About Wise Loan
Wise Loan is a trusted direct lender committed to making your financial life better by providing real solutions for short-term money needs. Whether you're facing unexpected expenses or just need extra cash to bridge the gap, Wise Loan offers fast decisions and flexible installment loans to fit your situation. With our simple and secure online application, you can apply in minutes and, if approved, have funds deposited into your account as quickly as within the hour. We understand that life moves fast, and financial emergencies don’t wait. That's why we prioritize rapid approvals, same-day or next-day funding options, and clear repayment terms—so you can move forward with confidence, not confusion.
At Wise Loan, we believe that borrowing money should be simple, transparent, and supportive—not stressful. Our trained professionals go the extra mile to answer your questions, anticipate your needs, and provide personalized service beyond just offering a loan. As a direct lender specializing in installment loans, we also report positive payment histories to major credit bureaus, helping responsible borrowers rebuild and strengthen their credit profiles. We’re more than just a lender—we’re your partner in financial progress. Together, we are Wise Loan, and we’re here to help you create a smarter, stronger financial future.
Phone Numbers
Customer Care Line (800) 516-7840
Customer Care Fax (800) 564-1952
Email us at
hello@wiseloan.com
Customer Support Hours
Monday-Friday (Office) 9 a.m. – 6 p.m. CT
Saturday (Office) 7 a.m. – 4 p.m. CT
Sunday (Office) 9 a.m. – 5 p.m. CT
Online Availability 24/7
(existing customers login here)
Corporate Mailing Address
Essential Lending Inc.
P.O. Box 101265
Fort Worth, TX 76185
Review information regarding our licenses
Check out our FAQ page


Over 1,000 five-star reviews
I was very pleased that they were able to fund me money when I really needed it for the holidays. They made it easy and quick for me to do.
Jackie

The staff at Wise Loan is awesome! Olga is very professional with a very strong work ethic and is always willing to go the extra mile. Martha V
Martha V

It’s quick. There’s no hidden fees. No penalty for paying it off early. It’s easy to apply for online and get funding in no time! Jaymi M
Jaymi M

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