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 reflect an overwhelmingly positive sentiment toward customer service representatives. Customers consistently praise the representatives for being kind, professional, helpful, and understanding of their specific needs and situations. Many reviews highlight how representatives went "above and beyond" to assist customers, particularly during hardship situations. The tone is predominantly warm and appreciative, with customers expressing gratitude for patient, knowledgeable staff who effectively resolved their issues. Representatives are frequently described as courteous and respectful, with several customers noting how their interactions helped reduce stress or anxiety. The reviews suggest that personal connection and empathy are highly valued aspects of the service experience, with customers feeling genuinely cared for during their interactions. Overall, the sentiment indicates strong satisfaction with the human element of customer service provided.
Superior service!
Cecilia - Buda, TX 78610
Olga is a “gem” for your company!! She really cares about addressing our needs!! She’s professional and courteous!
Excellent Customer Service
Net - Fort Worth, TX 76131
I had a hardship and he was able to do all he could to see what plan could help me. I rated the service a 3 star NOT the representative service. Because of the phone service is the pit! You can't get through then when you wait the phone hangs up on you after waiting 10 minutes or more. You select the call me back and never get a call back. The only way to get to someone is to select the option 8 past due amount. I never tried the email option but the chat option the AI will take you in circles asking you the same thing when you are wanting a live person:(
Response from Wise Loan:
Net, 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 hello@wiseloan.com. Best regards, Wise Loan
Good service
Allen - Highlands, TX 77562
Response from Wise Loan:
Allen, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service
Cesar - Houston, TX 77084
Thank you for your attention and service.
Response from Wise Loan:
Cesar, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service, very helpful
Rita - San Antonio, TX 78251
Very helpful and was able to ease my stress load.
Response from Wise Loan:
Rita, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent job 👍
Johnny - Dallas, TX 75233
The representative, Sheena, provided me with helpful, polite, and friendly professional service. She was very patient with me while I installed my account payment details.
Response from Wise Loan:
Johnny, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent work
Christina - McAllen, TX 78501
My representative treated me with respect and understood my situation and help me out. I am happy for the way that he was able to help me out. Excellent work.
Response from Wise Loan:
Christina, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service
Lonnie - Mesquite, TX 75149
This is a great company. I’ve had them for a while.
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 hello@wiseloan.com. Best regards, Wise Loan
Excellent customer service
Manuel - Dallas, TX 75240
Response from Wise Loan:
Manuel, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent service
RR - Corpus Christi, TX 78414
Response from Wise Loan:
Rajanikanth, 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 email hello@wiseloan.com. Best regards, Wise Loan
Excellent Service and Understanding
Candace - Pflugerville, TX 78660
Thank you so much for making this right . I really appreciate the proactive solutions for my account. Thanks for being friendly.
Response from Wise Loan:
Candance, 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 email hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Treggy - Pearland, TX 77584
Handled my issue with professionalism and urgency. Wonderful agent.
Response from Wise Loan:
Treggy, 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 email hello@wiseloan.com. Best regards, Wise Loan
Survey
Janet - Fort Worth, TX 76107
Response from Wise Loan:
Janet, 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 email hello@wiseloan.com. Best regards, Wise Loan
Very thorugh
Oscar - McKinney, TX 75069
Very knowledeble
Response from Wise Loan:
Oscar, 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 email hello@wiseloan.com. Best regards, Wise Loan
It's ok not great
Rebecca - San Antonio, TX 78211
I think you should due monthly payment not everything two week
Response from Wise Loan:
Rebecca, 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 hello@wiseloan.com. Best regards, The Call Center
Excellent Service
Joann - Lucas, TX 75002
The representative who assisted me was very knowledgeable and professional. She resolved my issue in an expeditious manner.
Response from Wise Loan:
Joann, 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
mialczr - Galveston, TX 77550
I had a issue & they help me through it no hassle.
Response from Wise Loan:
Mia, 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!
Sara - Leander, TX 78641
Sheena did a great job answering my concerns and giving me her direct line !
Response from Wise Loan:
Sara, 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!
Sara - Leander, TX 78641
Sheena was so sweet and answered quickly with my questions thank you! She's great!
Response from Wise Loan:
Sara, 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
Terrible every time I’ve called
Micha - Amarillo, TX 79109
Five thumbs down!
Response from Wise Loan:
Micha, 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
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