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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 579 customer reviews

Map of Katy, TX 77494

Excellent Service




Review of Wise Loan

KatyTX77494 29.7425-95.825

Response from Wise Loan:

Frankie, 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 77066

Excellent service




Review of Wise Loan

He took care of the reason for my call

HoustonTX77066 29.9625-95.51

Response from Wise Loan:

Kandace, 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 Waxahachie, TX 75165

Excellent job




Review of Wise Loan

Absolutely great to work with

WaxahachieTX75165 32.3775-96.77

Response from Wise Loan:

Joyce, 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 75074

Great A+++ customer service




Review of Wise Loan

Robby and all staff members are really easy and professional to work with and also very helpful

PlanoTX75074 33.025-96.675

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


Map of El Paso, TX 79936

Great




Review of Wise Loan

.

El PasoTX79936 31.76-106.2875

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 [email protected]. Best regards, Wise Loan


Map of Dallas, TX 75217

Excellent Service




Review of Wise Loan

DallasTX75217 32.71-96.675

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 [email protected]. Best regards, Wise Loan


Map of El Paso, TX 79925

Awesome service




Review of Wise Loan

Completely professional, fast and accurate. 👍

El PasoTX79925 31.795-106.3575

Response from Wise Loan:

Rose, 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 Mesquite, TX 75149

Excellent Service!




Review of Wise Loan

Robby was great and easy to talk with.

MesquiteTX75149 32.7575-96.61

Response from Wise Loan:

Nakia, 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 77044

Great Service




Review of Wise Loan

HoustonTX77044 29.8975-95.165

Response from Wise Loan:

Tabitha, 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 Humble, TX 77346

Great service!




Review of Wise Loan

Thanks! I appreciate your understanding 🙂

HumbleTX77346 30-95.175

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 service




Review of Wise Loan

Called asap and really resolved my issue.

MesquiteTX75150 32.825-96.6325

Response from Wise Loan:

Myles, 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


Very helpful




Review of Wise Loan

San AntonioTX78227 29.41-98.6325

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


Customer service




Review of Wise Loan

Great customer service really helped me out with my loan options

BryanTX77803 30.6825-96.375

Response from Wise Loan:

Tanishia,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 is always fast and seem less 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


Nice Representative




Review of Wise Loan

HoustonTX77049 29.84-95.1525

Response from Wise Loan:

Taconya, 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

Robby is the nicest bill collector I have ever had the pleasure of speaking to. He never talks down to me and is very efficient. He truly is understanding. You should have more people like him working for you.

BogataTX75417 33.445-95.1225

Response from Wise Loan:

Marsha, 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 to work with




Review of Wise Loan

BeaumontTX77703 30.1125-94.105

Response from Wise Loan:

Nicholas, 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

Round RockTX78665 30.5475-97.6225

Response from Wise Loan:

Carrza, 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

HoustonTX77091 29.8575-95.44

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 [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

Jude is always so nice, caring, and understanding when I speak with him. He knows life happens and communicating is key to understanding customer needs. The world needs more honest and hard working people like Jude!

HarlingenTX78550 26.2625-97.655

Response from Wise Loan:

Belinda, 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 Beaumont, TX 77703
Jude C.

Jude C.

Near Houston, TX 77077
ROBBY G.

ROBBY G.

Near Austin, TX 78727
Jude C.

Jude C.

Near Houston, TX 77066
Jude C.

Jude C.

Near Katy, TX 77449
Jude C.

Jude C.

Near McKinney, TX 75070
ROBBY G.

ROBBY G.

Near Plano, TX 75025
ROBBY G.

ROBBY G.

Near Houston, TX 77049
ROBBY G.

ROBBY G.

Near Katy, TX 77494
Jude C.

Jude C.

Near Victoria, TX 77901
Jude C.

Jude C.

Near Garland, TX 75044
ROBBY G.

ROBBY G.

Near Spring, TX 77373
ROBBY G.

ROBBY G.

Near Irving, TX 75039
ROBBY G.

ROBBY G.

Near Arlington, TX 76017
Jude C.

Jude C.

Near San Antonio, TX 78217
Jude C.

Jude C.

Near North Richland Hills, TX 76148
Jude C.

Jude C.

Near Houston, TX 77066
Jude C.

Jude C.

Near Waxahachie, TX 75165
ROBBY G.

ROBBY G.

Near Plano, TX 75074
Jude C.

Jude C.

Near El Paso, TX 79938
Jude C.

Jude C.

Near El Paso, TX 79938
Jude C.

Jude C.

Near Friendswood, TX 77546
Jude C.

Jude C.

Near El Paso, TX 79936
Jude C.

Jude C.

Near Austin, TX 78705
ROBBY G.

ROBBY G.

Near Cypress, TX 77429
Jude C.

Jude C.

Near Arlington, TX 76017
Jude C.

Jude C.

Near San Antonio, TX 78257
ROBBY G.

ROBBY G.

Near North Richland Hills, TX 76180
ROBBY G.

ROBBY G.

Near McKinney, TX 75072
ROBBY G.

ROBBY G.

Near Dallas, TX 75217