How our Smart Loan works

Easy as 1-2-3

Step 1

Complete our fast and simple online application

Fill out our simple application that tells us about your income and other financial details.
Use our automated service to supply us with your bank statements instantly! (We trust illion Open Data Solutions to help make this step simple, they're trusted by many major banks including Citibank and ANZ. Refer to our terms and conditions for more information.)
All applications are subject to responsible lending criteria.

Step 2

Our clever loan engine will work its magic

Sit back and relax while our clever loan engine checks your credentials.
It will work out your loan limit and a repayment amount that is tailored to you (debited to match your pay cycle to make things even simpler for you!)
Read and review your contract (you'll be amazed at how fast we are!).

Step 3

Get your cash fast!

If approved your money will be in your account within minutes of contract acceptance, 24 hours a day if your bank supports Osko® payments. You can check if yur bank is supported by visiting www.auspayplus.com.au/solutions/osko
If your bank doesn't support Osko payments, deposit can be made in 1 hour if your contract is accepted before 2:30pm (Sydney time) on a business day. Outside of business hours, funs will be deposited the next business day.
Enjoy no upfront or establishment fees!
You will have ongoing fast access to your available funds, once you're eligible you can apply to access your available funds via the Member's Area for a quick decision.

^Additional eligibility criteria applies. Refer to the TMD for more information.

Apply Now

Questions?

We’ll help you get your Smart Loan today!

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Credit Corp Financial Services Pty Limited trading as Wallet Wizard ABN 39 146 525 706 Australian Credit Licence 400871
Osko^® is a registered trademark of BPAY Pty Ltd ABN 69 079 137 518.

The minimum loan amount is $500 with a repayment period of 6 months. The maximum loan amount is $8,000 with a maximum repayment period of 27 months.
Representative Example: Total repayments for a $2,000 loan over 13 monthly repayments is $2,736.11. (Interest cost: $736.11 & Fees: $0)
Calculations based on the Wallet Wizard Smart Loan – Continuing Credit Contract annual percentage rate, which is currently 47.8% per annum.

^*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 payments, deposit can be made in 1 hour if your contract is accepted before 2:30pm (Sydney time) on a business day. Outside of business hours, funds will be deposited the next business day.

^#Subject to eligibility approval.

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Member of Australian Financial Complaints Authority

Design and Distribution Obligations
As a responsible issuer and distributor of financial products, Wallet Wizard designs its products so they are likely to be consistent with the likely objectives, financial situations and needs of the consumers for whom they are intended, and takes steps to ensure that consumers are receiving products that are likely to be consistent with their likely objectives, financial situation and needs. We have prepared a Target Market Determination in accordance with the Design and Distribution Obligations under Pt 7.8A of the Corporations Act 2001. A copy may be obtained free of charge by writing to us at PO Box 4475, Sydney, NSW, 2001, emailing us at hello@walletwizard.com.au, or calling us on 1300 925 538.

We acknowledge the Traditional Custodians of the land on which we work and live and their connection to land, sea and community. We pay our respect to their Elders past and present, and extend that respect to all Aboriginal and Torres Strait Islander peoples today.