Personal Loans: Wallet Wizard Smart Loan Anywhere in Australia

Get up to $8000 fast

Whether you’re taking a break, buying a new car, or need emergency funds, Wallet Wizard is here to offer you fast and straightforward access to cash. Our Smart Loan is designed to be secure, simple, and fast, with amounts available up to $8000.

How it works

Wallet Wizard provides:

Full transparency and no hidden fees
A quick and easy online application — no paperwork hassle
A smart decision-making system to quickly determine your approval and loan amount
Fast ongoing access to your available credit as you pay off your balance via our redraw feature (once eligible)
Strong security to protect your information

How to get a Wallet Wizard Smart Loan (Personal Loan)

To apply, you’ll need:

Your internet banking details
Two forms of ID (choose from your driver’s licence, Medicare card, or passport)
Your BSB and bank account number (for depositing funds)
Basic personal details, such as your name, date of birth, address, employment info, and details of your expenses and any other loans

How much does it cost?

There are no unexpected charges. Everything is clearly outlined in the contract, so you’ll always know what to expect. While other lenders charge significant upfront and monthly fees, Wallet Wizard has no upfront fees or ongoing account keeping fees and only charges interest on the unpaid balance.

Here’s our simple fee structure:

Annual fee: $0
Service fee: $0
Credit limit increase fee: $0
Over-limit fee: $0
Manual payment fee: $0

A Direct Debit Reversal Fee of $0.55 applies but we won’t charge this if you get in touch with us first in accordance with the terms of your Direct Debit Request.

An Arrears Fee of $1.00 per day if the account is overdue for more than 14 days, capped at $100 per rolling 12 month period.

Stay informed

We’ll send you SMS reminders and email your statement 3 days before your repayment is due, so you can always stay on top of your finances.

Extra repayments

You can make extra repayments whenever you like to pay off your balance faster, with no additional fees or penalties for early repayment.

What is the interest rate?

The current annual interest rate is 47.8% p.a.

Apply Now

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.