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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 789 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 El Paso, TX 79938

Excellent Customer Service




Review of Wise Loan

Great Customer Service Assistant

El PasoTX79938 31.84-105.9225

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


Map of College Station, TX 77840

Excellent service




Review of Wise Loan

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.

College StationTX77840 30.6175-96.3125

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


Map of El Paso, TX 79938

Excellent Service




Review of Wise Loan

Excellent Customer Service

El PasoTX79938 31.84-105.9225

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


Map of Houston, TX 77038

Excellent service




Review of Wise Loan

Great representative

HoustonTX77038 29.92-95.4475

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


Map of San Antonio, TX 78242

Excellent Serive




Review of Wise Loan

Thank you so much for all your help!

San AntonioTX78242 29.355-98.61

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


Map of Lancaster, TX 75134

Customer




Review of Wise Loan

Good/ professional service,takes to long to get an agent on the phone

LancasterTX75134 32.635-96.8025

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


Map of Weatherford, TX 76086

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


Map of El Paso, TX 79934

excellent service




Review of Wise Loan

Olga provided an excellent customer service and assisted me in every question i had, thank you!

El PasoTX79934 31.94-106.4225

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


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


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


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


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


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


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


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


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


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


Jude C.

Jude C.

Near Fort Worth, TX 76137
Jude C.

Jude C.

Near Houston, TX 77045
Rey T.

Rey T.

Near El Paso, TX 79938
Rey T.

Rey T.

Near El Paso, TX 79938
Sheena U.

Sheena U.

Near Dallas, TX 75217
Sheena U.

Sheena U.

Near Dallas, TX 75217
Olga S.

Olga S.

Near Alvarez Ln, Harlingen, TX 78552
Rey T.

Rey T.

Near College Station, TX 77840
Rey T.

Rey T.

Near College Station, TX 77840
Rey T.

Rey T.

Near El Paso, TX 79938
Rey T.

Rey T.

Near El Paso, TX 79938
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Fort Worth, TX 76112
Olga S.

Olga S.

Near 91st St, Lubbock, TX 79423
Jude C.

Jude C.

Near Missouri City, TX 77459
Olga S.

Olga S.

Near Houston, TX 77036
Jude C.

Jude C.

Near McKinney, TX 75071
Jude C.

Jude C.

Near Grand Prairie, TX 75052
ROBBY G.

ROBBY G.

Near Weatherford, TX 76088
ROBBY G.

ROBBY G.

Near Dallas, TX 75219
Jude C.

Jude C.

Near Irving, TX 75061
Jude C.

Jude C.

Near Dallas, TX 75211
Olga S.

Olga S.

Near Tribeca Ln, Plano, TX 75024
Olga S.

Olga S.

Near S Watters Rd, Allen, TX 75013
Olga S.

Olga S.

Near Margarita Ln, Laredo, TX 78046
Olga S.

Olga S.

Near Cedar Run Rd, Abilene, TX 79606
Jude C.

Jude C.

Near Longview, TX 75604
Sheena U.

Sheena U.

Near Houston, TX 77038
Sheena U.

Sheena U.

Near Houston, TX 77038
Sheena U.

Sheena U.

Near Arlington, TX 76001