Wisr
Wisr is an ASX-listed Australian neo-lender providing personal loans, secured vehicle loans, and debt consolidation products to Australian consumers via its Wisr App, website, and a nationwide broker network, using Equifax and Experian credit data for personalized rate-based underwriting.
- Company typePublic
- Founded2015
- HeadquartersSydney, Australia
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Wisr does
Wisr is an ASX-listed Australian neo-lender (ASX: WZR) that provides personal loans, secured vehicle loans, and debt consolidation products to Australian consumers through a digital platform operated under Australian Credit Licence and Australian Financial Services Licence No. 458572. The company's technology stack centers on the Wisr App (available on iOS and Android), which serves as the primary customer interface for loan management, credit score monitoring, and the Round-Up micro-savings feature, alongside a direct-to-consumer website offering quote estimates that do not affect credit scores. Wisr integrates with Equifax and Experian as an Access Seeker under the Privacy Act 1988, enabling personalized rate-based lending decisions driven by credit scoring algorithms. Supporting tools include the Debt Bustr debt consolidation calculator and a Broker Partner Portal used by the company's intermediary distribution channel.
Wisr distributes its products through two complementary channels: a direct-to-consumer digital channel (website and mobile app) and an extensive third-party broker network supported by 14 named Business Development Managers across all Australian states. The broker channel is supported by the Partner Portal for application tracking and offers commission-based incentives. Wisr's customer base consists of individual Australian borrowers seeking personal financing, debt consolidation, and vehicle loans, with no max age or postcode restrictions as part of its inclusive credit policy positioning.
Revenue is generated primarily through interest charged on personal and secured vehicle loans, with H1FY26 revenue of A$51.5 million (+14% YoY) and a loan book of A$928.5 million (+23% YoY). Loan originations reached A$311 million in H1FY26, up 82% YoY, and the company achieved a profitability inflection in Q2FY26 with guidance for H2FY26 Cash NPAT profitability. In November 2025, Wisr completed a A$10.6 million equity capital raise and refinanced its corporate debt facility at a lower interest margin, providing balance sheet capacity to continue scaling the loan book and invest in the Wisr App ecosystem.
Wisr firmographics
Firmographics- Name
- Wisr
- Legal name
- Wisr Limited ACN 004 661 205
- Website
- https://wisr.com.au
- Company type
- Public
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Wisr is an ASX-listed Australian neo-lender providing personal loans, secured vehicle loans, and debt consolidation products to Australian consumers via its Wisr App, website, and a nationwide broker network, using Equifax and Experian credit data for personalized rate-based underwriting.
- Ownership category
- akta.pro rank
Wisr industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Mortgage and Nonmortgage Loan Brokers (52231), Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Wholesale Mortgage Lending (Broker Channel) (FSALACAA)
- akta.pro secondary industry
- BNPL Underwriting & Credit Decisioning Platforms (FSAGAIAD)
Keywords
Where Wisr is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Wisr business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Personal Loan Interest: Wisr generates revenue primarily through interest charged on personal loans. Interest rates are personalized based on each customer's unique credit score. The loan book reached $928.5 million in H1FY26.
- Secured Vehicle Loans: Revenue from secured loans for vehicle purchases, with the loan secured against the vehicle as collateral.
- Transaction Fee (Wisr App): Wisr App Round-Up service may deduct transaction fees from user contributions before transferring to goal accounts. The service is described as free for users though fees may be introduced for additional costs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Personalized rate based on credit assessment |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels7 records
Wisr product offering
Product offeringCore offering
Wisr is an Australian ASX-listed neo-lender that provides personal loans, secured vehicle loans, and debt consolidation loans to consumers, with personalized interest rates based on individual credit scores. The company also offers free credit score monitoring and a mobile app (Wisr App) with a Round-Up micro-savings feature for accelerated debt repayment, distributing products through both direct digital channels and an accredited broker network.
Product overview
Wisr is an Australian neo-lender offering a comprehensive digital lending platform with multiple interconnected products. The core offerings include Personal Loans, Secured Vehicle Loans, and Debt Consolidation loans, all featuring personalized rates based on credit scores. The ecosystem includes the Wisr App mobile platform for loan management, the Round Up micro-savings feature for debt reduction, and the Debt Bustr calculator for debt payoff planning. Wisr also provides free Credit Score monitoring through Equifax and Experian integrations, and operates a Broker Partner Portal for distribution through brokers. The company publishes the annual Money On Your Mind Report as thought leadership.
Differentiator
Problem solved
Functional benefit
Brands
- Wisr App: Mobile application for managing loans, checking credit scores, and using Round-up feature for debt repayment
- Debt Bustr
Products and services
- Personal Loans Unsecured personal loans with interest rates personalized based on individual credit scores, offering flexible terms (3, 5, and 7 years) for debt consolidation, home improvements, major purchases, and general financial needs of Australian consumers.
- Secured Vehicle Loans Loans for vehicle purchases secured against the vehicle as collateral, offering competitive rates to Australian consumers financing car purchases.
- Debt Consolidation Loans that combine multiple debts (credit cards, personal loans, BNPL) into a single manageable repayment, potentially reducing interest costs and simplifying finances for Australian consumers managing multiple debt obligations.
- Credit Score Free credit score checking service for Australian consumers that obtains credit information from Equifax and Experian without affecting the user's credit score, allowing continuous monitoring of credit standing over time.
- Wisr App Mobile application for iOS and Android that provides loan management, credit score tracking, the Round-Up savings feature, financial guides, and hardship assistance tools for Australian consumers.
- Broker Partner Portal Online portal for accredited finance and mortgage brokers to submit and track Wisr loan applications for their clients, access BDM support, and manage client relationships, supported by a dedicated BDM team across Australia.
Quantifiable outcome
- Customers using Wisr App were 41% further ahead on loan repayment balance compared to non-app users
- +3 more outcomes
Companies that use Wisr
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Wisr technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature3 records
Wisr partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- EquifaxcoreCredit reporting body partnership for obtaining credit scores and credit history information. Wisr acts as an Access Seeker under the Privacy Act to obtain consumer credit information for loan assessments.
- ExperiancoreCredit reporting body partnership for credit score and credit history data. Used alongside Equifax to provide comprehensive credit information for loan eligibility assessments.
- InDebtedminorDebt collection partner engaged when accounts fall into default (typically around 60+ days late). InDebted contacts customers for payment collection and pursues full loan amounts if no response.
- Australian Financial Complaints Authority (AFCA)coreExternal dispute resolution scheme for handling customer complaints that cannot be resolved internally. Registered member providing independent dispute resolution for customers.
Scale indicators11 records
Recent moves9 records
Expansion highlights6 records
Wisr competitors and assessment
Company assessmentDirect peers
- Harmoney: Australian personal loan lender operating a marketplace model across unsecured personal loans - directly comparable to Wisr's personal loan focus and credit-score-based pricing, with similar end customers.
- MoneyMe: Australian ASX-listed neo-lender offering personal loans, car loans and debt consolidation - directly comparable to Wisr in product mix, target customer (Australian consumers), and broker-led distribution model.
- SocietyOne: Australian personal loan neo-lender using risk-based pricing tied to credit scores - directly comparable to Wisr's core personal loan and debt consolidation offering for Australian consumers.
- Plenti Group: ASX-listed Australian consumer lender providing personal loans and asset finance - directly comparable as an Australian neo-lender competing for similar broker-distributed consumer loan volume.
Broad incumbents
- Liberty Financial: Australian non-bank lender with diversified consumer finance and mortgage products - broader incumbent competing with Wisr for non-bank consumer loan demand.
- Latitude Financial: Larger Australian non-bank consumer finance provider offering personal loans, credit cards, and vehicle finance - broader incumbent competing with Wisr on consumer loans and vehicle finance.
- Pepper Money: Established Australian non-bank lender with personal loan, mortgage and asset finance products - broad incumbent overlapping with Wisr's personal loan and secured vehicle loan products.
Regional players
- Cash Converters: ASX-listed Australian consumer finance and second-hand retailer offering personal loans to non-prime consumers - comparable niche positioning to Wisr's inclusive credit policy serving under-served borrowers.
Emerging players
- Zip Co: ASX-listed BNPL and consumer credit provider competing for the same Australian alternative-lending demand - overlapping audience with Wisr's credit-conscious consumers, though structured as revolving credit rather than personal loans.
- Block (Afterpay): BNPL leader in Australia now part of Block, competing for the same alternative-lending consumer wallet as Wisr with point-of-sale financing and broader credit products.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Wisr social profiles
Digital presenceWisr compliance and trust
Trust signalCompliance7 records
Wisr financial estimates
Financial estimateRevenue estimate
Valuation estimate
Wisr leadership team
Management profileNumber of profiles
Profiles8 records
Wisr subsidiaries and ownership
Company hierarchySubsidiaries2 records
Wisr funding detail
Funding detailFunding overview
Funding rounds5 records
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Wisr M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Wisr
What does Wisr do?
Wisr is an Australian ASX-listed neo-lender that provides personal loans, secured vehicle loans, and debt consolidation loans to consumers, with personalized interest rates based on individual credit scores. The company also offers free credit score monitoring and a mobile app (Wisr App) with a Round-Up micro-savings feature for accelerated debt repayment, distributing products through both direct digital channels and an accredited broker network.
Is Wisr a public or private company?
Wisr is a public company. It is classified as public and is currently operating.
When was Wisr founded?
Wisr was founded in 2015. It employs 101 to 250 people.
Where is Wisr based?
Wisr is headquartered in Sydney, Australia, in the Oceania region.
How does Wisr make money?
Three revenue lines are on record. Personal Loan Interest is the primary driver. The others are secured Vehicle Loans and transaction Fee (Wisr App).
Who are Wisr's main competitors?
Direct peers on record are Harmoney, MoneyMe, SocietyOne and Plenti Group. Broad incumbents are Liberty Financial, Latitude Financial and Pepper Money. Cash Converters is listed as a regional player. Emerging players are Zip Co and Block (Afterpay).
Does Wisr have an API?
No public API is recorded for Wisr.
What industry is Wisr in?
Wisr's product category is Consumer Lending. Its primary akta.pro industry code is FSALACAA, Wholesale Mortgage Lending (Broker Channel), with a secondary code of FSAGAIAD, BNPL Underwriting & Credit Decisioning Platforms. Its NAICS code is 52231 and its SIC code is 6163.