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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 676 customer reviews

Map of Los Fresnos, TX 78566

Amazing!




Review of Wise Loan

I use this loan service very often, I get a special rate, very convenient, fast and amazing customer service staff.

Los FresnosTX78566 26.04-97.5275

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 [email protected]. Best regards, Wise Loan


Map of Dallas, TX 75206

Quick and efficient service




Review of Wise Loan

DallasTX75206 32.8225-96.775

Response from Wise Loan:

Bridgette, 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 Bryan, TX 77802

Easy process




Review of Wise Loan

Wait time wasn’t too bad. Got my issue resolved within 10 minutes.

BryanTX77802 30.6575-96.3175

Response from Wise Loan:

Brandon, 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 Plano, TX 75075

Great Service




Review of Wise Loan

Very helpful customer service Rep (Robby)

PlanoTX75075 33.02-96.7375

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 (800) 516-7840 or email [email protected]. Best regards, Wise Loan


Map of Laredo, TX 78045

OLGA SIERRA




Review of Wise Loan

EXCELLENT SERVICE HELP IN RESOLVE MANY THANKS

LaredoTX78045 27.5825-99.46

Response from Wise Loan:

Angelina, 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 Grand Prairie, TX 75050

Customer




Review of Wise Loan

Jude gave me an excellent customer service experience. He's always ready to work with me helping me set up my payment plans without inconvenience. He's highly professional, courteous, respectful and helpful. Thanks for all you do. I really appreciate you a bunch.

Grand PrairieTX75050 32.78-97.0175

Response from Wise Loan:

Francisca, 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 Rowlett, TX 75089

Excellent Service!




Review of Wise Loan

Great customer service. Very understanding.

RowlettTX75089 32.935-96.5275

Response from Wise Loan:

Rachel, 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 Pflugerville, TX 78660

Agent was very profesional




Review of Wise Loan

She was very helpful and profesional. It make the transaction so easy to comple

PflugervilleTX78660 30.4825-97.575

Response from Wise Loan:

Sandra, 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 Richmond, TX 77407

Great service




Review of Wise Loan

Nice and professional service. Thanks

RichmondTX77407 29.6775-95.72

Response from Wise Loan:

Stafford, 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 75219

Easy and fast customer service




Review of Wise Loan

Easy to reach a live person who quickly answered my question

DallasTX75219 32.8125-96.81

Response from Wise Loan:

Clay, 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

Very professional

HoustonTX77020 29.77-95.315

Response from Wise Loan:

Terencia, 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

HumbleTX77346 30-95.175

Response from Wise Loan:

Casey, 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

Cedar HillTX75104 32.595-96.9425

Response from Wise Loan:

Tamika, 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

Great company

Missouri CityTX77459 29.4775-95.53

Response from Wise Loan:

Peter, 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


Exceptional service!




Review of Wise Loan

Robby is such a gem. I appreciate his help and he’s always kind and quick!

PonderTX76259 33.2125-97.32

Response from Wise Loan:

Krista, 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

Fast and Easy! Excellent service!

LaredoTX78045 27.595-99.445

Response from Wise Loan:

Georgina, 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

HoustonTX77087 29.69-95.305

Response from Wise Loan:

Melissa, 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 People!




Review of Wise Loan

Super easy to work with and will let you skip a week payment if you fall behind.

TempleTX76502 31.1175-97.4175

Response from Wise Loan:

Heather, 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

Cedar HillTX75104 32.595-96.915

Response from Wise Loan:

Micheal, 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 job




Review of Wise Loan

HumbleTX77338 29.995-95.28

Response from Wise Loan:

Josephine, 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


ROBBY G.

ROBBY G.

Near El Paso, TX 79936
ROBBY G.

ROBBY G.

Near San Antonio, TX 78264
ROBBY G.

ROBBY G.

Near McKinney, TX 75071
Jude C.

Jude C.

Near Dallas, TX 75216
ROBBY G.

ROBBY G.

Near Houston, TX 77078
Jude C.

Jude C.

Near Dallas, TX 75206
Jude C.

Jude C.

Near Grand Prairie, TX 75052
Jude C.

Jude C.

Near Houston, TX 77053
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this informations regarding for my performance today?

Near W Westchester Pkwy, Grand Prairie, TX 75052
Trent T.

Trent T.

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Near Weyland Dr, North Richland Hills, TX 76180
Trent T.

Trent T.

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Near Los Olmos Dr, Los Fresnos, TX 78566
Trent T.

Trent T.

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Near N Chicago Ave, Lubbock, TX 79416
ROBBY G.

ROBBY G.

Near Converse, TX 78109
Olga S.

Olga S.

Near Hwy 105 W, Montgomery, TX 77356
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this informations regarding for my performance today?

Near Regency Cir, Fort Worth, TX 76137
Olga S.

Olga S.

Near Park Vista Blvd, Fort Worth, TX 76244
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Concho St, Houston, TX 77074
Mae  F.

Mae F.

Good Day, I am sending you a review request regarding my service today. Your feedback on my performance is really valuable and it will be sent to our higher management. If you have free time we'd like to hear about it. Thank you.

Near Equestrian Trail, Fort Worth, TX 76244
Olga S.

Olga S.

Near Pebble Vale Dr, Plano, TX 75075
Jude C.

Jude C.

Near Odessa, TX 79762
Jude C.

Jude C.

Near Houston, TX 77016
Olga S.

Olga S.

Near Condign Dr, Fort Worth, TX 76177
Olga S.

Olga S.

Near Chimney Rock Rd, Houston, TX 77053
Olga S.

Olga S.

Near Hickory Oak Dr, Spring, TX 77381
Olga S.

Olga S.

Near E Mistletoe Ave, Victoria, TX 77901
Trent T.

Trent T.

this is trent the one that helped you today would you mind fill out this informations regarding for my performance today?

Near Hollytree Dr, Tyler, TX 75703
Jude C.

Jude C.

Near Bryan, TX 77802
Trent T.

Trent T.

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Near Reeds Lake Rd, Temple, TX 76501
Jude C.

Jude C.

Near San Antonio, TX 78228
ROBBY G.

ROBBY G.

Near Houston, TX 77054