Online Installment Loans in Texas

Looking for a Texas installment loan that’s easy to qualify for? Wise Loan offers no-hassle installment loans in Texas for people with all types of credit. Find out more about your options below and apply now for added benefits such as access to instant funding.

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Get The Money You Need – When You Need It!

Our network of lenders will provide you with a top personal or installment loan to cover monthly expenses, accumulating debts, and more!

 

No matter where you are in Texas, Wise Loan can help you find the right installment loan for your needs. The cities we serve include:

Instant Loan Decision

Money in 24 Hours

Easy, Flexible Payment Terms

You can get installment loans online in Texas with funding within 24 hours or sooner if you qualify. Instant funding is an option for those that apply and are approved before 5:30 pm CT and who have a Visa or Mastercard debit card associated with their checking account. With instant funding, you can receive funds from the loan the same day the loan is approved. However, how fast you receive funds depends on your financial institution’s processes. Same-day funding may be possible if you apply before 11 am CT, and most other loans fund the next business day.    

You don’t need excellent credit to get a Wise Loan loan, but you do need valid contact information and a bank account where you can receive your funds. 

What you need for your application

Government-issued ID showing you reside in the state of Texas

A recent bank statement

A personal check or debit card associated with your account

Proof of income, such as a pay stub from your employer

How it Works

Getting an installment loan online is a simple, safe and secure three-step process.

Apply

Complete the quick online application for an installment loan in Texas. It takes less than a few minutes to complete  our application process, and you generally get a response within minutes.

If you’re approved for the loan, your response will include terms to review. You’ll see how much you can borrow, how long you have to pay it back, the interest rate you’ll pay to borrow the funds and payment plan options. In Texas, our loan amounts range between $200.00 and $1,500.00 for first time customers and up to $3,500.00 for returning customers.

Accept Offer

Until you accept the offer, you haven’t borrowed the money and aren’t under obligation to make any payments. Once you accept the offer, the funding of your loan is initiated. The type of funding you select or qualify for will determine when your loan will be deposited into your bank account.  While Wise Loan transfers funds the same day or next business day, it will depend on your bank policies as to when the funds become available.

Pay Back Your Loan

Online installment loans are typically broken into monthly, weekly or biweekly payments. Wise Loan makes it easy for you to set up automatic repayments and rewards positive payment history with cash-back rewards. 

Take Control of Your Installment Loan Payment Terms

You’re not trapped in a payment agreement you can’t keep when you work with Wise Loan. Flexible payment options let you choose terms that work with your budget. Texas borrowers can choose from terms with payment schedules that last up to 12 months.

Get Cash-Back Rewards

For every $1,000 you borrow and pay back on time and as agreed, you can get $10 to $50 deposited into your Nest Egg account with Wise Loan.

 

WHAT OUR CUSTOMERS HAVE TO SAY

Local Reviews for Texas


Reviews

Wise Loan Rated 4.9 out of 5 stars based on 781 customer reviews

Excellent service




Review of Wise Loan

Great company

Missouri CityTX77459 29.4775-95.53

Response from Wise Loan:

Peter, 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

Pleasant, helpful, good customer

KnollwoodTX75092 33.68-96.7275

Response from Wise Loan:

John, 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 service!




Review of Wise Loan

Robby is such a gem. I appreciate his help and he’s always kind and quick!

PonderTX76259 33.2125-97.32

Response from Wise Loan:

Krista, 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!!!




Review of Wise Loan

Fast and Easy! Excellent service!

LaredoTX78045 27.595-99.445

Response from Wise Loan:

Georgina, 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

HoustonTX77087 29.69-95.305

Response from Wise Loan:

Melissa, 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 People!




Review of Wise Loan

Super easy to work with and will let you skip a week payment if you fall behind.

TempleTX76502 31.1175-97.4175

Response from Wise Loan:

Heather, 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

Cedar HillTX75104 32.595-96.915

Response from Wise Loan:

Micheal, 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

HumbleTX77338 29.995-95.28

Response from Wise Loan:

Josephine, 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 didn’t take long answered all questions I had

San BenitoTX78586 26.12-97.61

Response from Wise Loan:

Inelda, 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


Loan payment




Review of Wise Loan

Very nice and helpful

BedfordTX76021 32.8475-97.13

Response from Wise Loan:

Rickie, 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


Okay




Review of Wise Loan

No the service is not great 😕.

HoustonTX77073 29.99-95.405

Response from Wise Loan:

Paternelda, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at [email protected]. Best regards, The Call Center


Excellent




Review of Wise Loan

N/a

LubbockTX79410 33.57-101.8975

Response from Wise Loan:

Brandy, 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


Excellence




Review of Wise Loan

Great experience easy approvals

FriendswoodTX77546 29.5375-95.195

Response from Wise Loan:

Elijah, 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

My situation was handled professionally and the agent took time out to hear what I had to say and that's a plus thank you Wise Loans!!😁

MesquiteTX75149 32.7575-96.61

Response from Wise Loan:

Lonnie, 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

HoustonTX77044 29.8975-95.165

Response from Wise Loan:

Tabitha, 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


Jude C.

Jude C.

Near Tyler, TX 75703
Jude C.

Jude C.

Near Missouri City, TX 77459
Olga S.

Olga S.

Near Pecan Creek Dr, Garland, TX 75044
ROBBY G.

ROBBY G.

Near Dallas, TX 75208
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Victoria Chase Ln, Houston, TX 77075
Jude C.

Jude C.

Near Dallas, TX 75236
ROBBY G.

ROBBY G.

Near Cypress, TX 77429
ROBBY G.

ROBBY G.

Near Arlington, TX 76014
ROBBY G.

ROBBY G.

Near Knollwood, TX 75092
ROBBY G.

ROBBY G.

Near Ponder, TX 76259
Olga S.

Olga S.

Near Eldridge Pkwy, Houston, TX 77077
Jude C.

Jude C.

Near Pleasanton, TX 78064
Jude C.

Jude C.

Near The Woodlands, TX 77375
Trent T.

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.

Near Katie Ln, El Paso, TX 79932
Trent T.

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.

Near W Joan Dr, Odessa, TX 79764
Trent T.

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.

Near Stearns Ave, Wichita Falls, TX 76308
Trent T.

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.

Near FM 1484 Rd, Conroe, TX 77303
Trent T.

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.

Near Marfa Rd, Laredo, TX 78045
Trent T.

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.

Near Bunk House Dr, Venus, TX 76084
ROBBY G.

ROBBY G.

Near Laredo, TX 78046
ROBBY G.

ROBBY G.

Near Oak Point, TX 75068
ROBBY G.

ROBBY G.

Near Plano, TX 75075
Jude C.

Jude C.

Near Azle, TX 76020
Olga S.

Olga S.

Near Vance Jackson Rd, San Antonio, TX 78230
Olga S.

Olga S.

Near Burton St, Manor, TX 78653

FAQs About Texas Installment Loans

What is an installment loan?

An installment loan is an agreement to borrow a set amount of money and pay back the balance over a specific term. These payments are made on a regular basis on a fixed amount, meaning the borrower’s payment is the same each time. Common examples of installment loans include student loans, mortgages, vehicle loans and personal loans.

Where can I get an installment loan online?

If you live in the state of Texas, you can apply for an installment loan online with Wise Loan.

How many installment loans can you have?

There’s no real limit for how many installment loans you can have. Many people have more than one. For example, if you have a personal loan, an auto loan and a mortgage, you have three installment loans. However, you can only have one installment loan through Wise Loan at a time.

Can installment loans be paid off early?

Yes, you can pay your Texas installment loan with Wise Loan off early. Doing so may even help you save money.

What happens if I don't repay my installment loan on time?

If you don’t pay your installment loan on time, you may end up paying a late fee. Your creditor may also report the late payment to the credit bureaus, which can negatively impact your score.

What Will My Loan Cost?

A Wise Loan installment loan is an expensive form of credit and should be used only when necessary for emergency or unexpected expenses. Annual Percentage Rates (APRs) will differ depending on several factors. Quicker payoffs will result in lower rates. For more information, see an example repayment schedule of a Wise Loan.

Get an Installment Loan Today

You can get a Wise Loan installment loan with funding within 24 hours or faster if you qualify.

Terms and Conditions for Texas

Always read the full terms and conditions and privacy policy before accepting a loan. 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.

 

OCCC Consumer Credit Notice

In Texas, Essential Lending, Inc. dba Wise Loan, is a registered Texas Credit Services Organization and a licensed Credit Access Bureau, operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined by the State of Texas – Office of the Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems: Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207 (800) 516-7840, [email protected], http://www.occc.state.tx.us.

 

Texas Regulatory Contact Information

Office of Consumer Credit Commissioner. 2601 North Lamar Boulevard, Austin, TX 78705-4207. Phone: (800) 516-7840. Email: [email protected]


An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.