Wizzay.com Review 2025: APRs, Fees, Eligibility & Alternatives

Review updated Aug 2025

Written by Joe Chappius

- Aug 22, 2025

Edited by Ricardo Laizo

Wizzay operates as a loan marketplace connecting borrowers with potential lenders rather than providing direct loans.

While their application process is user-friendly, the quality of service depends heavily on the lender you're matched with.

Their value lies in convenience for comparing options, but expect variable interest rates and be prepared to thoroughly review all terms before accepting any offer.

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Wizzay.com At glance

Read reviews (5)
Written by

Joe Chappius

Company name

Wizzay.com

Website

https://www.wizzay.com/

Pricing

Interest rates and fees appear to be above market average. As a loan marketplace, Wizzay connects borrowers with lenders who set their own rates, which can vary widely. Some reviews indicate higher-than-expected costs.

Customer Support

Based on available reviews, response times appear to be slow (5+ days in some cases). Customer service representatives are described as polite but often unable to resolve specific issues, particularly when problems arise with connected lenders.

Terms and Flexibility

Standard industry terms that follow regulatory requirements. While the platform is transparent about being a connector service, some borrowers report confusion about the final loan terms they receive from lenders.

Customer Experience

The application process is straightforward, but the experience after submission receives mixed reviews. While some users report quick funding, others mention delays and communication issues between Wizzay and partnered lenders.

Pros & Cons

  • Fast Decisions & Next-Day Funding: The site says decisions can arrive within minutes and funding can happen as fast as 24 hours.

  • One Form, Multiple Lenders: Wizzay submits your info to a network of lenders and redirects you to review terms on the matched lender’s site.

  • Flexible Loan Sizes: FAQs indicate many partners offer between $100 and $5,000, covering small emergencies up to a few thousand.

  • Free to Use: Wizzay states its service is free for consumers; lenders pay referral fees for connections.

  • Not a Direct Lender (Lead-Gen Ping Tree): Wizzay isn’t a lender; it operates as a lead-generation model, and may connect you to the highest bidder among lenders - so pricing and service vary, and you might not always get the cheapest option.

  • Potential High-Cost Matches (Including Tribal/Payday): You may be routed to tribal lenders or payday lenders with significantly higher costs; the CFPB notes typical payday loans can approach ~400% APR.

  • Not Available in All States: The site notes loans aren’t available everywhere, so eligibility depends on your state.

Details

Wizzay.com loan

Terms & fees

Loan amount$500 - $5,000
Term1 day - 2 years
Annual interest rate5.9% - 35.99%
Origination feeVaries by lender
Monthly feesVaries by lender

Requirements

Minimum age18
Minimum income$1,200
National bank requiredYes
National phone number requiredYes
Citizenship requiredYes
Electronic identificationYes

Features

Cosigner possibleNo
Revocation periodYes
Accept bad credit historyYes
Weekend payoutNo
Loan extensionsYes
Early paybackYes
Payment within 24 hoursYes
Loan brokerYes
Interest free loanNo

Additional fields

Payment hoursAlways Open
High approval rateNo
Credit check companyEquifax, Experian, TransUnion
Recommended companyYes
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