney Time) on business days. Outside of business hours funds will be deposited the next business day.

With a Wallet Wizard Smart Loan, simply apply to access up to $8,000, and as you repay your balance, you can apply to unlock additional funds - all in just a few quick steps through our online Members' Area. We don't charge upfront or ongoing fees, making us up to 76% cheaper than other lenders. See more here.

We welcome applications from everyone because we think everyone should be able to apply for fast cash with our Smart Loan. Our Smart Loan is designed to appeal and provide benefit to a broad range of consumers who want a credit limit between $500 and $8,000, and who can meet the repayments under the loan without substantial hardship. More into can be found in our Target Market Determination (TMD). To apply you must be at least 18 years old, be a resident of Australia and have a regular source of income.

We welcome applications from everyone. While we assess every situation individually, please note that benefit income cannot exceed 50% of your total income, except in certain cases. If approved, we will offer you a loan amount with repayments designed to suit your personal financial circumstances.

We want to support as many people as we can. If you're a discharged bankrupt, you may still qualify for a Smart Loan. Apply online today to find out more.

Wallet Wizard offers credit limits from $500 to $8,000 with eligibility assessed based on your current financial circumstances. Apply now.

To apply, you’ll need to be at least 18 years old and a resident of Australia. You will also need:

• Standard personal details, including your name, date of birth, address, and employment information, and details of your expenses and any other loans.
• Two forms of ID (driver’s licence, Medicare card, or passport)
• Your internet banking details
• Your BSB and bank account number (so we know where to deposit your funds)

As a responsible lender, Wallet Wizard conducts a credit check as part of the application process. We consider your full financial situation when deciding, so if your credit history isn’t perfect, you may still be eligible.

Apply for a Wallet Wizard Smart Loan to see if you qualify.

Providing your bank statements helps us verify and assess your application. We use secure technology to ensure that your bank information is collected safely and securely.

We use secure, trusted technology to collect your bank statements quickly and safely. We may retrieve your banking information in one of two ways:

• Via our third-party provider, Experian Open Data Solutions, who collects up to 90 days of transaction history securely from your bank. Your internet banking login details are not visible to us. They cannot be saved, shared or used to access or transact on your account.
• Via Open Banking through an accredited Consumer Data Right provider. This allows your banking data – including up to 90 days of transactions – to be securely shared with us strictly in line with your consent and our CDR policy.

Both options are designed to make verification faster and easier while keeping your information safe. All data is handled securely and in accordance with our Terms and Conditions and applicable privacy laws.

As a responsible lender, we may occasionally require some additional information from you. If this happens, we will contact you. Log in to the Members' Area for an update on your application’s progress.

In some cases, we need to contact your employer to confirm employment details. Your employer may ask you to confirm that you’re happy for us to verify the information required to complete our assessment. This is a standard part of the process.

A credit limit is the maximum amount of credit we agree to make available to you under a contract with us. The amount is based on our assessment of your situation and income. If approved, we will offer a credit limit that is right for you.

Available credit is the difference between your credit limit and your current account balance. Your current account balance is the amount owing to Wallet Wizard.

To see if you can access your available credit, log in to the Wallet Wizard Members' Area at your convenience. If you’re eligible, you can apply for a redraw by following the simple instructions provided.

A redraw is the available credit that you can apply to access. It’s the difference between your credit limit and your current account balance. Your current account balance is the amount still left to pay.

You become eligible to apply for a redraw when you are up to date with your repayments and;

• your available credit is the lower of $500 or 25% of your credit limit.
  • For example: if you have a $5,000 credit limit then your available credit will need to be at least $500 to be eligible for a redraw
  • For example: if you have a $1,000 credit limit then your available credit will need to be at least $250 to be eligible to apply for a redraw. OR
• if you have elected a minimum redraw amount during your last loan approval, when your available credit reaches the elected amount. You can contact us anytime to change this in line with the available options under your contract.

You can apply to increase your original credit limit, up to a maximum of $8,000. Your credit limit is the maximum amount of credit we initially agreed to make available to you under your contract with us. To apply for an increase to your credit limit, simply log in to the Wallet Wizard Members' Area anytime to see if you’re eligible. If eligible, you can apply by following the simple instructions in the Members' Area for a fast assessment and decision. If approved, the amount offered is based on our assessment of your current situation and income.

There are several reasons why you might not have immediate access to your available credit:

• The amount you have requested is less than the Minimum Redraw Request Amount (this is the lower of $500 or 25% of your credit limit).
• You have changed your Minimum Redraw Request Amount (you can contact us at any time to change this).
• You have made a repayment recently and the funds have not yet cleared.
• There has been a material change in your financial circumstances.
• You may be experiencing financial hardship.

Our decisions are based on a comprehensive assessment of the information you provide. While we are unable to share the specific reasons for a decline, you are welcome to apply again through the Members' Area if your financial circumstances change in the future.

Our clever loan agent will assess your information to determine an appropriate credit limit for you. If your application is approved, you will have the flexibility to customise certain details of your Smart Loan to ensure it perfectly suits your financial needs and objectives.

We believe in complete transparency. Check out our costs here. Everything is laid out in your contract, so you’ll always know exactly what to expect.

Your repayment amount and due date are listed on your statement. We’ll send your statement to you based on the Statement Cycle found in your Loan Schedule, which is typically set up to align with your income schedule.

Your minimum repayment amount is directly linked to your approved credit limit. For a clear idea of what your weekly, fortnightly, or monthly repayments might look like, you can use the calculator on our Costs page.

We help you stay on track by sending you a reminder via SMS and email three days before your payment is due. This notification will include your statement and confirm the minimum repayment amount being debited from your account.

You are also free to make additional repayments at no extra cost any time, which can help you pay off your remaining balance faster.

We make managing your repayments simple. We will establish an automatic direct debit from your nominated bank account, scheduled weekly, fortnightly, or monthly to align with your income cycle.

You also have the flexibility to make extra repayments at no extra cost any time, which will help you pay off your balance faster.

At Wallet Wizard, we are committed to being open about all costs. Our current annual interest rate is 47.8% p.a.

Interest is charged on the outstanding balance. Unlike other lenders we don’t charge upfront or ongoing fees.

Your repayment due date is listed on your statement. We’ll send your statement to you based on the Statement Cycle found in your Loan Schedule, which is typically set up to align with your income schedule.

Our goal is to support you, not add stress! All the details of your loan are clearly outlined in your Loan Schedule. Apply for a flexible and easy Smart Loan with us today.

Unlike other lenders we don’t charge upfront or ongoing fees. For a full list of fees, check out our Costs page.

We understand things can happen. To avoid fees, simply contact us before your payment is due to make an alternative arrangement. If a scheduled payment is unsuccessful and we haven’t heard from you, the following fees may apply:

• A Direct Debit Reversal Fee of $0.55 fee will be charged for the failed payment.
• An Arrears Fee, if your account is overdue by more than 14 days, a daily fee of $1 will be applied. This is capped at $100 within any rolling 12-month period.

It’s important to avoid letting your account become significantly overdue, as this could result in a default being recorded on your credit file, which can remain for up to five years.

If you are facing financial difficulty, please reach out to us. We are here to help and can discuss your situation with you.

To ensure your payment has been processed successfully, please make sure the full repayment amount is available in your account for the entire day on your payment due date.

Funds will be put into your account within minutes, 24 hours a day, subject to your bank supporting Osko payments, even on public holidays.  

To confirm if your bank is supported, please visit: www.auspayplus.com.au/solutions/osko

If your bank does not support Osko, you can still expect to receive your funds quickly. In most cases, the money will be in your account within an hour of us sending it. Occasionally, it can take a little longer, up to three hours, but we recommend waiting at least two hours and then checking again before contacting us if the funds have not yet arrived. For same day funding using this method your Smart Loan must be approved by 2:30PM Sydney Time. However, if you miss this cut-off, you will receive the funds by the next business day.

It is your responsibility to ensure there are sufficient funds in your nominated account on your repayment due dates. If you foresee any issues with making a payment, it is crucial that you contact us before the due date.

For a seamless loan experience, we simply ask that you are upfront and honest with us. Please keep us informed on any changes to your income or financial situation.

All terms and conditions are clearly set out in your contract for you to review before you agree to your Smart Loan. We encourage you to read this information carefully, so you fully understand your commitments. When you’re ready, you can apply for a fast Smart Loan with Wallet Wizard today.

Once your Smart Loan is active, you can request more cash when:

• your available credit is the lower of $500 or 25% of your credit limit.
  • For example: if you have a $5,000 credit limit then your available credit will need to be at least $500 to be eligible for a redraw
  • For example: if you have a $1,000 credit limit then your available credit will need to be at least $250 to be eligible to apply for a redraw. OR
• if you have elected a minimum redraw amount during your last loan approval, when your available credit reaches the elected amount. You can contact us anytime to change this in line with the available options under your contract.

You may also be eligible to apply for a higher credit limit. To check if you qualify for either of these options. Please log in to your Wallet Wizard Members' Area.

As a responsible lender, we are committed to ensuring you can comfortably manage your repayments. For this reason, every request for additional credit involves a careful assessment of your current financial situation.

If you request to access available credit was declined, it may be because our assessment suggests your circumstances have changed or that you may be experiencing financial hardship. If you are facing financial difficulties, we are here to help. Please contact us at 1300 494 105 to discuss your situation.

Click here to reset your password.

Your Smart Loan is a Continuing Credit Contract. This means that you have ongoing access to request your available credit whenever you need it, unless you specifically request to close your Smart Loan account.

Yes. Downloading and using the Wallet Wizard App is free.

The Wallet Wizard App is designed for customers who have applied for a loan or are existing members.

To find out more, please visit the Wallet Wizard App page.

With the Wallet Wizard App, you can manage everything in one place. View and accept contracts, check your account details, track application status, upload documents, and see when you’re eligible for a redraw or credit limit increase, all from your mobile device.

For more information, please visit the Wallet Wizard App page.

To log in to the Wallet Wizard App, simply use the same email address and password that you registered with during your initial application.

To download the Wallet Wizard App, search ‘Wallet Wizard’ in your app store or use the links below:

Android: Click Here

Apple: Click Here

For more information, visit the Wallet Wizard App page.

Yes. Simply log in into the Wallet Wizard App and you will be asked if you want to use Face ID.

If you have any questions about the app, please let us know at hello@walletwizard.com.au or contact us here.

Our team is always happy to help. Please feel free to contact us here, and we will gladly help you find the information or support you need.

We value your feedback and are committed to resolving any issues. Please contact our Wallet Wizard customer care team to discuss your concerns. Details on how to contact us are here.

Our lending decisions are based on a comprehensive assessment of your overall current financial situation. While we are unable to provide the specific reasons for a declined application, you can reapply through the Members' Area should your circumstances change in the future.