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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 626 customer reviews

Map of Houston, TX 77042

Great service




Review of Wise Loan

HoustonTX77042 29.725-95.5575

Response from Wise Loan:

Cleo, 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 [email protected]. Best regards, Wise Loan


Map of Katy, TX 77449

Muy bien servicio




Review of Wise Loan

KatyTX77449 29.825-95.75

Response from Wise Loan:

Edgar, 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 [email protected]. Best regards, Wise Loan


Map of Donna, TX 78537

Excellent service!




Review of Wise Loan

DonnaTX78537 26.2475-98.0725

Response from Wise Loan:

Juan, 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 [email protected]. Best regards, Wise Loan


Map of San Antonio, TX 78251

Excellent service




Review of Wise Loan

Awesome experience, would definitely recommend

San AntonioTX78251 29.465-98.6775

Response from Wise Loan:

Adriana, 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 [email protected]. Best regards, Wise Loan


Map of Weatherford, TX 76088

Excellent Service!




Review of Wise Loan

Excellent Customer Service. Olga was extremely helpful and courteous.

WeatherfordTX76088 32.81-97.8375

Response from Wise Loan:

Teresa, 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 [email protected]. Best regards, Wise Loan


Map of Houston, TX 77072

Excelente 👌




Review of Wise Loan

EXCELLEN

HoustonTX77072 29.6975-95.5975

Response from Wise Loan:

Alexander, 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 [email protected]. Best regards, Wise Loan


Map of McKinney, TX 75070

Excellent service




Review of Wise Loan

Customer service was very polite, efficient and very helpful.

McKinneyTX75070 33.16-96.68

Response from Wise Loan:

Barbara, 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 [email protected]. Best regards, Wise Loan


Map of Garland, TX 75043

Always professional




Review of Wise Loan

Professional, courteous, and friendly service!

GarlandTX75043 32.85-96.59

Response from Wise Loan:

Yolande, 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 [email protected]. Best regards, Wise Loan


Map of Dallas, TX 75287

Excellent Service




Review of Wise Loan

DallasTX75287 32.9975-96.84

Response from Wise Loan:

Kristie, 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 [email protected]. Best regards, Wise Loan


Map of Laredo, TX 78045

Awesome service




Review of Wise Loan

Quick and easy.

LaredoTX78045 27.8175-99.6775

Response from Wise Loan:

Patricia, 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 [email protected]. Best regards, Wise Loan


Great seevice




Review of Wise Loan

KilleenTX76543 31.1475-97.6775

Response from Wise Loan:

Roslyn, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

AlvaradoTX76009 32.4-97.2

Response from Wise Loan:

James, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Corpus ChristiTX78404 27.77-97.415

Response from Wise Loan:

Vito, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Jude has the best customer service ever!! 5 Stars

IrvingTX75039 32.8925-96.9475

Response from Wise Loan:

Kentrica, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

What a great customer service experience feels like THANKS

DallasTX75248 32.9825-96.7925

Response from Wise Loan:

Todd, 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 [email protected]. Best regards, Wise Loan


Excellent




Review of Wise Loan

San AntonioTX78232 29.5925-98.48

Response from Wise Loan:

Jose, 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 [email protected]. Best regards, Wise Loan


Great Service




Review of Wise Loan

Fast and efficient...he was a great help in making my payoff amount payment today

GarlandTX75040 32.9375-96.6325

Response from Wise Loan:

Britania, 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 [email protected]. Best regards, Wise Loan


Más o menos




Review of Wise Loan

Not b

HoustonTX77072 29.6975-95.5975

Response from Wise Loan:

Alexander, 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 [email protected]. Best regards, The Call Center


Excellent




Review of Wise Loan

Robbie Glen was very professional and he worked with me. Excellent job. Thanks Robbie

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 [email protected]. Best regards, Wise Loan


Great Customer Service




Review of Wise Loan

Always excellent service and courtesy

DallasTX75227 32.7825-96.685

Response from Wise Loan:

Minnie, 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 [email protected]. Best regards, Wise Loan


Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Park Blvd, Grapevine, TX 76051
ROBBY G.

ROBBY G.

Near Houston, TX 77084
ROBBY G.

ROBBY G.

Near Houston, TX 77042
Jude C.

Jude C.

Near Katy, TX 77493
ROBBY G.

ROBBY G.

Near Grand Prairie, TX 75051
Jude C.

Jude C.

Near Katy, TX 77449
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Elsie Faye Heggins St, Dallas, TX 75215
Jude C.

Jude C.

Near Fort Worth, TX 76111
ROBBY G.

ROBBY G.

Near Lubbock, TX 79424
ROBBY G.

ROBBY G.

Near Grand Prairie, TX 75051
Olga S.

Olga S.

Near Lariat St, El Paso, TX 79915
Olga S.

Olga S.

Near Cora St, Arlington, TX 76011
Olga S.

Olga S.

Near Hebron Pkwy, Lewisville, TX 75057
Olga S.

Olga S.

Near Powder Horn Rd, Georgetown, TX 78633
Olga S.

Olga S.

Near Oak Rd, Pearland, TX 77584
ROBBY G.

ROBBY G.

Near Fort Worth, TX 76177
Olga S.

Olga S.

Near Chayton Cir, Pflugerville, TX 78660
Olga S.

Olga S.

Near Nueces Cir W, Donna, TX 78537
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Dark Forest Dr, McKinney, TX 75070
ROBBY G.

ROBBY G.

Near Houston, TX 77090
ROBBY G.

ROBBY G.

Near Houston, TX 77098
ROBBY G.

ROBBY G.

Near Dallas, TX 75219
Jude C.

Jude C.

Near San Antonio, TX 78250
Olga S.

Olga S.

Near W Campbell Rd, Garland, TX 75044
Olga S.

Olga S.

Near Mill Height Dr, Arlington, TX 76014
Olga S.

Olga S.

Near Glenvalley Dr, La Porte, TX 77571
Jude C.

Jude C.

Near Missouri City, TX 77459
Jude C.

Jude C.

Near Austin, TX 78758
Jude C.

Jude C.

Near Dallas, TX 75238
Jude C.

Jude C.

Near Houston, TX 77066