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Loan Terms and Conditions Texas Details

  • General

    These Terms and Conditions govern each credit application you submit to Essential Lending, Inc. (ELI) and each loan that you may obtain from ELI. Loans made to Texas residents are made by a third-party lender. The terms and conditions of any loan that you may obtain with our assistance are set forth in your loan agreement with the lender. ELI offers installment loans that are designed to help you with your immediate cash needs. ELI encourages you to borrow only what you need and what you are able to responsibly repay.

  • Privacy Policy and Changes to Privacy Policy

    ELI will handle your non-public personal information as described in our  Privacy Policy. We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy, we will notify you by providing you with the revised policy within the time frame required by applicable law.

  • Governing Law

    The transactions related to your credit application and any loan that you may obtain from ELI shall be governed by the laws of the State of Texas, regardless of where you may be viewing or accessing the ELI website.

  • Application Certification and Verification

    You certify that the information supplied by you on this website in or as part of your credit application is true, complete and correct. You authorize ELI, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request.
    You authorize ELI and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that ELI reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow ELI to verify any information that you provide.

  • Fair Credit Report Act Disclosure

    We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your loan may be reflected in your credit report.

  • Collection and Use of Bank Account and Other Information about You

    As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.

  • Contact and Marketing Preferences

    Your consent is voluntary, but we cannot process an application or make a loan to you if you do not consent to receive disclosures and notices concerning your account electronically, and while you can opt out of electronic marketing contact messages, you cannot opt out of disclosures and notices concerning your account.
    Your consent to receive electronic communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with your account your application for an Essential Lending product or service, and any loan product or service we agree to provide you.
    ELI may contact you by several contact methods, including but not limited to, writing to you via U.S. postal service and/or electronic mail and calling you via telephone at any address or number you provide to us. We may also contact you via text messaging or other mobile communication method, if you request or agree to this type of communication. We may use any one or all of these methods to contact you about the status or approval of your loan, inform you about special promotions, savings and services we believe may be of interest to you, to remind you of upcoming payments, and to communicate with you regarding collections and other issues related to your loan. If you have authorized ELI to do so, ELI may contact you using a predictive dialer or other automated telephone dialing device, or by pre-recorded message, during reasonable hours at any of the phone numbers which you provide to us.
    You may manage your contact information and preferences by calling us at (800) 516-7840, emailing us at hello@wiseloan.com or changing your contact preferences on the ELI website.

  • Accuracy of Account Information

    We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please contact let us know. We will investigate your concerns and correct any information we determine to be inaccurate.
    You may change your information on your application or otherwise update your account information online by logging into to your account at www.wiseloan.com.

  • Additional Security Methods

    You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information. Do not share your login information with others. If you use this website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

  • Automatic Logging of Session Data

    ELI automatically logs generic information about your computer’s connection to the Internet, which is called “session data”. Session data consists of things such as IP address, operating system and type of browser software being used and the activities conducted by the user while on our site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor’s Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We may also use some session data, such as the pages you visited on our site, to send you e-mail unless you had previously opted out of receiving such messages.

  • Cookies and Online Advertising

    “Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. There are many myths circulating about cookies, but you should know that cookies are only read by the server that placed them, and are unable to do such things as run programs on your computer, plant viruses or harvest your personal information. The use of cookies is very common on the Internet and www.wiseloan.com’s use of cookies is similar to that of such sites as Expedia and Travelocity, as well as Google, CNN.com and other reputable online companies.

     

    First and foremost, you can rest assured that no personal information about you is gathered or stored in the cookies placed by the www.wiseloan.com and www.essentialending.com websites and, as a result, none can be passed on to any third parties.

    Cookies allow us to serve you better and more efficiently, and to personalize your experience at our site.

     

    A cookie may also be placed by our advertising server. Such cookies are used only for purposes of tracking the effectiveness of advertising served by us on our site and no personal information about you is gathered from you by the use of these cookies, nor is this information shared with any third parties. Similarly, a cookie may be placed by our third-party advertising companies. These companies may use aggregated statistics about your visits to this and other web sites in order to provide advertisements about travel-related goods and services that you may be interested in. The information they collect does not include your personal information.

     

    The third-party advertising companies may also employ technology that is used to measure the effectiveness of ads. Any such information is anonymous. They may use this anonymous information about your visits to this and other sites in order to provide advertisements about goods and services of potential interest to you. No personal information about you is collected during this process. The information is anonymous and does not link online actions to an identifiable person.

     

    Most web browsers automatically accept cookies. Of course, by changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. Essential Lending, Inc. supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking www.ozarkmvr.com cookies may disable certain features on our site and may make it impossible to purchase or use certain services available on the site. Please note that it is possible to block cookie activity from certain web sites while permitting cookies from sites you trust, like www.wiseloan.com.

     

     

  • Essential Lending Contact Information

    If you have any questions about the practices of the WiseLoan or Essential Lending websites, please contact us using the information found at www.wiseloan.com/contact-us.

     

    You understand that ELI will retain your credit application and the information you provide on this website in or as part of your credit application, whether or not we approve you for a loan.

    *following loan approval

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 788 customer reviews

Customers say: The reviews exhibit a positive sentiment, with a majority of customers expressing satisfaction with the service provided by Wise Loans. Positive reviews frequently mention helpful and friendly customer service representatives, with specific praise for their professionalism, knowledge, and kindness. Customers also appreciate the ease of the application process and the quick turnaround time for loan approval and funding. Additionally, customers highlight the competitive interest rates and the overall positive experience with Wise Loans. Negative reviews are present but are less frequent and tend to focus on minor issues such as difficulty understanding certain aspects of the process or experiencing delays in communication. However, the overall tone of the reviews remains positive, with a clear majority expressing satisfaction with the services provided by Wise Loans.


Map of College Station, TX 77840

Excellent service




Review of Wise Loan

After my initial call got disconnected I spoke to Rey Tan when my second call was transferred. He was very helpful. He answered all of my questions and explained so I understood. I really appreciate his help today.

College StationTX77840 30.6175-96.3125

Response from Wise Loan:

Temika, 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 hello@wiseloan.com. Best regards, Wise Loan


Map of El Paso, TX 79938

Excellent Service




Review of Wise Loan

Excellent Customer Service

El PasoTX79938 31.84-105.9225

Response from Wise Loan:

Evangeline, 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 hello@wiseloan.com. Best regards, Wise Loan


Map of Houston, TX 77038

Excellent service




Review of Wise Loan

Great representative

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 hello@wiseloan.com. Best regards, Wise Loan


Map of San Antonio, TX 78242

Excellent Serive




Review of Wise Loan

Thank you so much for all your help!

San AntonioTX78242 29.355-98.61

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 hello@wiseloan.com. Best regards, Wise Loan


Map of Lancaster, TX 75134

Customer




Review of Wise Loan

Good/ professional service,takes to long to get an agent on the phone

LancasterTX75134 32.635-96.8025

Response from Wise Loan:

Loretta, 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 hello@wiseloan.com. Best regards, Wise Loan


Map of Weatherford, TX 76086

Excellent service




Review of Wise Loan

WeatherfordTX76086 32.7525-97.79

Response from Wise Loan:

Loma, 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 hello@wiseloan.com. Best regards, Wise Loan


Map of El Paso, TX 79934

excellent service




Review of Wise Loan

Olga provided an excellent customer service and assisted me in every question i had, thank you!

El PasoTX79934 31.94-106.4225

Response from Wise Loan:

Noelia, 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 hello@wiseloan.com. Best regards, Wise Loan


Map of Houston, TX 77040

Bad




Review of Wise Loan

HoustonTX77040 29.875-95.525

Response from Wise Loan:

Karla, 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 hello@wiseloan.com. Best regards, The Call Center


Map of College Station, TX 77845

Great Service!




Review of Wise Loan

College StationTX77845 30.5375-96.3025

Response from Wise Loan:

Dulce, 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 hello@wiseloan.com. Best regards, Wise Loan


Map of Cypress, TX 77433

Solid explanation and professional communiction




Review of Wise Loan

Robbie was very helpful and communicated well with me

CypressTX77433 29.965-95.75

Response from Wise Loan:

Erik, 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 hello@wiseloan.com. Best regards, Wise Loan


Excelente servicio




Review of Wise Loan

Gracias por su servicio estoy muy agradecido sigan ayudando así a las personas

Corpus ChristiTX78415 27.6525-97.5025

Response from Wise Loan:

Yolanda, 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 hello@wiseloan.com. Best regards, Wise Loan


Great service




Review of Wise Loan

Amazing customer service!!!

San AntonioTX78221 29.2975-98.495

Response from Wise Loan:

Angilique, 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 hello@wiseloan.com. Best regards, Wise Loan


Excellent Service from Sheena




Review of Wise Loan

Shenna was professional, knowledgeable and kind . I highly recommend using Wise loans as their customer service is first class .

San AntonioTX78220 29.415-98.39

Response from Wise Loan:

Zina, 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 hello@wiseloan.com. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Great service and very prompt and professional . I highly recommend.

San AntonioTX78220 29.415-98.39

Response from Wise Loan:

Zina, 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 hello@wiseloan.com. Best regards, Wise Loan


Great Service




Review of Wise Loan

Jude was extremely helpful

RoanokeTX76262 33.005-97.225

Response from Wise Loan:

Angela, 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 hello@wiseloan.com. Best regards, Wise Loan


Amazing service




Review of Wise Loan

WacoTX76708 31.6175-97.2125

Response from Wise Loan:

Cecilia, 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 hello@wiseloan.com. Best regards, Wise Loan


Excellent




Review of Wise Loan

ArlingtonTX76013 32.7225-97.1525

Response from Wise Loan:

Tiwanna, 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 hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Muy satisfecho

KatyTX77449 29.855-95.7025

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 hello@wiseloan.com. Best regards, Wise Loan


Really kind and helpful




Review of Wise Loan

Appreciate his reassurance and kind way of speaking. Please give him a raise.

Wichita FallsTX76308 33.85-98.545

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 hello@wiseloan.com. Best regards, Wise Loan


Excellent work




Review of Wise Loan

Answered questions

DallasTX75287 32.9975-96.84

Response from Wise Loan:

Alexandra, 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 hello@wiseloan.com. Best regards, Wise Loan


Rey T.

Rey T.

Near College Station, TX 77840
Rey T.

Rey T.

Near College Station, TX 77840
Rey T.

Rey T.

Near El Paso, TX 79938
Rey T.

Rey T.

Near El Paso, TX 79938
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Fort Worth, TX 76112
Olga S.

Olga S.

Near 91st St, Lubbock, TX 79423
Jude C.

Jude C.

Near Missouri City, TX 77459
Olga S.

Olga S.

Near Houston, TX 77036
Jude C.

Jude C.

Near McKinney, TX 75071
Jude C.

Jude C.

Near Grand Prairie, TX 75052
ROBBY G.

ROBBY G.

Near Weatherford, TX 76088
ROBBY G.

ROBBY G.

Near Dallas, TX 75219
Jude C.

Jude C.

Near Irving, TX 75061
Jude C.

Jude C.

Near Dallas, TX 75211
Olga S.

Olga S.

Near Tribeca Ln, Plano, TX 75024
Olga S.

Olga S.

Near S Watters Rd, Allen, TX 75013
Olga S.

Olga S.

Near Margarita Ln, Laredo, TX 78046
Olga S.

Olga S.

Near Cedar Run Rd, Abilene, TX 79606
Jude C.

Jude C.

Near Longview, TX 75604
Sheena U.

Sheena U.

Near Houston, TX 77038
Sheena U.

Sheena U.

Near Houston, TX 77038
Sheena U.

Sheena U.

Near Arlington, TX 76001
Rey T.

Rey T.

Near Missouri City, TX 77459
Rey T.

Rey T.

Near Missouri City, TX 77459
Jude C.

Jude C.

Near San Antonio, TX 78216
Rey T.

Rey T.

Near Austin, TX 78702
Rey T.

Rey T.

Near Austin, TX 78702
Rey T.

Rey T.

Near Mesquite, TX 75149
Rey T.

Rey T.

Near Mesquite, TX 75149