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

— Review updated Oct 2025

- Oct 20, 2025

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.

Read the full review

Wizzay.com At glance

Popularity

The popularity score indicates the percentage of customers choosing this company the last 90 days.

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.

Company name

Wizzay.com

Website

https://www.wizzay.com/

Written by

Joe Chappius

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.

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$50 - $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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