Consumer Disclosure Forms
The following links contain disclosures as required by the Office of the Consumer Credit Commissioner (OCCC) for all residents applying for an Installment Loan. These disclosures outline all the estimated costs associated with Installment Loans of the following amounts:
- $500 Installment Loan – 5 Monthly Installments (Opens in PDF)
- $500 Installment Loan – 10 Biweekly Installments (Opens in PDF)
- $800 Installment Loan – 5 Monthly Installments (Opens in PDF)
- $800 Installment Loan – 10 Biweekly Installments (Opens in PDF)
- $1000 Installment Loan – 5 Monthly Installments (Opens in PDF)
- $1000 Installment Loan – 10 Biweekly Installments (Opens in PDF)
- Fee Schedule
Loan Terms and Conditions Texas
Welcome, Texas Customer!
Repayment Terms : 2 – 11 Bi-weekly payments
APR (based on credit) : 299.96% – 799.00%
Common Loans in Texas
Loan Amount |
$500 | $800 | $1,000 |
Number of Bi-Weekly Payments |
10 | 10 | 10 |
Amount Per Payment |
$133.74 | $239.56 | $267.77 |
APR |
564.24% | 654.15% | 565.07% |
Total Loan Repayment |
$1,337.40 | $2,395.60 | $2,677.73 |
Terms and Conditions for Texas
You can view our Terms & Conditions for Texas and Privacy Policy for more information.
OCCC Consumer Credit Notice
In Texas, Essential Lending Inc. is a registered Texas Credit Services Organization and a licensed Credit Access Business operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov.
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.
Regulatory Contact Information
Texas Office of Consumer Credit Commissioner
2601 N. Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610
Certificates
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
Customers say: The reviews exhibit a positive sentiment, with a majority of customers expressing satisfaction with the service provided by Wise Loans. Positive reviews frequently mention helpful and friendly customer service representatives, with specific praise for their professionalism, knowledge, and kindness. Customers also appreciate the ease of the application process and the quick turnaround time for loan approval and funding. Additionally, customers highlight the competitive interest rates and the overall positive experience with Wise Loans. Negative reviews are present but are less frequent and tend to focus on minor issues such as difficulty understanding certain aspects of the process or experiencing delays in communication. However, the overall tone of the reviews remains positive, with a clear majority expressing satisfaction with the services provided by Wise Loans.
Excellent Customer Service
Evangeline - El Paso, TX 79938
Great Customer Service Assistant
Response from Wise Loan:
Evangeline, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Temika - College Station, TX 77840
After my initial call got disconnected I spoke to Rey Tan when my second call was transferred. He was very helpful. He answered all of my questions and explained so I understood. I really appreciate his help today.
Response from Wise Loan:
Temika, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service
Evangeline - El Paso, TX 79938
Excellent Customer Service
Response from Wise Loan:
Evangeline, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Glenda - Houston, TX 77038
Great representative
Response from Wise Loan:
Glenda, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Serive
Danie - San Antonio, TX 78242
Thank you so much for all your help!
Response from Wise Loan:
Danielle, 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 hello@wiseloan.com. Best regards, Wise Loan
Customer
Loretta - Lancaster, TX 75134
Good/ professional service,takes to long to get an agent on the phone
Response from Wise Loan:
Loretta, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Loma - Weatherford, TX 76086
Response from Wise Loan:
Loma, 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 hello@wiseloan.com. Best regards, Wise Loan
excellent service
Noelia - El Paso, TX 79934
Olga provided an excellent customer service and assisted me in every question i had, thank you!
Response from Wise Loan:
Noelia, 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 hello@wiseloan.com. Best regards, Wise Loan
Bad
Karla - Houston, TX 77040
Response from Wise Loan:
Karla, 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 hello@wiseloan.com. Best regards, The Call Center
Great Service!
DV - College Station, TX 77845
Response from Wise Loan:
Dulce, 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 hello@wiseloan.com. Best regards, Wise Loan
Solid explanation and professional communiction
Erik - Cypress, TX 77433
Robbie was very helpful and communicated well with me
Response from Wise Loan:
Erik, 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 hello@wiseloan.com. Best regards, Wise Loan
Excelente servicio
Yoander - Corpus Christi, TX 78415
Gracias por su servicio estoy muy agradecido sigan ayudando así a las personas
Response from Wise Loan:
Yolanda, 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 hello@wiseloan.com. Best regards, Wise Loan
Great service
Angilique - San Antonio, TX 78221
Amazing customer service!!!
Response from Wise Loan:
Angilique, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service from Sheena
ZB - San Antonio, TX 78220
Shenna was professional, knowledgeable and kind . I highly recommend using Wise loans as their customer service is first class .
Response from Wise Loan:
Zina, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service
Benjamin - San Antonio, TX 78220
Great service and very prompt and professional . I highly recommend.
Response from Wise Loan:
Zina, 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 hello@wiseloan.com. Best regards, Wise Loan
Great Service
Angela - Roanoke, TX 76262
Jude was extremely helpful
Response from Wise Loan:
Angela, 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 hello@wiseloan.com. Best regards, Wise Loan
Amazing service
Cecilia - Waco, TX 76708
Response from Wise Loan:
Cecilia, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent
Tiwanna - Arlington, TX 76013
Response from Wise Loan:
Tiwanna, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Luis - Katy, TX 77449
Muy satisfecho
Response from Wise Loan:
Luis, 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 hello@wiseloan.com. Best regards, Wise Loan
Really kind and helpful
Elizabeth - Wichita Falls, TX 76308
Appreciate his reassurance and kind way of speaking. Please give him a raise.
Response from Wise Loan:
Elizabeth, 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 hello@wiseloan.com. Best regards, Wise Loan
Jude C.
Jude C.
Rey T.
Rey T.
Sheena U.
Sheena U.
Olga S.
Rey T.
Rey T.
Rey T.
Rey T.
Jude C.
Jude C.
Olga S.
Jude C.
Olga S.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
Jude C.
Jude C.
Olga S.
Olga S.
Olga S.
Olga S.
Jude C.
Sheena U.
Sheena U.