WISHU Loans WISHU Loans Get the app

A connection service, not a lender

Money for the
car repair

WISHU Loans and Cash Advance connects you with participating lenders. Amounts usually range from $50 to $5,000. Exploring options is free, and you never have to accept an offer.

Download on theApp Store How it works
  • Free to explore
  • No obligation to accept

People use WISHU for

  • Debt consolidation
  • Everyday expenses
  • Medical expenses
  • Auto repair
  • Home improvement
  • Business expenses
  • Home taxes
  • Rent or mortgage

How it works

Three simple steps

Complete a few steps to see loan offers that match your information. Nothing is sent until you submit.

  1. 1Complete one application

    Choose an amount from $50 to $5,000 and answer a few questions. Most people finish in about three minutes. WISHU doesn't approve or deny requests.

  2. 2Compare matched offers

    Your request goes to participating lenders, and each one applies its own rules. If there's a match, you'll see offers side by side.

  3. 3Choose your offer

    The rate, fees and repayment schedule come from the lender. Accept only if the numbers work for you, or walk away.

Why WISHU

Less hopping between lender sites.

One introduction instead of a dozen tabs. The offers, when they exist, still come from real providers with their own terms.

  1. Secure handoff Your information travels encrypted and is shared with the lenders involved in your match.
  2. No fee to look Checking options through WISHU costs nothing and does not obligate you to borrow.
  3. No impact on your score Exploring options through WISHU won't affect your credit score. A lender may check your credit if you continue with an offer.
  4. Terms stay visible Rates and repayment windows are the lender’s, shown before you agree to anything.

Learn

Build confidence before you borrow

The Terms tab in the app explains common lending terms in plain language, so you can understand an offer before you accept it.

APR — Annual Percentage Rate

The yearly cost of your loan, including interest and certain fees, shown as a percentage. It gives a fuller picture of a loan's cost than the interest rate alone.

Interest rate

The percentage charged for borrowing, calculated yearly. It's part of your loan's cost, but it doesn't include fees, which is why APR is usually higher.

Loan term

The length of time you have to repay your loan, shown in months. A longer term can mean lower payments but more interest paid over time.

Credit score

A number that reflects your credit history and how you've managed debt. Lenders use it, along with other factors, to help decide loan terms and rates.

Debt-to-income ratio (DTI)

A comparison of your monthly debt to your income, shown as a percentage. Lenders use it to assess how much more debt you can manage.

  • 18+U.S. resident
  • $50Lowest typical ask
  • $5,000Highest typical ask
  • 4%APR can start near
  • 36 moLongest typical term

Repayment often runs from 70 days to 36 months. Estimated APR runs from 4% to 35.55%, depending on the provider and your profile. You need income and an active checking account to send a request.

Examples

Car repair · $800

The car breaks down a week before payday. Enter $800, compare the offers that come back, and choose the one with the lowest total cost, not just the lowest monthly payment.

Illustrative example

Debt consolidation · $3,000

Two card balances, two due dates. Compare the APR and total repayment of each offer to see whether one loan would actually cost less.

Illustrative example

No match this time

Sometimes no lender has an offer. There's no fee and no obligation. You can check again later or explore other options.

Illustrative example

Examples are illustrative, not customer reviews. Offers, rates and terms depend on the lender and your profile.

Straight answers

Is WISHU a lender?

No. WISHU Loans and Cash Advance is a connection service. Participating independent lenders and lending networks make every approval, rate, and term decision.

Does looking affect my credit score?

No. Exploring options through WISHU won't affect your credit score. If you continue with an offer, the lender may run its own review with your authorization.

How much can I request?

Typically $50 to $5,000, repaid over 70 days to 36 months, with estimated APR from 4% to 35.55%.

What if nobody matches?

That happens. There is no fee and no obligation. You can try again later.

See all questions

Get started

Money for the next week, sorted in minutes

Download WISHU Loans and Cash Advance and see what participating lenders may offer. Free to explore.

Download on theApp Store Contact support

Loan amounts typically range from $50 to $5,000 with repayment terms from 70 days to 36 months and estimated APR from 4% to 35.55%, depending on your profile and the provider. You must be at least 18 years old and a U.S. resident to submit a request. WISHU LOANS LLC does not make credit decisions and does not fund loans.