Wisr

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.

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

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

• Consumer lending
• Personal loans
• Debt consolidation
• Credit scoring
• Neo-lending

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. Secured Vehicle Loans: Revenue from secured loans for vehicle purchases, with the loan secured against the vehicle as collateral.
3. 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

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability3 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• EquifaxcoreTechnology or IntegrationCredit 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.
• ExperiancoreTechnology or IntegrationCredit reporting body partnership for credit score and credit history data. Used alongside Equifax to provide comprehensive credit information for loan eligibility assessments.
• InDebtedminorImplementation/ SI/ Consulting PartnerDebt 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)coreOthersExternal 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

Direct 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

• LinkedInlinkedin.com/company/wisr
• Xx.com/get_wisr

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Subsidiaries2 records

Funding overview

Funding rounds5 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Wisr