Any questions?

Who is Wallet Wizard?

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Wallet Wizard is part of the Credit Corp Financial Services family. We are an innovative lender that utilizes many years of experience in the financial services industry to deliver a range of products. We offer Personal Loans to people in a wide variety of circumstances to suit their individual situations.

Why is the Wallet Wizard process so fast?

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We have an unwavering focus on technology and innovation. We get that people want answers quickly, so we strive to constantly improve our processes to give you the fastest, easiest and most hassle-free way to access cash. Got some feedback that can help us with that, let us know here.

What makes Wallet Wizard different?

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We have made accessing cash so easy with our online process! With our Personal Loan, you can apply for as little as $500 or as much as $5000 with loan terms ranging between 6 months to 36 months. All loans, regardless of loan amount, have an APR of 35.99%. We make sure our customers know upfront the exact number of payments they need to pay off their loans and we never charge extra fees if our customers want to pay the loan off sooner.

Do I qualify?

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We are currently offering Personal Loans to individuals >18 years old whose primary residence is located in the state of Illinois.

Can I borrow if I am receiving social security benefits?

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We welcome applications from customers receiving social security benefits. If you are approved you are offered an amount with estimated repayments to suit your financial circumstances.

How much can I borrow?

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Wallet Wizard offers Personal Loans ranging from $500 to $5000. We assess how much you’re eligible for based on your situation and income.

What do I need to get started?

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To apply all you need is:

  • Your internet banking details
  • Your Social Security Number
  • Your ABA routing number and bank account number (so we know where to deposit your money)
  • Plus all the usual stuff like your name, date of birth, address and income

Are there any credit checks?

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Wallet Wizard is a responsible lender, so yes, we perform credit checks with Experian.

Why supply my statements electronically?

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By supplying them electronically (the step that asks you to input your internet banking credentials) our decision engine can do all of the hard work.

Worried about supplying the information to us?

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The provider of the electronic statement service, Flinks (Service Provider), doesn't pass your account log-in details on to us and we don't have the ability to do anything else to your accounts once you've had your statements sent to us. Rest assured, this is just a service that saves you the hassle of doing it the old-fashioned way. More information about use of Flinks is contained in our Terms and Conditions.

It looks like it is taking more than a few minutes, what is going on?

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From time to time, our team needs to perform a few extra checks (i.e. your bank statements, credit file, employment and details declared on the application). Don't worry, these checks help us comply with our commitment to being a responsible lender and we will only do them if they are needed to get your application completely assessed. Log-in to the Members' Area to see an update on the progress of your application.

I’m already a Wallet Wizard customer. Can I apply for more cash?

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You may apply for a new Personal Loan once you have paid off your current loan with us. Log into the Wallet Wizard Members’ Area to check the status of your account.

I have been approved for less than I applied for, what does this mean?

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We assess how much you’re eligible for based on your situation and income. We will either approve your request or offer an amount that is right for you. Contact Us if you have any questions.

Why was my Personal Loan application declined?

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Wallet Wizard takes a bunch of information into account when making a decision. Give us a call on +1 213 833 3050 to clarify on the reasons for the decision.

How much does it cost?

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Our APR is 35.99%. There are no nasty surprises. Everything is laid out in your contract so you’ll always know exactly what to expect. 

How do I know my repayment amount?

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Your minimum repayment amount is determined by your approved loan amount and the loan term.

Once your loan is approved and accepted, you can see the scheduled repayments in the Members' Area.

Don’t forget, you can make extra repayments whenever you want to pay off your balance faster.

How do I make repayments?

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You don’t need to worry about a thing. We’ll set-up automatic repayments by direct debit on a monthly basis. The money will come out of your bank account on the day that repayments are due.

You can also make additional repayments whenever you want to pay off your balance faster through the Dashboard.

What is our APR/Interest Rate?

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At Wallet Wizard we pride ourselves on being open about how much you need to pay. Our APR is 35.99% based on the balance of the loan.

When are my repayments due?

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You can see your loan repayment schedule on the Members' Area.

Are there any hidden costs?

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We’re here to help you, not stress you out with hidden fees! Everything is set out clearly in your Loan Schedule. Apply for a Personal Loan with us today.

What if I miss a repayment?

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If a scheduled debit is unsuccessful due to insufficient funds, you may have to pay a late fee of $10. If the repayment becomes too overdue, we may have to report your repayment history to the credit bureaus, which in turn, can affect your FICO score. That is why it is best to make sure you make your repayments on time. If you do get into trouble, it's always best to contact us to discuss your situation.

What time does the debit come out of my account?

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It is safest to leave the money in your account on the due date for the whole day.

When will I get the money?

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Wallet Wizard will process the funds on the same day the loan agreement is accepted. Funds may be received in a matter of minutes or may take up to 3 business days (depending on the financial institution).

Do all bank accounts receive the money in the same amount of time?

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No. We don't want to bore you with banking procedures (who has time for that?) but each bank processes our request differently.

What am I responsible for?

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Just be upfront and honest, keep us up-to-date about your situation and income, and make sure there’s enough money in your account when repayments are due. If you don’t have enough money in your account, contact us before your repayment is due. All of the terms and conditions of your contract are set out for you to read before you agree to a Personal Loan. You should be sure you understand your responsibilities before you accept. Apply for a fast Personal Loan with Wallet Wizard today.

When can I request more cash?

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You may apply for a new Personal Loan once you have paid off your current loan with us. Log into the Wallet Wizard Members’ Area to check the status of your account.

I have a question that isn't listed here. What do I do?

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Our team members are only too happy to help. You can contact us here and we will do our best to help you find the answer.