Calculating Smart Loans with our clever loan engine

We understand our customers and know that speed, convenience and privacy are important to them. We also get that when our customers require a Smart Loan, it’s usually because they need it now – not in a few weeks.

So we developed the smart Wallet Wizard loan engine. It’s a system in which details are analysed in minutes. And a decision on approved credit limits can be made for customers fast so you don't need to wait.

How does the Wallet Wizard loan engine work?

Our loan engine is where all the magic happens. Instead of paperwork, long meetings and worrying about an answer, you tell us your income, financial commitments and get us electronic copies of your bank statements (that’s right, you don’t have to do go chasing your bank for your statements if you don’t want to).

Then, hey presto! In five minutes – yes, only five minutes – we assess your online application and give you a decision quickly.

What if it takes longer?

In some cases, it might take longer than five minutes but that’s only because we may need to verify a few extra details and sometimes if you send us your statements manually we have to help the engine out a bit. Don’t worry, it doesn't take long and won’t affect how quickly you receive your cash once your Smart Loan is approved.

How long does it take to receive my cash?

Your money will be transferred to your bank account within an hour of approval (often within minutes!) if you are approved and accept your contract before 2:30pm on a business day. Receiving the money can take slightly longer depending on who you bank with. If you accept your contract after 2:30pm or outside normal business hours, you will receive your cash the next business day.

Turn weeks into minutes. Save time and get a Smart Loan from Wallet Wizard today.

Apply Now