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Common questions
Straight answers about how WISHU Loans and Cash Advance works, what it costs and what to expect.
What is WISHU Loans and Cash Advance?
A loan connection service. You complete one application, and we share it with participating lenders who may make you an offer. We're not a lender, and we don't make credit decisions.
How much does it cost?
Nothing. WISHU is free for you. Lenders may compensate us when we connect them with you, which never changes the rates or terms you're offered.
How do I request a loan?
Download the app, set your amount, answer a few questions and submit. Participating lenders review your request, and if there's a match, you'll see offers side by side.
Am I guaranteed to be approved?
No. Every approval, amount, rate and term is decided by the lender, based on its own criteria.
What loan amounts and terms are available?
Loan amounts typically range from $50 to $5,000, with repayment terms from 70 days to 36 months. Estimated APR ranges from 4% to 35.55%, depending on your profile and the lender. Final terms are always set by the lender.
What if no offers are found?
That can happen. There's no fee and no obligation. You can try again later.
Does requesting options affect my credit score?
No. Requesting options through WISHU doesn't affect your credit score. If you continue with a lender, it may check your credit as part of its own process.
What do APR, loan term and DTI mean?
The app's Terms tab explains common lending terms in plain language, including APR, interest rate, loan term, credit score and debt-to-income ratio. See also Learn.
Is my information secure?
Your information travels over an encrypted connection and is handled under our Privacy Policy. We share your request with participating lenders in our network so they can review it.
What if I entered incorrect information?
You can review your details before you submit. To update them later, open Account in the app, or write to contact@wishuloans.com.
How do I delete my data?
In the app, open Account → Delete all data. You can also email contact@wishuloans.com from the address you used, and we'll delete your account and personal information as described in our Privacy Policy.