Loans for Bad Credit in Texas
Dealing with bad credit or no credit at all can make life tough. It’s harder to apply for and receive a loan, purchase a house, or even rent a car. Sometimes, your future relies on making on-time payments to reduce your debt. In such a case, a personal loan can make a world of difference. Here at Wise Loan, we offer bad credit loans in Texas to help!
Texas Bad Credit Loans
When most people have bad credit scores or no credit history, it only makes sense for online lenders, like Wise Loan, to design a solution. A bad credit loan could be the answer you need – a loan solution to help tackle life’s greatest financial challenges.
What Are Personal Loans for Bad Credit?
A bad credit loan is a type of personal loan. It’s a lump sum of cash you receive upon approval of your application. You then make monthly payments, or installments, to repay the full amount. If you are faced with an emergency, a bad credit loan might be the right option for you. These loans tend to have a lower interest rate than credit cards or payday loans. They are geared towards those with bad credit.
How do Loans for Bad Credit Work?
Once you are approved for a bad credit loan, you receive the money in your bank account shortly thereafter. The money is yours to use as you see fit – debt consolidation, student loans, etc. – but you must make on-time payments each month.
It’s easier than ever to apply now for a bad credit loan with Wise Loan. Give us a call at 800-516-7840 and we can assist you with the application process. Take a moment to read through our terms and conditions below.
How Much Can You Borrow?
In the state of Texas, Wise loan offers loan amounts between $200 – $3500. You don’t necessarily need to have good credit to be approved for a Wise Loan! Loan amounts and approvals are determined by several factors including your credit and loan repayment history.
Flexible Payment Terms
With a Wise Loan installment loan, you get to pick the number of payments needed to pay off the loan. Texas residents can choose from flexible schedules with terms up to twelve months. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.
Cash Back Rewards
By paying your Wise Loan in Texas in a timely fashion, you can earn cash back rewards! For every $1000 borrowed and paid back on time, you could have $10 – $50 deposited into your Nest Egg rewards account.
Terms And Conditions For Texas
Essential Lending, Inc. DBA Wise Loan, is not the lender in Texas, and we cannot guarantee that your application will result in a funded loan. Essential Lending Inc. is a credit services organization (CSO)/credit access business (CAB). We help you to obtain a loan from a lender at a simple interest rate of 10% per annum. For this service, we will charge a CSO fee. The amount of the fee that you will be charged is based on the amount of loan you receive from a lender and the number of payments you choose for repayment. You are not required to pay the fee upfront, or in one lump sum. Each repayment amount will include a portion of the CSO fee, and you can save money by paying off your loan early. If any payment you make to Essential Lending or to the lender is returned for any reason, you will owe a returned item fee of $30. Please review the full terms and conditions and privacy policy for more information. Rates are calculated using the simple interest method. The APR shown on your loan documents will include the total of the lender interest and the CSO fee and may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.
Local Reviews
for Houston,Fort Worth,Dallas,San Antonio,El Paso,Arlington,Austin,Katy,Amarillo,Garland,North Richland Hills,Round Rock,Spring,Grand Prairie,League City,Lubbock,Irving,Pflugerville,Sugar Land,Beaumont,Brownsville,Leander,Waco,Allen,Cedar Hill,Converse,Cypress,Humble,Mesquite,Texarkana,Corpus Christi,Ennis,Fresno,Killeen,Lancaster,Lewisville,McAllen,McKinney,Missouri City,Pasadena,Bryan,Carrollton,Cedar Park,Copperas Cove,DeSoto,Frisco,Harlingen,Lufkin,Mansfield,New Braunfels,Temple,Tyler,Waxahachie,Wichita Falls,Aubrey,Baytown,Euless,Glenn Heights,Granite Shoals,La Porte,Manvel,McGregor,Milano,Nevada,Pearland,Seagoville,Tomball,Bedford,Benbrook,Big Spring,Bogata,Burleson,Denton,Dickinson,Donna,Floresville,Ft Worth,Galveston,Hereford,Hillsboro,Horizon City,Hudson Oaks,Hutto,Keller,Kerrville,Laneville,Laredo,Liberty Hill,Los Fresnos,Manor,Midland,Midlothian,Murphy,Nacogdoches,Odessa,Paris,Plano,Prairie View,Quinlan,Richmond,Roanoke,San Angelo,San Benito,Seguin,Sweeny,Texas City,Weatherford,Weslaco,Abilene,Aledo,Alpine,Alvarado,Ames,Angleton,Atlanta,Avinger,Azle,Beeville,Blanco,Blue Ridge,Bonham,BROOKSIDE VL,Bruceville,Buda,Calvert,Canyon,Cedar Creek,Chireno,Christoval,Cleburne,Clodine,College Station,Commerce,Conroe,Cotulla,Crowley,Dalhart,Deer Park,Duncanville,Edinburg,Elgin,Elsa,ENCHANTED OAK,Fair Oaks Ranch,Fischer,Forest Hill,Fredericksburg,Friendswood,Gatesville,Georgetown,Granbury,Grapevine,Haltom City,Harker Heights,Helotes,Highlands,Hurst,Indianola,Iola,Jacksboro,Jacksonville,Jarrell,Joshua,Karnack,Kingsbury,Krum,La Vernia,Lamesa,Longview,Lucas,Luling,Mabank,Marshall,Mart,Maxwell,Montgomery,Mount Pleasant,New Caney,Newton,Olney,Overton,Paige,Pharr,Ponder,Port Isabel,Quanah,Rhome,Richardson,Richland Hills,Riviera,Rogers,Rosharon,Rowlett,Royse City,Saginaw,Salado,San Juan,Sanger,Santa Rosa,Seymour,Sinton,Somerville,Splendora,Stafford,Stockdale,Taft,Talco,Taylor,Terrell,The Colony,The Woodlands,Trophy Club,Troup,Universal City,Victoria,Von Ormy,Wolfe City,Woodway, TX
Excellent service!
TRACY - Richardson, TX 75081
Robby very friendly and swift on his words to get the job done. To add Wise loans is a great company to borrow money from without any issues. Thanks Wise loans👍
Response from Wise Loan:
Tracy, thank you for sharing your experience. At Wise Loan, we strive to make our customers' financial life better and are so glad we were able to assist you without any issue. Please don't hesitate to reach out to [email protected] should you have any questions. Best regards. -Wise Loan
Great easy and quick
JUAN - San Antonio, TX 78249
Response from Wise Loan:
Juan, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers with a great, easy and quick experience. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan
Excellent Service
AMANDA - Houston, TX 77049
Robbi Glenn was great and very professional in helping me with what I needed. Every time I speak to him, he is very pleasant.
Response from Wise Loan:
Amanda, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions in the future. Best Regards. -Wise Loan
Excellent
LLANET - Houston, TX 77012
Jude is always helpful and veey understanding
Response from Wise Loan:
Llanet, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] Best regards.-Wise Loan
Excellent experience
MARIA - Cleburne, TX 76033
Nice, professional. No attitude , as some loan places , make you feel, at their feet . Highly recommend them!
Great service
ARDEENA - Carrollton, TX 75007
Great experience Jude was helpful friendly and took the time to explain things to me and I couldn't have asked for a better person to talk to
Response from Wise Loan:
Adreena, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. - Wise Loan
Best and ONLY place to go for loan help
Ruthie - Katy, TX 77449
Wise Loan is AWESOME! Only place to go for a loan! They are professional, courteous, and always willing to help! Mr.Jude and Mr. Robbie are there for you if you have an issue and need.to work out a payment plan! Don't even pause to think they are like the "other" places and their "solution" processes! Be and think WISE BE-4 any place else!
Response from Wise Loan:
Ruthie, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers and are so glad you had a professional and courteous experience with our team. Please don't hesitate to reach out if you have any questions at [email protected] Best regards. -Wise Loan
Excellent Service
TAMMY - Humble, TX 77396
There was another number I called to process a payment and the rep took over 10 minutes. I called and spoke to Jude and he was very quick and great service
Response from Wise Loan:
Tammy, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile with our customers and are so glad you received quick and great service. Please don't hesitate to contact us at [email protected] if you have any questions. Best regards. -Wise Loan
Excellent Service!!
SHKENDRA - Elgin, TX 78621
Very professional and explained everything so good!!
Response from Wise Loan:
Shkendra, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. We're so glad your experience was very professional and that everything went well. Please don't hesitate to contact us through [email protected] if you have any questions. Best regards. -Wise Loan
Great service
JOSE - Laredo, TX 78043
Fast and quick great customer service
Response from Wise Loan:
Jose, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to provide great customer service. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan
Excellent Service
NATHAN - Garland, TX 75040
He was very nice and patient. Very helpful. He definitely answered all my questions.
Response from Wise Loan:
Nathan, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. We're so glad all your questions were answered. Please don't hesitate to reach out should you have any further questions at [email protected] Best regards. -Wise Loan
EXCELLENT CUSTOMER SERVICE
ROBERT - Carrollton, TX 75006
Excellent customer service
Excellent Service!!
RUTHIE - Katy, TX 77449
I can never say anything bad about Wise Loan/Essential Lending! BEST in the business! If you need a.loan including payday loans, don't go to any business, other than Wise FIRST! They WILL take care of you! If you have an issue with payment, they WILL work with you! No ugliness, threats, just help with your situation! Been there done that, and am telling you what I know. Mr. Jude and Mr. Robbie will be there for you! Trust me going forward if I am ever in need of funds for any reason, Wise IS my first choice, no other company! I am almost finished, and I can honestly say I will miss Mr. Robbie and Mr. Jude! This company is the BEST! Trust me .
Response from Wise Loan:
Ruthie, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers and are so glad we have been there for you. Please don't hestitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan
Excellent service
CARRIE - Hutto, TX 78634
The representative, Robby was amazing, courteous, patient and friendly. He needs a raise!
Response from Wise Loan:
Carrie, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan
Excellent Service
BRIAN - The Colony, TX 75056
Response from Wise Loan:
Brian, thank you for sharing your experience. At Wise Loan we strive to go the extra mile to support our customers. Please don't hesitate to reach out if you have any questions at [email protected] Best regards. -Wise Loan
Great Customer Service
CHRISTOPHER - Edinburg, TX 78539
Always great service.
Response from Wise Loan:
Christopher, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers, and we're so glad to always provide great customer service. Please don't hesitate to reach out to [email protected] should you have any questions. Best regards. -Wise Loan
Jude is Awesome!!
CERISSA - Katy, TX 77494
Jude is great but once I had to call repeatedly to get someone on the phone and that was awful.
Response from Wise Loan:
Cerissa, thank you for sharing your experience. At Wise Loan we strive to go the extra mile to support our customers. Please don't hesitate to reach out if you have future questions at [email protected] Best regards. -Wise Loan
Loan repayment plan
JASON - Corpus Christi, TX 78414
Response from Wise Loan:
Jason, thank you for sharing your experience. At Wise Loan we strive to go the extra mile to support our customers. Please don't hesitate to reach out if you require further assistance. Best regards. -Wise Loan
Excellent service!!
ANGELA - Arlington, TX 76014
Jude is a rockstar!!!
Response from Wise Loan:
Angela, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan
Great job
BOBBY - Dallas, TX 75216
Good by
Response from Wise Loan:
Bobby, thank you for sharing your experience. At Wise Loan we strive to go the extra mile and are so glad we were able to support you. If you have any future questions, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
ROBBY G.
Jude C.
Jude C.
Jude C.
Jude C.
ROBBY G.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
Jude C.
ROBBY G.
Jude C.
ROBBY G.
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
Jude C.
ROBBY G.
ROBBY G.
ROBBY G.
Jude C.
Jude C.
Jude C.
Jude C.