That's a bummer! There could be a number of reasons why your application was denied. Australia's responsible lending obligations hold us to pretty high standards when it comes to handing out credit. At Wisr, we do some pretty serious investigative work to determine whether or not a loan is suitable for you. If we believe taking out a loan will put you in a worse financial position, leaving you unable to meet your existing obligations, we can't in good conscience grant you a loan. If you want to learn more about Wisr's lending policy, check out our guide to Playing By Responsible Lending Rules .