Rating based on 39 reviews

Wisdom Financial

  • Personal loans up to £20,000
  • Low-interest starting from 4.5%
  • Repayment up to 84 months

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Wisdom Financial homepage
Author Wisdom Financial. Screenshot of Wisdom Financial website.
[Accessed April 28, 2020]

About Wisdom Financial

At Wisdom Financial we provide financial solutions to everyone in the UK.

You can always run to Wisdom Financial when you're face-to-face with an unanticipated expense or a bigger-than-awaited bill, you need money fast. We are a trustworthy, responsible, and friendly lender to give you cash when you need it the most.

We are a registered lender

When you decide to work with Wisdom Financial, it is more like applying for peace of mind. We are not scammers your details are safe with us. We are registered and authorized by FCA. FCA regulations enforce us to conduct a credit scan and affordability scan before giving small short-term loans. And we will never give you more than what your monthly income can afford.

You don’t regret choosing us

Choosing to work with Wisdom Financial is more like taking the first step to financial freedom. We are a responsible lender that you can trust whether you want a payday loan or an installment loan. We are a premium lender and our products include online no guarantor short-term loans. Wisdom Financial also consider loan application from people with bad credit.

Receive your loan in an instant

We are fully aware that people are busy, and they do not have the whole day to apply for loans. Hence, we make sure you receive what you need in an instant. We approve and fund small loans on an hourly basis with no extra charges.

Wisdom Financial Services

You do not have to wait and hassle for a small amount of loan with neither collateral nor guarantor.

It is easy to get financial products from Wisdom Financial since communication takes place only between the borrower and a customer representative of the lender. And all repayments are made directly to the lender who helps you out on your financial journey.

Apply for a personal loan 

A personal loan is a fund you apply for to cover your personal expenses. You will be expected to repay the loan in monthly installments over a certain period. Personal loans are designed to suit your monthly budget. They have low-interest rates because repayments are made directly to lenders. You can get unsecured loans of up to £20,000, with no upfront fees. Or secured loans of up to £500,000 against your property, low-interest rate.

The benefits of borrowing from us

There is a wide range of lenders in the UK. If you choose to work or rather use our service, we make sure that we keep you happy and look forward to taking another loan. So, here are the benefits of choosing our services:

  • You get flexible small loans of up to £20,000.
  • Our website is secured.
  • When you are approved, your loan is transferred to you within minutes.
  • We do not work with third parties. It is only you and us.
  • We offer excellent customer service, and you save on broker fees.
  • Wisdom Financial maintains the confidentiality of personal data.

Wisdom Financial – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 4.5%
  • Loan Amount up to £20,000
  • Repayment 1 month to 84 months

Benefits of Wisdom Financial

  • You get flexible small loans
  • Our website is secured
  • When you are approved, your loan is transferred to you within minutes.
  • We offer excellent customer service

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Apply for amazing financial products at Wisdom Financial

We have an online application form.

We have an easy, simple, and quick application form. You can apply for a Wisdom Financial loan even if you have bad credit.

How do Wisdom Financial work

At Wisdom Financial we have more-than-adequate funds to lend to you from our pocket. Our loan process consists of 3 simple steps which include application, decision, and funding. These steps are only made after you have filled out the application form which is found online on our official website and can be completed within 2 minutes. You'll be funded within an hour or at most within 24 hours, once you get approved.

Wisdom Financial lending criteria

We only consider application forms that are within our lending range. You need to meet the following criteria to be approved:

  • Be at least 18 years old
  • Be employed full-time or part-time
  • Be a UK resident and have a debit card linked to any UK bank account
  • Be honest when you fill in the application form
  • Have a valid UK mobile number and email address

We perform a credit check before granting you a loan

At Wisdom Financial we will never give you any loan without verifying your suitability of the loan. We are obligated by FCA regulations. Although we look at your credit file, we don’t think your credit score should impact your borrowing chances, because at Wisdom Financial we also offer loans to people with bad credit.

Wisdom Financial guarantor loan

Guarantor loans are made for people who have never had credit before or someone who have a low credit rating. Guarantor loans mean a lot of time and unnecessary paperwork. At Wisdom Financial we do not want to complicate anyone’s life. However, you can get a family member or close friend to back you up in the case you can’t repay.

When you need any of our services, you can simply visit our website and start the online loan application form. Or rather visit any of our branches to get help from our consultants to apply for a loan.

Customer Reviews & Testimonials

September 2019

Wisdom Financial has the most convenient financial products in the UK

Jerry U
— London —

December 2019

The interest rates offered at Wisdom Financial is so low. Which makes it easy to cope with the monthly installments

Denis Y
— England —

Wisdom Financial Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed