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An innovative app to help manage informal lending

Are you a bank?

No we are not a bank.

Are you a payday lender?

No, we do not lend money. We provide tools to help facilitate transactions between family and friends. We will also seek to prohibit abusive practices and will limit the maximum interest rate that can be agreed between both parties.

What is Wisely?

Wisely is a new service which recognises the significance of borrowing & lending money between family & friends. Our service will make loans/arrangements easy, safe, confidential and keep the flexibility unique to such practices.

Are you a peer 2 peer platform?

No, we regard ourselves as a ‘C2C’ platform. We do not introduce borrowers and lenders, nor do we hold customer funds.

What is your c2c platform?

Our platform connects family and friends with each other to manage their financial arrangements in a safe, secure and user-friendly manner.

Is the platform confidential?

Absolutely and this is the primary objective of the platform. We recognise that this area is one which is very private to individuals so publicly sharing any information is not possible within the platform. Your agreements are kept private between you and the other party.

Is the platform secure?

Security is at the heart of the technology which ensures what you want to keep confidential, remains confidential.

Do I need to share payment or bank account details with you?

We are working hard to make sure that you do not have to share more than you have to and indeed some payment methods will require you to share no details with either us or the other party.

Will the service allow for groups of friends and family to pool their resources and lend to me?

This is certainly functionality we have in mind to develop. Stay in touch and send us an email with your thoughts on what you would like the service to do for you and we’ll keep you informed.

I already have a loan outstanding with a friend, can I use the service ?

Absolutely, we recognise that there are a number of people who will have existing loans that they wish to manage on the platform and that is something we are planning for go live.

Do you charge a fee?

We aim to charge a low and upfront fee for setting up the arrangement and administration costs. We do not take a ‘cut’ or percentage of any interest rates charged.

How much is Wisely going to cost?

The fee will be simple, low and affordable, providing complete transparency to both parties. We haven’t finalised the fees but if you sign up to stay updated we’ll keep you informed

I don't want to charge interest to my family member or friend?

This is one of the added benefits the app will bring. Both parties are able to set the interest rate, which can be 0%, at the outset of the agreement.

I don't want to force my friend or family member into an awkward position if they can't afford to repay.

This service is designed with ultimate flexibility in mind, so if you wish to allow more time, change the agreement terms or write off either all or a percentage then you will be able to do so.

My beliefs prevent me from charging or accepting interest.  Is this for me?

Absolutely, we expect a large number of transactions to be undertaken at 0% which we understand provides enormous value to those involved.

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