Nope! This is where the trusty Rate Estimate tool comes in handy. We just need a few details to generate your personalised rate estimate and loan repayment options ( for a 3-year, 5-year or 7-year term ) . At Wisr, we don't assess applications – we assess people. We know everyone's needs and wants are different, so we take our time to put together the best possible option for you during the application process, but getting a rate estimate is a great first step in the process. There's a chance your rate estimate might be different to the one you receive upon approval. But don't worry – we'll keep you in the loop during the process.