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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:

Loan Terms and Conditions Texas

Welcome, Texas Customer!

Loan Amount : $200 – $3,500

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

 

Texas CAB License

Texas CSO License

 

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 781 customer reviews

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.


Map of Houston, TX 77040

Bad




Review of Wise Loan

HoustonTX77040 29.875-95.525

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


Map of College Station, TX 77845

Great Service!




Review of Wise Loan

College StationTX77845 30.5375-96.3025

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


Map of Cypress, TX 77433

Solid explanation and professional communiction




Review of Wise Loan

Robbie was very helpful and communicated well with me

CypressTX77433 29.965-95.75

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


Map of Corpus Christi, TX 78415

Excelente servicio




Review of Wise Loan

Gracias por su servicio estoy muy agradecido sigan ayudando así a las personas

Corpus ChristiTX78415 27.6525-97.5025

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


Map of San Antonio, TX 78221

Great service




Review of Wise Loan

Amazing customer service!!!

San AntonioTX78221 29.2975-98.495

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


Map of San Antonio, TX 78220

Excellent Service from Sheena




Review of Wise Loan

Shenna was professional, knowledgeable and kind . I highly recommend using Wise loans as their customer service is first class .

San AntonioTX78220 29.415-98.39

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


Map of San Antonio, TX 78220

Excellent Service




Review of Wise Loan

Great service and very prompt and professional . I highly recommend.

San AntonioTX78220 29.415-98.39

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


Map of Roanoke, TX 76262

Great Service




Review of Wise Loan

Jude was extremely helpful

RoanokeTX76262 33.005-97.225

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


Map of Waco, TX 76708

Amazing service




Review of Wise Loan

WacoTX76708 31.6175-97.2125

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


Map of Arlington, TX 76013

Excellent




Review of Wise Loan

ArlingtonTX76013 32.7225-97.1525

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




Review of Wise Loan

Muy satisfecho

KatyTX77449 29.855-95.7025

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




Review of Wise Loan

Appreciate his reassurance and kind way of speaking. Please give him a raise.

Wichita FallsTX76308 33.85-98.545

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


Excellent work




Review of Wise Loan

Answered questions

DallasTX75287 32.9975-96.84

Response from Wise Loan:

Alexandra, 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


Payment extension




Review of Wise Loan

My request for a payment extension was approved to accommodate my changing employment situation, which has caused a two-week income gap.

Fort WorthTX76109 32.6975-97.3775

Response from Wise Loan:

Douglas, 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




Review of Wise Loan

Jude patient and real ! Thank you

HoustonTX77065 29.93-95.5975

Response from Wise Loan:

Beatrice, 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


Very helpful!




Review of Wise Loan

McKinneyTX75072 33.185-96.7

Response from Wise Loan:

Giovanni, 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 services




Review of Wise Loan

Excellent customer services best company Loan ever if you are approved you receive your money the same business day I really recommend this loan company

San AntonioTX78258 29.645-98.4725

Response from Wise Loan:

Erika, 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




Review of Wise Loan

No comment

LongviewTX75605 32.5625-94.7075

Response from Wise Loan:

Stevie, 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




Review of Wise Loan

Jude and the other representatives have always been extremely friendly and helpful

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 hello@wiseloan.com. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Always helpful whenever I call

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 hello@wiseloan.com. Best regards, Wise Loan


ROBBY G.

ROBBY G.

Near League City, TX 77573
Rey T.

Rey T.

Near Cedar Hill, TX 75104
Rey T.

Rey T.

Near Cedar Hill, TX 75104
Sheena U.

Sheena U.

Near Splendora, TX 77372
Sheena U.

Sheena U.

Near Splendora, TX 77372
Sheena U.

Sheena U.

Near Missouri City, TX 77459
Sheena U.

Sheena U.

Near Missouri City, TX 77459
Sheena U.

Sheena U.

Near Weatherford, TX 76088
Sheena U.

Sheena U.

Near Weatherford, TX 76088
Sheena U.

Sheena U.

Near Dallas, TX 75287
Sheena U.

Sheena U.

Near Dallas, TX 75287
Jude C.

Jude C.

Near Houston, TX 77040
Jude C.

Jude C.

Near El Paso, TX 79915
Rey T.

Rey T.

Near Fort Worth, TX 76108
Rey T.

Rey T.

Near Fort Worth, TX 76108
Sheena U.

Sheena U.

Near Round Rock, TX 78664
Sheena U.

Sheena U.

Near Round Rock, TX 78664
Jude C.

Jude C.

Near Houston, TX 77031
Jude C.

Jude C.

Near Dallas, TX 75287
Jude C.

Jude C.

Near Houston, TX 77084
Jude C.

Jude C.

Near Laredo, TX 78040
Jude C.

Jude C.

Near San Antonio, TX 78226
Jude C.

Jude C.

Near Austin, TX 78750
Olga S.

Olga S.

Near Greenhouse Rd, Katy, TX 77449
Olga S.

Olga S.

Near Wilson Rd, Harlingen, TX 78552
Olga S.

Olga S.

Near Kitty Hawk Dr, Missouri City, TX 77489
Olga S.

Olga S.

Near Accent Dr, Dallas, TX 75287
Olga S.

Olga S.

Near Dana Bree Dr, El Paso, TX 79936
Rey T.

Rey T.

Near Houston, TX 77060
Rey T.

Rey T.

Near Houston, TX 77060