How our Smart Loan works

Fast application and quick decisions

$500-$8000

Credit limits from $500 up to $8000.

Ongoing access to credit

Ongoing fast access to your available credit, once you’re eligible you can apply to access your available credit via the Member’s Area for a quick decision.

Tailored to suit you

Repayments that match your financial situation, debited to match your pay cycle to make things even easier.

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Apply for your fast Smart Loan in 3 easy steps

Complete a fast easy online application

Fill out a simple form that tells us about your income and other financial details.
Use our automated service to supply us with your bank statements instantly!
All applications are subject to responsible lending criteria.

Watch our clever loan engine work its magic

Sit back and relax while our clever loan engine checks your credentials.
Let it work out your credit limit and a maximum repayment amount that suits you.
Read and review your contract (you'll be amazed at how fast we are!).

Get your money nice and quick (woop woop!)

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 your 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, funds will be deposited the next business day.

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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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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.