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
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Customers say: The overall sentiment across these reviews is overwhelmingly positive, reflecting strong customer satisfaction with the service experience. Customers consistently express gratitude and appreciation for the assistance they received, highlighting the helpfulness and knowledge demonstrated by representatives. A dominant theme throughout the feedback is exceptional customer service, with reviewers emphasizing qualities such as understanding, empathy, professionalism, and attention to detail. Many customers felt genuinely supported during challenging situations, particularly when navigating payment issues or account concerns. The willingness of staff to work collaboratively with customers to find solutions, such as comfortable repayment plans, stands out as a significant positive. Reviewers also appreciate clear communication and the provision of comprehensive information that addressed all their questions and concerns. The tone is warm and grateful, with customers feeling valued and well-cared-for throughout their interactions. The accessibility and directness of support, including representatives providing direct contact information, further enhanced the positive experience and reinforced customers' confidence in the service.
Excellent service
Wenika - Fort Worth, TX 76132
He was really nice customer service solved my issue.
Response from Wise Loan:
Wenika, 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, Essential Lending
Great Service
Jada - Pflugerville, TX 78660
Response from Wise Loan:
Jada, 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, Essential Lending
Excellent
Veronica - Katy, TX 77493
Response from Wise Loan:
Veronica, 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, Essential Lending
Excellent service
David McFarland - Lufkin, TX 75901
Great and very understandable
Response from Wise Loan:
David, 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, Essential Lending
Oh My Gosh, Great Service!
Donte - Houston, TX 77070
Sheena was by far the most helpful representative that I’ve gotten. All the information ahead provided and the fact that she gave me her direct extension really made me feel like she was there to help.
Response from Wise Loan:
Donte, 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, Essential Lending
Excellent
Gloria C - Katy, TX 77494
Olga knows her job well; consequently, she is able to assist clients and possesses excellent aptitude. Furthermore, she has an exceptional quality: she is a human being capable of understanding that, while a debtor is indeed a debtor, they are also a person in need of help and understanding.
Response from Wise Loan:
Gloria, 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, Essential Lending
Excellent service
Thomas - Tomball, TX 77375
Response from Wise Loan:
Thomas, 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, Essential Lending
Excellent Service
Robert - Pharr, TX 78577
Excellent costumer service !!!
Response from Wise Loan:
Robert, 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, Essential Lending
Excellent service
Michelle - Austin, TX 78726
Rey was very helpful.
Response from Wise Loan:
Michelle, 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, Essential Lending
Excellent Service!
Shante - Houston, TX 77070
Robby Glenn is extremely helpful and always provides great customer service.
Response from Wise Loan:
Shante, 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
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!
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 hello@wiseloan.com. Best regards, Wise Loan
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
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Rey T.
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ROBBY G.
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Santiago V.
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Olga S.
ROBBY G.
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