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: [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
Local Reviews
for Houston,Fort Worth,Dallas,San Antonio,El Paso,Arlington,Austin,Katy,Amarillo,Garland,North Richland Hills,Round Rock,Spring,Grand Prairie,League City,Lubbock,Irving,Pflugerville,Sugar Land,Beaumont,Brownsville,Leander,Waco,Allen,Cedar Hill,Converse,Cypress,Humble,Mesquite,Texarkana,Corpus Christi,Ennis,Fresno,Killeen,Lancaster,Lewisville,McAllen,McKinney,Missouri City,Pasadena,Bryan,Carrollton,Cedar Park,Copperas Cove,DeSoto,Frisco,Harlingen,Lufkin,Mansfield,New Braunfels,Temple,Tyler,Waxahachie,Wichita Falls,Aubrey,Baytown,Euless,Glenn Heights,Granite Shoals,La Porte,Manvel,McGregor,Milano,Nevada,Pearland,Seagoville,Tomball,Bedford,Benbrook,Big Spring,Bogata,Burleson,Denton,Dickinson,Donna,Floresville,Ft Worth,Galveston,Hereford,Hillsboro,Horizon City,Hudson Oaks,Hutto,Keller,Kerrville,Laneville,Laredo,Liberty Hill,Los Fresnos,Manor,Midland,Midlothian,Murphy,Nacogdoches,Odessa,Paris,Plano,Prairie View,Quinlan,Richmond,Roanoke,San Angelo,San Benito,Seguin,Sweeny,Texas City,Weatherford,Weslaco,Abilene,Aledo,Alpine,Alvarado,Ames,Angleton,Atlanta,Avinger,Azle,Beeville,Blanco,Blue Ridge,Bonham,BROOKSIDE VL,Bruceville,Buda,Calvert,Canyon,Cedar Creek,Chireno,Christoval,Cleburne,Clodine,College Station,Commerce,Conroe,Cotulla,Crowley,Dalhart,Deer Park,Duncanville,Edinburg,Elgin,Elsa,ENCHANTED OAK,Fair Oaks Ranch,Fischer,Forest Hill,Fredericksburg,Friendswood,Gatesville,Georgetown,Granbury,Grapevine,Haltom City,Harker Heights,Helotes,Highlands,Hurst,Indianola,Iola,Jacksboro,Jacksonville,Jarrell,Joshua,Karnack,Kingsbury,Krum,La Vernia,Lamesa,Longview,Lucas,Luling,Mabank,Marshall,Mart,Maxwell,Montgomery,Mount Pleasant,New Caney,Newton,Olney,Overton,Paige,Pharr,Ponder,Port Isabel,Quanah,Rhome,Richardson,Richland Hills,Riviera,Rogers,Rosharon,Rowlett,Royse City,Saginaw,Salado,San Juan,Sanger,Santa Rosa,Seymour,Sinton,Somerville,Splendora,Stafford,Stockdale,Taft,Talco,Taylor,Terrell,The Colony,The Woodlands,Trophy Club,Troup,Universal City,Victoria,Von Ormy,Wolfe City,Woodway, TX
Outstanding service When working with my account
TERRY - North Richland Hills, TX 76182
Very cordial and understanding on making payments. They listen when you have a problem. Willing to work with you if you cannot make the payment ontime. This is the only loan company I have experienced this with. They treat me with respect.
Response from Wise Loan:
Terry, thank you for sharing your experience. At Wise Loan, we strive to make our customers' financial life better. Please don't hesitate to reach out to [email protected] if you have any questions. Best regards. -Wise Loan
Excellent service!
TRACY - Richardson, TX 75081
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👍
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
Great easy and quick
JUAN - San Antonio, TX 78249
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
Excellent Service
AMANDA - Houston, TX 77049
Robbi Glenn was great and very professional in helping me with what I needed. Every time I speak to him, he is very pleasant.
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
Excellent
LLANET - Houston, TX 77012
Jude is always helpful and veey understanding
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
Excellent experience
MARIA - Cleburne, TX 76033
Nice, professional. No attitude , as some loan places , make you feel, at their feet . Highly recommend them!
Great service
ARDEENA - Carrollton, TX 75007
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
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
Best and ONLY place to go for loan help
Ruthie - Katy, TX 77449
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!
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
Excellent Service
TAMMY - Humble, TX 77396
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
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
Excellent Service!!
SHKENDRA - Elgin, TX 78621
Very professional and explained everything so good!!
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
Great service
JOSE - Laredo, TX 78043
Fast and quick great customer service
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
NATHAN - Garland, TX 75040
He was very nice and patient. Very helpful. He definitely answered all my questions.
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
ROBERT - Carrollton, TX 75006
Excellent customer service
Excellent Service!!
RUTHIE - Katy, TX 77449
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 .
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
CARRIE - Hutto, TX 78634
The representative, Robby was amazing, courteous, patient and friendly. He needs a raise!
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
BRIAN - The Colony, TX 75056
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
CHRISTOPHER - Edinburg, TX 78539
Always great service.
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!!
CERISSA - Katy, TX 77494
Jude is great but once I had to call repeatedly to get someone on the phone and that was awful.
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
JASON - Corpus Christi, TX 78414
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!!
ANGELA - Arlington, TX 76014
Jude is a rockstar!!!
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
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