Specialist

Wisr

Digital lender with personal and car loan focus. ASX-listed; positions on financial wellness with credit-score insights and round-ups.

SydneyFounded 2014Australian Credit Licence 458572

Wisr at a glance

Wisr is a specialist non-bank lender. It offers car loans and personal loans.

Lender type: Specialist
Bank or non-bank: Non-bank lender (not an ADI)
Credit licence: ACL 458572, Wisr Finance Pty Ltd
Lends: Car loans, Personal loans
Headquarters: Sydney

Strengths

Risk-priced rates
Wisr App with financial-wellness features
Fast decisions

Watch out for

Tier-priced rates can rise sharply

Wisr loans and products

What Wisr offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to Wisr’s own rate card.

Wisr car loans

Compare car loans lenders

Secured (new vehicle)

Wisr Secured Car Loan (Excellent)

PPSR-secured
Excellent credit tier
Fixed rate

Current rate: published on Wisr's own rate card

Wisr personal loans

Compare personal loans lenders

Unsecured

Wisr Personal Loan (Excellent)

Tier-1 unsecured
Round-ups feature

Current rate: published on Wisr's own rate card

Alternatives to Wisr

Other lenders in our directory that offer car loans, personal loans, starting with other specialist lenders.

See the full list of non-bank lenders in Australia

Wisr: frequently asked questions

Is Wisr a bank?

No. Wisr is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 458572, held by Wisr Finance Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.

Who owns Wisr?

Wisr Finance Pty Ltd is a wholly owned subsidiary of Wisr Limited, which is listed on the ASX.

Does Wisr offer car loans?

Yes. Wisr’s car lending includes Wisr Secured Car Loan. Compare it with the other car loan lenders on our car loan comparison page, which links to each lender’s current rates.

What is Wisr’s credit licence number?

Wisr Finance Pty Ltd holds Australian Credit Licence 458572. You can check a licence on ASIC’s Professional Registers before you apply.

General Advice Warning

The information on this website is educational and general in nature only. It does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for you and seek advice from a qualified professional before acting.

Last reviewed 13 October 2026

Licensing

Your Finance Guide is the publishing brand and is not licensed to provide credit assistance. Credit assistance is provided by the licensed broker you are introduced to, who holds an Australian Credit Licence or is a credit representative of a licensee.

Last reviewed 13 October 2026

How We Are Paid

Your Finance Guide is free to use. Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Brokers are usually also paid a commission by the lender when a loan settles. Full details are in our Credit Guide.

Last reviewed 13 October 2026

Your Finance Guide publishes the disclosures above as a single editorial source of truth. Updates are versioned centrally, the dates beside each item reflect the most recent review.