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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Excellent
CHRISTIE - Bonham, TX 75418
Response from Wise Loan:
Christie, 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
extremely
NHA - Fort Worth, TX 76137
Response from Wise Loan:
NHA, 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
Exceptional
JOYCE - Fort Worth, TX 76137
Olga was exceptional! She answered my questions professionally and took care of me need
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
Excellent service
ACAME - Midlothian, TX 76065
Excellent service
Response from Wise Loan:
Acame, 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
MARTHA - San Antonio, TX 78251
Response from Wise Loan:
Martha, 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
Awesome!
SILVIA - Cypress, TX 77429
They have always been very helpful for him from my known. I enjoy talking to that, especially Ron. He's is very nice
Response from Wise Loan:
Silvia, 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
Excelente
EDGAR - Katy, TX 77449
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
Great Service
ELSA - Irving, TX 75062
Robby provides excellent customer service!
Response from Wise Loan:
Elsa, 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
ANDRE - Houston, TX 77009
Response from Wise Loan:
Andre, 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
KENTRICA - Irving, TX 75039
Jude is the best 5 Stars
Response from Wise Loan:
Kentrica, 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
Awesome service
NJ - Katy, TX 77493
Great service
Response from Wise Loan:
Joseph, 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
Ms
TIMEKA - McKinney, TX 75070
Great customer service
Response from Wise Loan:
Timeka, 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
JC - Houston, TX 77054
Agent was friendly, answered my questions & was able to take care of my reason for calling
Response from Wise Loan:
Jacqueline, 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 and kind service!!
M. Burns - Grand Prairie, TX 75051
Response from Wise Loan:
Maricela, 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
5 Stars
KENTRICA - Irving, TX 75039
Robbie is the best fast and efficient
Response from Wise Loan:
Kentrica, 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!!
ROSEMARY - San Antonio, TX 78213
Thank you for working with me!
Response from Wise Loan:
Rosemary, 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 work!
RICHARD - Carrollton, TX 75010
Robbie was great!!!
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
CHERYL - Cypress, TX 77433
Robby is completely understandable about your situation and goes above and beyond to try to work with you on handling the matter where you are satisfied.
Response from Wise Loan:
Cheryl, 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
MCARTHUR - Fort Worth, TX 76102
Robby was very helpful and detailed in assisting me with my pay off.
Response from Wise Loan:
Mcarthur, 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
Consistently Excellent Service
W. - Garland, TX 75043
I have been working with Jude for several months. He is extremely knowledgeable, personable, and professional. He takes time to ensure all my questions are answered completely and correctly. I’m truly impressed by his willingness to go above and beyond each time we speak.
Response from Wise Loan:
Yolande, 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
ROBBY G.
ROBBY G.
ROBBY G.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
Jude C.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
Olga S.
Olga S.
Olga S.
Olga S.
Jude C.
ROBBY G.
ROBBY G.
ROBBY G.
ROBBY G.
ROBBY G.
ROBBY G.
Jude C.
ROBBY G.
Trent T.
would you mind sending you a review request regarding my service today. Your feedback on my performance will be sent to our higher management. If you have any free time to complete it, I would be grateful.
ROBBY G.
Jude C.
Jude C.