Split your purchase into manageable payments over time. Submit an application to review available terms and options.
Estimate Your Monthly Payment
Estimated Monthly Payment:
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*Estimates only. Subject to credit approval. Calculated using a fixed 15.99% APR.
Options Available To You
Get your necessities without using a credit card.
When you finance with FinWise Bank, you gain a simple alternative to credit cards and other lines of credit. Explore your different payment options at competitive rates below.
Simple and Fast
How to Pay Over Time with Convenient Monthly Payments
The application will be processed within minutes.3
Then if approved, you’ll pay over time with convenient monthly payments.
Receive Welcome Letter
Setup bill pay: online or ACH payments
Enjoy your purchase!
Ready to change your credit game?
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About Us
FinWise is rethinking what banking means.
You know the stereotypes about banks: too slow, too traditional, too closed-minded. We know them, too, and that’s why we’re working to change them.
FinWise is the bank that’s stepping forward to advance the future of financial technology. We support fintech brands that share our vision for equity, innovation, and inclusion at every level of financial decision-making. From one person’s online purchase to thousands of small business loans that support our economy, we’re generating non-traditional solutions that give greater financial access to those who need it most.
Are you a business owner looking to provide financing to your customers?
DISCLOSURES
*Payment Calculator Disclosure: This calculator provides estimated payment amounts for illustrative purposes only and does not constitute a loan offer, approval, or guarantee of credit. Actual loan terms, including interest rate and payment amount, are subject to credit approval, underwriting, verification of information, and other conditions.
Personal installment loans are available with repayment terms ranging from 12 to 60 months. The illustrative interest rate of 15.99% APR is an estimate; your actual APR may be higher or lower based on creditworthiness and other factors. Additional terms, conditions, and fees may apply.
Loans provided by FinWise Bank on approved credit for a limited time. Minimum loan amounts apply.
1 Installment Loans: Loans provided by FinWise Bank, Member FDIC, (756 E Winchester St, Suite 100, Murray, UT 84107) on approved credit for a limited time. 9.99% to 15.99% fixed APR, effective as of April 1, 2026, subject to change. Actual terms depend on creditworthiness. Repayment terms vary from 12 to 60 months depending on loan amount. No down payment required. The first monthly payment is due 30 days after the loan closes and on the same day of each month thereafter. Example: A $5,000 loan with a 15.99% APR and a 60-month term would have an estimated monthly payment of $121.56 and a total of payments of $7,293.60.
2 0% Interest: Loans are made by FinWise Bank, Member FDIC, 756 E Winchester St, Suite 100, Murray, UT 84107, on approved credit. 0% interest repayment terms range from 6–24 months. Effective April 1, 2026, borrowers will pay no interest during the 0% period if the full loan amount is repaid on or before the 0% interest end date stated in the loan documents. After the 0% period, a fixed APR applies for the remainder of the loan amount and term. Rates may change. Example: A $5,000 loan with 12 months at 0% interest has an estimated monthly payment of $83.33 for the first 12 months. Afterward, a 27.99% APR applied over 48 months results in an estimated monthly payment of $139.39.
3 If application is auto-decisioned, applications in pending status may take up to 24 hours, or until the end of the next business day, to be finalized.
FAQs
What can I finance with a loan?
Above ground Hot Tubs.
How much can I finance with a loan?
$1,500 to $25,000 (Any amount above $25,000 can be decisioned on a case-by-case basis)
What information do I need to provide in order to apply?
- Name
- Social
- Address
- Date of Birth
- Phone number
- Income
I’m approved, now what?
- Schedule delivery (or project).
- Provide stipulations.
- Complete DocuSign.
- Do a celebration dance!
When is my first payment?
Your first payment will be 30 days from confirmation of delivery or completion of project. A welcome letter will be sent via mail with details on how to setup your payments.
What if I have difficulty paying my loan?
FinWise offers a 10-day grace period. If you are facing financial difficulty that will continue beyond the grace period, please contact our service department for recommendations.
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