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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 checking 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
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Wise Loan Rated 4.8 out of 5 stars based on 596 customer reviews

Map of El Paso, TX 79932

Outstanding service.




Review of Wise Loan

Robbie Glenn is an exceptional employee. He has really been so helpful and understanding in so many levels. I truly appreciate his expertise and kindness,

El PasoTX79932 31.8925-106.6175

Response from Wise Loan:

Alejandro, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Dallas, TX 75230

Great service!




Review of Wise Loan

I got great assistance!!! They were very beneficial as well!!!

DallasTX75230 32.9-96.7875

Response from Wise Loan:

Seekta, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Katy, TX 77449

Excelente




Review of Wise Loan

KatyTX77449 29.825-95.75

Response from Wise Loan:

Edgar, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of San Antonio, TX 78266

Excellent




Review of Wise Loan

They were there when I needed them

San AntonioTX78266 29.655-98.32

Response from Wise Loan:

Kevin, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of DeSoto, TX 75115

Pleased




Review of Wise Loan

I don't mind earning your business.

DeSotoTX75115 32.5725-96.89

Response from Wise Loan:

Russell, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Grand Prairie, TX 75050

Great service




Review of Wise Loan

It was great

Grand PrairieTX75050 32.78-97.0175

Response from Wise Loan:

Dietra, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Katy, TX 77494

Excellent Service




Review of Wise Loan

Mr. Robby is amazing! He responds to my calls and very understanding.

KatyTX77494 29.7425-95.825

Response from Wise Loan:

Frankie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Texarkana, TX 75501

Excellent Service




Review of Wise Loan

Great Customer Service

TexarkanaTX75501 33.3925-94.13

Response from Wise Loan:

Sharmaine, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Forest Hill, TX 76119

Quick Service




Review of Wise Loan

Forest HillTX76119 32.6775-97.275

Response from Wise Loan:

Byan, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Texarkana, TX 75501

Great




Review of Wise Loan

Great customer service

TexarkanaTX75501 33.3925-94.13

Response from Wise Loan:

Sharmaine, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Will do business again




Review of Wise Loan

Robbie was great helping me out getting my loan paid! Quick response from customer service

FriscoTX75033 33.1575-96.8325

Response from Wise Loan:

Mohammad, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

He was kind, professional, knowledgeable and helpful.

Forest HillTX76119 32.6775-97.275

Response from Wise Loan:

Janice, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

Very helpful above and beyond

DallasTX75252 33-96.7975

Response from Wise Loan:

Carol, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Great Service




Review of Wise Loan

The WoodlandsTX77375 30.11-95.5825

Response from Wise Loan:

Jemarcus, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

ROBBY GLENN is awesome and deserves a raise. Due to my financial situation, he has gone far and beyond to solve my issue. Thank you for all you do. Another happy customer.

HoustonTX77066 29.9625-95.51

Response from Wise Loan:

Richard, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

HoustonTX77065 29.93-95.5975

Response from Wise Loan:

Shante, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Always there for you

CarrolltonTX75006 32.9675-96.8875

Response from Wise Loan:

Robert, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

KatyTX77494 29.7425-95.825

Response from Wise Loan:

Frankie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

He took care of the reason for my call

HoustonTX77066 29.9625-95.51

Response from Wise Loan:

Kandace, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Excellent job




Review of Wise Loan

Absolutely great to work with

WaxahachieTX75165 32.3775-96.77

Response from Wise Loan:

Joyce, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Somerset Dr, Rowlett, TX 75089
Olga S.

Olga S.

Near Preston Oaks Rd, Dallas, TX 75254
Jude C.

Jude C.

Near Katy, TX 77449
ROBBY G.

ROBBY G.

Near Bedford, TX 76022
ROBBY G.

ROBBY G.

Near Waxahachie, TX 75165
Olga S.

Olga S.

Near Shining Mist Ln, Richmond, TX 77469
ROBBY G.

ROBBY G.

Near El Paso, TX 79932
Jude C.

Jude C.

Near Houston, TX 77084
ROBBY G.

ROBBY G.

Near Houston, TX 77009
Olga S.

Olga S.

Near Mason Creek Dr, Katy, TX 77450
Jude C.

Jude C.

Near Killeen, TX 76549
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Acorn Circuit, Beaumont, TX 77703
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Meadowcreek Ct, Garland, TX 75043
Olga S.

Olga S.

Near Van Worth St, Mansfield, TX 76063
ROBBY G.

ROBBY G.

Near Dallas, TX 75230
Olga S.

Olga S.

Near Forest Frost, San Antonio, TX 78247
Olga S.

Olga S.

Near Corvette Ln, Houston, TX 77060
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near St Timothy St, Corpus Christi, TX 78418
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Bluegrass Pond, San Antonio, TX 78254
Olga S.

Olga S.

Near Old Bee Caves Rd, Austin, TX 78735
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Stanford St, Houston, TX 77019
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Brookmont Dr, Arlington, TX 76018
Olga S.

Olga S.

Near Stanford St, Houston, TX 77019
Jude C.

Jude C.

Near Katy, TX 77449
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near US-380, Aubrey, TX 76227
Jude C.

Jude C.

Near Irving, TX 75039
Olga S.

Olga S.

Near Arnett Ln, Houston, TX 77037
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Iron Horse Dr, Irving, TX 75063
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Wentwood Dr, DeSoto, TX 75115
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Sherbrooke Dr, Frisco, TX 75035