About Wizzay
Wizzay.com was created to help consumers access money without hassle and wasted time.
We understand emergencies exist that may require access to cash. That’s why we simplified the process of finding a lender or lending partner to get the money you need. You no longer have to visit dozens of websites, fill out numerous requests or stand in line at a local store. We are not a lender or lending partner, but submitting your information through our secure online form will help us connect you with one of our participating lenders and lending partners in our network.
The lenders and lending partners we work with are willing to help you get the cash you need. Each lender or lending partner in our network has made the approval process quick and easy, usually with a loan agreement that you can review and sign online.
We look forward to helping you with your personal lending needs.
Who can qualify for a personal loan?
Most lenders or lending partners require you to:
- Be employed in your current position for approximately 90 days or have another source of adequate and predicable income;
- Be at least 18 years old, and a US citizen or a permanent resident;
- Have an income of approximately $1,000 per month after tax withholdings; and
- Have a valid email address, work phone number and home phone number.
It’s That Simple
1. Complete Form
We use this information to connect you with lenders that want to work with you.
2. Pick Loan Offer
Connect with one or more loan offers and decide if it’s right for you.
3. Get Cash
Receive your funds in as fast as one business day.
How Long Does the Process Take?
It should only take a few minutes to complete our secure online form. After we receive your information, we immediately start looking for a lender or lending partner that is willing to work with you. You should have a response from one of our lenders or lending partners within minutes. Final approval and funding is often done in as little as 24 to 48 hours.
How will I receive the loan money?
Once the lender or lending partner approves your loan and you accept the loan terms, your loan will be deposited directly in your bank account, usually as soon as the next day.
If I already have an outstanding cash advance loan is it possible to get a new one?
You may be allowed to secure more than one personal loan at any given time, but this will depend on your state’s laws as well as your lender’s or lending partner’s practices. If you have an outstanding personal loan or other personal loan, you should let your new lender or lending partner know about it before you accept a new loan.
When and how do I repay my loan?
If you have selected the convenient and secure ACH payment option, your loan payment will be withdrawn from your bank account on its due date. This option is designed for convenience and helps you avoid potential late fees or default! If you need an extension on your loan, please contact your lender or lending partner before you miss a payment (additional fees may be involved).
What happens if I’m late with a payment?
Each lender or lending partner has its own late payment policy and fees. Check your loan documents for details or contact your lender or lending partner directly. Some states may regulate or limit late fees.
What happens if I’m not able to repay my loan?
If you can’t make your loan payments on time, you may be in default of your loan obligations. Late payments and loan defaults may adversely affect your credit and may make it difficult to obtain future personal loans.
If you can’t make your payments on time, don’t ignore it! Talk to your lender or lending partner ahead of time and see what they can do to help you make the best of the situation.
