Rating based on 42 reviews

Wisdom Financial


  • Affordable loans
  • Loans Bad Credit up to £20,000
  • Low rates

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Wisdom Financial homepage

Author Wisdom Financial. Screenshot of Wisdom Financial website. [Accessed May 17, 2020]

About Wisdom Financial

There could be a number of reasons that may make you request a bad credit loan.

If there is a medical bill you might have forgotten to pay for or you would like to pay for your vehicle maintenance, you can always visit the idea of applying for credit with affordable credit plans that Wisdom Financial offers you. One should never go through financial problems alone while we are here and willing to help you.

What are the credit requirements for a Wisdom Financial loan?

If you are interested in our credit plan, the customer has to be above the age of 18. At age, we believe that a client is mature and knows the implications of applying for credit and not paying it on time. The customer also has to be a UK resident and should bank with any of the registered UK bank accounts. The customer must be engaged in full time or part time employment that gives you a decent salary on a monthly basis. This is the only way we can attest that you will be able to pay for the fast cash loan that you are applying for.

Truthful and transparent information while applying should take prerequisite

The only time we won’t be able to help you when you apply for a bad credit loan with Wisdom Financial is when you have submitted incorrect and false information. It is best to stick to providing us with accurate information. There is the wrong perception that customers tend to make the mistake of giving us exaggerated responses with the intention of being granted a loan. This is not a good representation of a client and you will not be considered in the future if you have been found with guilty of providing us with the wrong details.

Wisdom Financial Services

A qualifying customer can get a maximum of £20,000. This will only depend on your credit profile.

Should you find that you can actually qualify for an even larger amount of money but you only need a smaller amount, please settle for what you were applying for in the beginning. This is so that you don’t find yourself in a difficult situation where you can no longer afford the loan for bad credit you applied for. Financial discipline is key otherwise you will always find yourself between a rock and a hard place. Lastly, you should always borrow money for something that is a sense of emergency and not something that can wait until your next payday.

Why do you do a credit check?

A credit check is done for the sole purpose of ensuring that the customer can afford the loan and how he pays his other financial obligations. There must be a financial pattern you have established and this can only be done if you either pay positively or negatively. At the end of the day, it is important to choose a personal loan that is suitable for your monthly budget. The customer should never be battling to pay the loan unless there we certain miscalculations made in the loan application process. We too, are here to ensure that there are no discrepancies identified.

When would you like to use the money?

If you don’t have much time and want to use the payday loan immediately, you can always give us a call and we will see to it that we help you if you meet our credit criteria. There are situations that make it difficult for waiting for money if you have to use the money right away. Wisdom Financial will never let you down. In essence, we are not a credit provider that wastes time.

Wisdom Financial Product Details

  • Loan Type Loans Bad Credit
  • Loan Amount up to £20,000
  • Decision 24 hours

Benefits of Wisdom Financial

  • Get a loan that is affordable
  • Minimum documentation
  • Interest rates are low

At Wisdom Financial we believe in second chances, apply for a bad credit loan today

If you would like to be approved sooner rather than later, ensure that you have all the documents that we need and that you submit everything on time.

Things become easier when the clients work with us to ensure a quicker and more effective short term loan approval.

Qualified agents at your services

We have employed the best of the best. The consultants that we have are people that will go above and beyond to ensure that you get a short-term loan that is suited for your credit profile. They also go step by step to ensure that you understand everything and you are happy with the terms that are offered to you. While we are not miracle workers, if you are not satisfied with the loan offer, we will try to give something that can put a better smile on your face. There wouldn’t be any sense in doing what we do if we didn’t have the customer’s best interests at heart.

Why was my loan application declined?

If your bad credit loan application was declined, it could be due to the fact that you can’t afford another loan. There is no reason to despair if this is the case, once you have paid up all your bad credit loans and you are still interested in our loan services, you are welcome to apply and we would be more than happy to assist.

Customer Reviews & Testimonials

The customer service and advice is really good, but they can take a while to pay out the funds.

Bryce B
— London —

Very reasonable terms, the costs are affordable and the rates are pretty low.

Reuben M
— Stratford —

Wisdom Financial Contact Details

Contact Number

  • not available



Physical Address

  • 120 High Rd East Finchley London England N2 9DH United Kingdom
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Opening Hours

  • not available