The Smart Choice for Trusted Lending Services
- Competitive Rates
- Flexible Terms
- Personalized Options
- Transparent Fees
- Financial solutions
Get the Funds You Need with Wise Choice Lending
At Wise Choice Lending, we offer a range of lending services to help individuals and businesses achieve their goals. Our loans come with competitive interest rates and flexible repayment terms, and our experienced team is dedicated to providing you with personalized service and quick approvals. We understand that navigating the financial world can be complex and overwhelming, which is why we work hard to make the loan process as easy and straightforward as possible. Contact us today to learn more about how we can help you achieve your financial goals.
Get financial help with flexible, unsecured personal loans - designed for your needs.
Grow your business with tailored loan options to fit your unique professional needs.
Simplify your finances with our consolidation loans - one easy and simple payment.
Achieve your renovation goals with our house improvement loans - make your home functional.
Why choose Wise Choice Lending to assist securing a loan?
At Wise Choice Lending, we understand that managing finances can be a daunting task. That's why we offer personalized lending services with competitive rates and quick approvals to help you achieve your financial goals. Whether you need a personal loan or business loan, our experienced team can provide expert advice and guidance to help you find the best solution for your specific needs.
We're committed to educating our clients about their lending options and facilitating solutions to help them achieve their financial objectives. Our mission is to provide trusted lending services that empower people to take control of their finances and achieve a brighter financial future. Contact us today to learn more about our lending services and take the first step towards a more secure financial future.
Frequently Asked Questions
Below are some of the more common questions asked. For additional questions, please feel free to call (888) 224-1780 to speak with a WCL representative.
Wise Choice Lending (WCL) is a financial services provider focused on finding the best, most logical loan options available for a client's particular needs. Their goal is to empower individuals and businesses to take control of their finances and achieve financial stability by offering expert guidance and support. They have a wide range of available options, regardless of the applicant's financial history, and they have carefully selected reputable lenders that offer attractive rates in the current market.
Wise Choice Lending provides access to various different unsecured personal and business loans from various lenders. These unsecured loans provide quicker access to funds and can be utilized for a variety of purposes, including: consolidation, home improvement, equipment and more.
An unsecured loan means that no collateral (property) is required to secure financing. The personal loans offered by Wise Choice Lending are unsecured, meaning that the applicant does not need to provide any form of collateral to receive funds.
Loan requirements at Wise Choice Lending vary by applicant and are depend on the lender. Most lenders consider various criteria when determining if the applicant qualifies, including: credit score, employment status, debt-to-income ratio and utilization.
If a loan application is declined at Wise Choice Lending, the WCL representative will collaborate with the applicant to assist in finding alternative financial solution that fits their needs.
If the loan terms offered by Wise Choice Lending are unsatisfactory, the WCL representative will work with the applicant to find another financial solution that better suits their needs.
The verification process varies depending on loan types and lenders. Generally, lenders need to conduct a soft credit inquiry to provide better transparency into your overall financial position. Several factors are looked at, including: credit score, employment status, debt-to-income ratio, utilization and other relevant factors. Checking your rate with Wise Choice Lending does not affect your credit score.
No, it not difficult and is very quick. At Wise Choice Lending, we make it easy for you to find the right loan from the right lender at rates that work for you.
Having your Wise Choice Lending representative look into initial offers and terms available to you will not affect your credit score. However, after accepting a loan offer and after signing the lender's loan agreement, a hard inquiry may be required and reported to at least one Credit Reporting Agency. Reporting a hard inquiry may affect your credit score.
Borrowers often receive their loan funds within 24-72 hours from the time their loan is approved for funding. Please note that weekends, holidays, and your bank's ACH processing policy can extend funding times.
No, we do not offer loans outside the United States at this time.
Your information is secured and protected. Please see our privacy policy for more information.
Contact your lender directly for any questions about your account once your loan has been processed.
To check which offers are available to you, simply provide us with a few pieces of information, such as your name, address, U.S. tax identification number (SSN or EIN), and valid email address.
DISCLAIMER
Wise Choice Lending LLC (WCL) provides loan referral services for unsecured personal and business loans. All loan requests submitted through Wise Choice Lending are funded by a third party. Wise Choice Lending has no control over the credit worthiness eligibility criteria of participating third-party lenders. Typically, all individuals applying for credit must be at least 18 years old, a U.S. citizen or permanent resident, and have a valid bank account and Social Security Number/FEIN. APR/Interest rates are subject to variation depending on applicant qualifications and individual lender terms. All loan applications will be subject to credit review and approval, and WCL is not responsible for approving loans or determining the loan amount. Any mutually agreed upon loan agreement will clearly identify the lender along with their contact information and all on-going communication will be direct between the lender and borrower. Wise Choice Financial has no control over the rates and fees charged by lending partners, and urges borrowers to review the associated terms before accepting or declining an offer. Borrowers are not obligated to accept any offer and can cancel the process at any time. Wise Choice Lending cannot be held accountable for any charges or terms presented by a lending partner, and is not responsible for any agreement between the borrower and the lender. By using the service, borrowers authorize WCL to make inquiries and obtain information to evaluate eligibility, including credit reports, income verification, and employer contact. Identification information and credit experience information may also be provided to others in accordance with applicable law. Lending partner terms may vary, and not all applicants will be chosen or approved for a loan. If an applicant is not chosen by a lending partner, they may be presented with alternative options or their information may be offered to third-party advertisers and generators. Any of the information that you read on this website may be changed at any time without any prior notice. We can not guarantee that your submitted information will be provided to a lending partner or that a lending partner will approve you for a loan. Loans offered by lending partners are expensive forms of credit intended for short-term financing to solve immediate financial needs. WCL does not discriminate on the basis of race, color, religion, sex, marital status, national origin, or ancestry.