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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: [email protected]

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 510 customer reviews

Map of Richardson, TX 75081

Excellent service!




Review of Wise Loan

Robby very friendly and swift on his words to get the job done. To add Wise loans is a great company to borrow money from without any issues. Thanks Wise loans👍

RichardsonTX75081 32.955-96.695

Response from Wise Loan:

Tracy, thank you for sharing your experience. At Wise Loan, we strive to make our customers' financial life better and are so glad we were able to assist you without any issue. Please don't hesitate to reach out to [email protected] should you have any questions. Best regards. -Wise Loan


Map of San Antonio, TX 78249

Great easy and quick




Review of Wise Loan

San AntonioTX78249 29.5675-98.605

Response from Wise Loan:

Juan, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers with a great, easy and quick experience. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan


Map of Houston, TX 77049

Excellent Service




Review of Wise Loan

Robbi Glenn was great and very professional in helping me with what I needed. Every time I speak to him, he is very pleasant.

HoustonTX77049 29.84-95.1525

Response from Wise Loan:

Amanda, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions in the future. Best Regards. -Wise Loan


Map of Houston, TX 77012

Excellent




Review of Wise Loan

Jude is always helpful and veey understanding

HoustonTX77012 29.715-95.27

Response from Wise Loan:

Llanet, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] Best regards.-Wise Loan


Map of Cleburne, TX 76033

Excellent experience




Review of Wise Loan

Nice, professional. No attitude , as some loan places , make you feel, at their feet . Highly recommend them!

CleburneTX76033 32.2925-97.5025

Map of Carrollton, TX 75007

Great service




Review of Wise Loan

Great experience Jude was helpful friendly and took the time to explain things to me and I couldn't have asked for a better person to talk to

CarrolltonTX75007 33.0125-96.8875

Response from Wise Loan:

Adreena, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. - Wise Loan


Map of Katy, TX 77449

Best and ONLY place to go for loan help




Review of Wise Loan

Wise Loan is AWESOME! Only place to go for a loan! They are professional, courteous, and always willing to help! Mr.Jude and Mr. Robbie are there for you if you have an issue and need.to work out a payment plan! Don't even pause to think they are like the "other" places and their "solution" processes! Be and think WISE BE-4 any place else!

KatyTX77449 29.825-95.75

Response from Wise Loan:

Ruthie, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers and are so glad you had a professional and courteous experience with our team. Please don't hesitate to reach out if you have any questions at [email protected] Best regards. -Wise Loan


Map of Humble, TX 77396

Excellent Service




Review of Wise Loan

There was another number I called to process a payment and the rep took over 10 minutes. I called and spoke to Jude and he was very quick and great service

HumbleTX77396 29.95-95.2575

Response from Wise Loan:

Tammy, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile with our customers and are so glad you received quick and great service. Please don't hesitate to contact us at [email protected] if you have any questions. Best regards. -Wise Loan


Map of Elgin, TX 78621

Excellent Service!!




Review of Wise Loan

Very professional and explained everything so good!!

ElginTX78621 30.3425-97.3725

Response from Wise Loan:

Shkendra, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. We're so glad your experience was very professional and that everything went well. Please don't hesitate to contact us through [email protected] if you have any questions. Best regards. -Wise Loan


Map of Laredo, TX 78043

Great service




Review of Wise Loan

Fast and quick great customer service

LaredoTX78043 27.545-99.2575

Response from Wise Loan:

Jose, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to provide great customer service. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan


Excellent Service




Review of Wise Loan

He was very nice and patient. Very helpful. He definitely answered all my questions.

GarlandTX75040 32.9375-96.6325

Response from Wise Loan:

Nathan, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. We're so glad all your questions were answered. Please don't hesitate to reach out should you have any further questions at [email protected] Best regards. -Wise Loan


EXCELLENT CUSTOMER SERVICE




Review of Wise Loan

Excellent customer service

CarrolltonTX75006 32.9675-96.8875

Excellent Service!!




Review of Wise Loan

I can never say anything bad about Wise Loan/Essential Lending! BEST in the business! If you need a.loan including payday loans, don't go to any business, other than Wise FIRST! They WILL take care of you! If you have an issue with payment, they WILL work with you! No ugliness, threats, just help with your situation! Been there done that, and am telling you what I know. Mr. Jude and Mr. Robbie will be there for you! Trust me going forward if I am ever in need of funds for any reason, Wise IS my first choice, no other company! I am almost finished, and I can honestly say I will miss Mr. Robbie and Mr. Jude! This company is the BEST! Trust me .

KatyTX77449 29.825-95.75

Response from Wise Loan:

Ruthie, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers and are so glad we have been there for you. Please don't hestitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan


Excellent service




Review of Wise Loan

The representative, Robby was amazing, courteous, patient and friendly. He needs a raise!

HuttoTX78634 30.5625-97.5475

Response from Wise Loan:

Carrie, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan


Excellent Service




Review of Wise Loan

The ColonyTX75056 33.0775-96.91

Response from Wise Loan:

Brian, thank you for sharing your experience. At Wise Loan we strive to go the extra mile to support our customers. Please don't hesitate to reach out if you have any questions at [email protected] Best regards. -Wise Loan


Great Customer Service




Review of Wise Loan

Always great service.

EdinburgTX78539 26.2675-98.1875

Response from Wise Loan:

Christopher, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers, and we're so glad to always provide great customer service. Please don't hesitate to reach out to [email protected] should you have any questions. Best regards. -Wise Loan


Jude is Awesome!!




Review of Wise Loan

Jude is great but once I had to call repeatedly to get someone on the phone and that was awful.

KatyTX77494 29.7425-95.825

Response from Wise Loan:

Cerissa, thank you for sharing your experience. At Wise Loan we strive to go the extra mile to support our customers. Please don't hesitate to reach out if you have future questions at [email protected] Best regards. -Wise Loan


Loan repayment plan




Review of Wise Loan

Corpus ChristiTX78414 27.6475-97.3625

Response from Wise Loan:

Jason, thank you for sharing your experience. At Wise Loan we strive to go the extra mile to support our customers. Please don't hesitate to reach out if you require further assistance. Best regards. -Wise Loan


Excellent service!!




Review of Wise Loan

Jude is a rockstar!!!

ArlingtonTX76014 32.6925-97.0875

Response from Wise Loan:

Angela, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to support our customers. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan


Great job




Review of Wise Loan

Good by

DallasTX75216 32.7025-96.8025

Response from Wise Loan:

Bobby, thank you for sharing your experience. At Wise Loan we strive to go the extra mile and are so glad we were able to support you. If you have any future questions, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Jude C.

Jude C.

Near Irving, TX 75038
Jude C.

Jude C.

Near Garland, TX 75042
Jude C.

Jude C.

Near San Antonio, TX 78232
Jude C.

Jude C.

Near Carrollton, TX 75006
ROBBY G.

ROBBY G.

Near Richardson, TX 75081
Jude C.

Jude C.

Near San Antonio, TX 78249
Jude C.

Jude C.

Near San Antonio, TX 78253
ROBBY G.

ROBBY G.

Near Cedar Hill, TX 75104
ROBBY G.

ROBBY G.

Near Houston, TX 77049
Jude C.

Jude C.

Near Dallas, TX 75230
ROBBY G.

ROBBY G.

Near Dallas, TX 75208
Jude C.

Jude C.

Near Houston, TX 77012
ROBBY G.

ROBBY G.

Near Frisco, TX 75034
Jude C.

Jude C.

Near Garland, TX 75043
Jude C.

Jude C.

Near Longview, TX 75604
Jude C.

Jude C.

Near Donna, TX 78537
Jude C.

Jude C.

Near Arlington, TX 76012
Jude C.

Jude C.

Near Cleburne, TX 76033
ROBBY G.

ROBBY G.

Near Plano, TX 75023
ROBBY G.

ROBBY G.

Near Arlington, TX 76014
Jude C.

Jude C.

Near Odessa, TX 79763
ROBBY G.

ROBBY G.

Near League City, TX 77573
ROBBY G.

ROBBY G.

Near Dallas, TX 75231
ROBBY G.

ROBBY G.

Near Canyon, TX 79015
Jude C.

Jude C.

Near Carrollton, TX 75007
Jude C.

Jude C.

Near Duncanville, TX 75137
Jude C.

Jude C.

Near Sugar Land, TX 77479
Jude C.

Jude C.

Near Houston, TX 77043
Jude C.

Jude C.

Near Beaumont, TX 77703
Jude C.

Jude C.

Near Mansfield, TX 76063