Need an alternative to a short term loan in Australia? Wallet Wizard

From $500 to $8000

Wallet Wizard is a fast and simple solution when you temporarily run short of cash. We’ve made access to cash simpler and more affordable. Compare Us and see how you pay less than you will at other lenders.

Apply for your fast Smart Loan in 3 easy steps

Complete a fast easy online application
Our smart decisioning process can give you an outcome in minutes
Once approved, you could receive your cash within minutes*

What makes Wallet Wizard different from short term loans?

Not only are your repayments more affordable with Wallet Wizard (check it out), but with our Smart Loan you can apply for up to $8000 cash.

As you pay off your account balance and credit becomes available, you can apply to access more cash in just a few quick steps via the online Members’ Area. This is called a redraw.

Wallet Wizard is NOT a Payday loan

The Stop the Debt Trap Alliance Report defined a Payday loan as follows:

“A Payday loan (also known as small amount credit contracts or SACCs) are high cost fast loans of up to $2000 paid back over a period of 16 days to 12 months.

“These loans are high cost because you can be charged a number of significant fees on top of the original loan"

“Equivalent annual interest rates for these loans can vary anywhere between 112.1% up to as high as 407.6%"

Unlike other lenders Wallet Wizard has no upfront fees or ongoing account keeping fees – just a single interest rate where you only pay interest on the unpaid balance.

What is the interest rate?

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

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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.