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.

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:

Dallas, Texas

Houston, Texas

San Antonio, Texas

Austin, Texas

Fort Worth, Texas

El Paso, Texas

Lubbock, Texas

Corpus Christi, Texas

Victoria, Texas

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 $2,000.00 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 4.8 out of 5 stars based on 582 customer reviews

Excellent service!




Review of Wise Loan

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👍

RichardsonTX75081 32.955-96.695

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




Review of Wise Loan

San AntonioTX78249 29.5675-98.605

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




Review of Wise Loan

Robbi Glenn was great and very professional in helping me with what I needed. Every time I speak to him, he is very pleasant.

HoustonTX77049 29.84-95.1525

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




Review of Wise Loan

Jude is always helpful and veey understanding

HoustonTX77012 29.715-95.27

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 service!




Review of Wise Loan

Thanks for all you’ve done for me Wise Loans! Robby was also great!

EvermanTX76140 32.6325-97.275

Response from Wise Loan:

Quianna, 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




Review of Wise Loan

Nice, professional. No attitude , as some loan places , make you feel, at their feet . Highly recommend them!

CleburneTX76033 32.2925-97.5025

Great service




Review of Wise Loan

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

CarrolltonTX75007 33.0125-96.8875

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


Excellent service




Review of Wise Loan

Jude is Very polite and knowledgeable, explains everything very well!! Give him a raise!

CoppellTX75019 32.9625-96.995

Response from Wise Loan:

Pamela, 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 received excellent service. Please don't hesitate to contact us at [email protected] if you have any questions. Best regards. -Wise Loan


Best and ONLY place to go for loan help




Review of Wise Loan

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!

KatyTX77449 29.825-95.75

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




Review of Wise Loan

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

HumbleTX77396 29.95-95.2575

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


Collections




Review of Wise Loan

Very helpful and empathetic. Made me feel comforted and assured that our business was handled correctly. Great guy.

RockdaleTX76567 30.66-97.05

Response from Wise Loan:

Chris, 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 helpful and empathetic. Please don't hesitate to reach out to [email protected] should you have any questions. Best regards. -Wise Loan


Excellent Service!!




Review of Wise Loan

Very professional and explained everything so good!!

ElginTX78621 30.3425-97.3725

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




Review of Wise Loan

Fast and quick great customer service

LaredoTX78043 27.545-99.2575

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




Review of Wise Loan

He was very nice and patient. Very helpful. He definitely answered all my questions.

GarlandTX75040 32.9375-96.6325

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




Review of Wise Loan

Excellent customer service

CarrolltonTX75006 32.9675-96.8875

Jude C.

Jude C.

Near Irving, TX 75038
Jude C.

Jude C.

Near White Settlement, TX 76108
Jude C.

Jude C.

Near Heath, TX 75126
Jude C.

Jude C.

Near Garland, TX 75042
Jude C.

Jude C.

Near San Antonio, TX 78232
Jude C.

Jude C.

Near Carrollton, TX 75006
ROBBY G.

ROBBY G.

Near Richardson, TX 75081
Jude C.

Jude C.

Near San Antonio, TX 78249
Jude C.

Jude C.

Near San Antonio, TX 78253
ROBBY G.

ROBBY G.

Near Cedar Hill, TX 75104
ROBBY G.

ROBBY G.

Near Magnolia, TX 77354
ROBBY G.

ROBBY G.

Near Houston, TX 77049
Jude C.

Jude C.

Near Dallas, TX 75230
ROBBY G.

ROBBY G.

Near Dallas, TX 75208
Jude C.

Jude C.

Near Houston, TX 77012
ROBBY G.

ROBBY G.

Near Winona, TX 75792
ROBBY G.

ROBBY G.

Near Frisco, TX 75034
Jude C.

Jude C.

Near Garland, TX 75043
Jude C.

Jude C.

Near Collinsville, TX 76233
Jude C.

Jude C.

Near Longview, TX 75604
Jude C.

Jude C.

Near Donna, TX 78537
Jude C.

Jude C.

Near Cameron, TX 76520
Jude C.

Jude C.

Near Arlington, TX 76012
ROBBY G.

ROBBY G.

Near Everman, TX 76140
Jude C.

Jude C.

Near Cleburne, TX 76033

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.