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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 810 customer reviews

Customers say: The reviews exhibit a positive overall sentiment, with recurring positive themes and sentiments. The majority of the reviews express satisfaction with the service, highlighting helpfulness, professionalism, and excellent customer service. Positive mentions include quick loan processing, friendly and accommodating representatives, and a willingness to assist with various needs. The company's commitment to providing top-notch service is consistently praised, with specific recognition of the efforts of individual representatives. Negative sentiments, if present, are not dominant trends and are often related to specific issues or misunderstandings. The overall tone is positive, with a focus on the positive aspects of the service provided.


Map of Leander, TX 78641

Great Service!




Review of Wise Loan

Sheena did a great job answering my concerns and giving me her direct line !

LeanderTX78641 30.54-97.9375

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


Map of Leander, TX 78641

Great service!




Review of Wise Loan

Sheena was so sweet and answered quickly with my questions thank you! She's great!

LeanderTX78641 30.54-97.9375

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


Map of Amarillo, TX 79109

Terrible every time I’ve called




Review of Wise Loan

Five thumbs down!

AmarilloTX79109 35.1625-101.9

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


Map of Arlington, TX 76015

great service & good prices




Review of Wise Loan

ArlingtonTX76015 32.69-97.13

Response from Wise Loan:

Arionna, 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 Lubbock, TX 79413

Excellent service




Review of Wise Loan

Lady Sheena Urgel she was extremely helpful polite her customer service was outstanding

LubbockTX79413 33.5525-101.8825

Response from Wise Loan:

Fernando, 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 Weatherford, TX 76086

Ecellent service




Review of Wise Loan

WeatherfordTX76086 32.7525-97.79

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


Map of Dallas, TX 75287

Excellent customer service




Review of Wise Loan

Willing to help with your needs

DallasTX75287 32.9975-96.84

Response from Wise Loan:

Andrew, 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 Dallas, TX 75251

Good service




Review of Wise Loan

DallasTX75251 32.92-96.7725

Response from Wise Loan:

Nykisha, 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 Harker Heights, TX 76548

Awesome




Review of Wise Loan

Great for a quick loans and if your credit is less than perfect they will help you

Harker HeightsTX76548 31.07-97.665

Response from Wise Loan:

Sherry, 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 North Richland Hills, TX 76117

Excellent Service




Review of Wise Loan

Very detailed, offered honest answers, first time I’ve talked to someone that felt human and helpful.

North Richland HillsTX76117 32.8125-97.275

Response from Wise Loan:

Eric, 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 customer experience




Review of Wise Loan

Thanks for all your help.

DallasTX75287 32.9975-96.84

Response from Wise Loan:

Andrew, 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


Thanks Jude!




Review of Wise Loan

HoustonTX77057 29.75-95.4925

Response from Wise Loan:

Chris, 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

CypressTX77433 29.965-95.75

Response from Wise Loan:

Renise, 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

Quick loans was quick and easy payment plan

DeSotoTX75115 32.6-96.8575

Response from Wise Loan:

Tarsha, 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




Review of Wise Loan

Very polite and patient.

HoustonTX77040 29.875-95.525

Response from Wise Loan:

Willa, 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

Jude assisted me in resolving my issue in an expeditious manner. He was very professional.

LucasTX75002 33.105-96.6425

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




Review of Wise Loan

He is AMAZING!!! Great customer service!!! Answered all my questions.

HoustonTX77073 29.99-95.405

Response from Wise Loan:

Brynisha, 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 job




Review of Wise Loan

McKinneyTX75070 33.16-96.68

Response from Wise Loan:

Deborah, 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

WeatherfordTX76086 32.7525-97.79

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


Excelente 👌




Review of Wise Loan

Gracias

HarlingenTX78552 26.215-97.7425

Response from Wise Loan:

Evelyn, 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


Sheena U.

Sheena U.

Near Arlington, TX 76015
Sheena U.

Sheena U.

Near Arlington, TX 76015
Rey T.

Rey T.

Near Houston, TX 77051
Rey T.

Rey T.

Near Houston, TX 77051
Sheena U.

Sheena U.

Near Leander, TX 78641
Sheena U.

Sheena U.

Near Leander, TX 78641
Sheena U.

Sheena U.

Near San Antonio, TX 78217
Sheena U.

Sheena U.

Near San Antonio, TX 78217
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Sheena U.

Near Fort Worth, TX 76107
Sheena U.

Sheena U.

Near Fort Worth, TX 76107
Sheena U.

Sheena U.

Near Fort Worth, TX 76112
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Sheena U.

Near Fort Worth, TX 76112
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Sheena U.

Near Grand Prairie, TX 75052
Sheena U.

Sheena U.

Near Grand Prairie, TX 75052
Sheena U.

Sheena U.

Near San Antonio, TX 78253
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Sheena U.

Near Amarillo, TX 79109
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Near Arlington, TX 76015
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Sheena U.

Near Arlington, TX 76015
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Sheena U.

Near The Woodlands, TX 77381
Rey T.

Rey T.

Near Plano, TX 75075
Rey T.

Rey T.

Near Plano, TX 75075
Rey T.

Rey T.

Near Mesquite, TX 75150
Rey T.

Rey T.

Near Mesquite, TX 75150
Sheena U.

Sheena U.

Near Lubbock, TX 79413
Sheena U.

Sheena U.

Near Lubbock, TX 79413
Rey T.

Rey T.

Near Arlington, TX 76018
Rey T.

Rey T.

Near Arlington, TX 76018
Sheena U.

Sheena U.

Near Houston, TX 77016
Sheena U.

Sheena U.

Near Houston, TX 77016
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Sheena U.

Near Dallas, TX 75208