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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 [email protected] 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 511 customer reviews

Map of North Richland Hills, TX 76182

Outstanding service When working with my account




Review of Wise Loan

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.

North Richland HillsTX76182 32.8825-97.2125

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


Map of Richardson, TX 75081

Excellent service!




Review of Wise Loan

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👍

RichardsonTX75081 32.955-96.695

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


Map of San Antonio, TX 78249

Great easy and quick




Review of Wise Loan

San AntonioTX78249 29.5675-98.605

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


Map of Houston, TX 77049

Excellent Service




Review of Wise Loan

Robbi Glenn was great and very professional in helping me with what I needed. Every time I speak to him, he is very pleasant.

HoustonTX77049 29.84-95.1525

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


Map of Houston, TX 77012

Excellent




Review of Wise Loan

Jude is always helpful and veey understanding

HoustonTX77012 29.715-95.27

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


Map of Cleburne, TX 76033

Excellent experience




Review of Wise Loan

Nice, professional. No attitude , as some loan places , make you feel, at their feet . Highly recommend them!

CleburneTX76033 32.2925-97.5025

Map of Carrollton, TX 75007

Great service




Review of Wise Loan

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

CarrolltonTX75007 33.0125-96.8875

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


Map of Katy, TX 77449

Best and ONLY place to go for loan help




Review of Wise Loan

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!

KatyTX77449 29.825-95.75

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


Map of Humble, TX 77396

Excellent Service




Review of Wise Loan

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

HumbleTX77396 29.95-95.2575

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


Map of Elgin, TX 78621

Excellent Service!!




Review of Wise Loan

Very professional and explained everything so good!!

ElginTX78621 30.3425-97.3725

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




Review of Wise Loan

Fast and quick great customer service

LaredoTX78043 27.545-99.2575

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




Review of Wise Loan

He was very nice and patient. Very helpful. He definitely answered all my questions.

GarlandTX75040 32.9375-96.6325

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




Review of Wise Loan

Excellent customer service

CarrolltonTX75006 32.9675-96.8875

Excellent Service!!




Review of Wise Loan

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 .

KatyTX77449 29.825-95.75

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




Review of Wise Loan

The representative, Robby was amazing, courteous, patient and friendly. He needs a raise!

HuttoTX78634 30.5625-97.5475

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




Review of Wise Loan

The ColonyTX75056 33.0775-96.91

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




Review of Wise Loan

Always great service.

EdinburgTX78539 26.2675-98.1875

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!!




Review of Wise Loan

Jude is great but once I had to call repeatedly to get someone on the phone and that was awful.

KatyTX77494 29.7425-95.825

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




Review of Wise Loan

Corpus ChristiTX78414 27.6475-97.3625

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!!




Review of Wise Loan

Jude is a rockstar!!!

ArlingtonTX76014 32.6925-97.0875

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


Jude C.

Jude C.

Near Killeen, TX 76548
Jude C.

Jude C.

Near Fort Worth, TX 76109
Jude C.

Jude C.

Near San Antonio, TX 78251
ROBBY G.

ROBBY G.

Near Houston, TX 77049
ROBBY G.

ROBBY G.

Near Forest Hill, TX 76119
ROBBY G.

ROBBY G.

Near San Antonio, TX 78264
ROBBY G.

ROBBY G.

Near North Richland Hills, TX 76117
Jude C.

Jude C.

Near McKinney, TX 75069
ROBBY G.

ROBBY G.

Near Houston, TX 77044
ROBBY G.

ROBBY G.

Near North Richland Hills, TX 76182
Jude C.

Jude C.

Near Irving, TX 75038
Jude C.

Jude C.

Near Garland, TX 75042
Jude C.

Jude C.

Near San Antonio, TX 78232
Jude C.

Jude C.

Near Carrollton, TX 75006
ROBBY G.

ROBBY G.

Near Richardson, TX 75081
Jude C.

Jude C.

Near San Antonio, TX 78249
Jude C.

Jude C.

Near San Antonio, TX 78253
ROBBY G.

ROBBY G.

Near Cedar Hill, TX 75104
ROBBY G.

ROBBY G.

Near Houston, TX 77049
Jude C.

Jude C.

Near Dallas, TX 75230
ROBBY G.

ROBBY G.

Near Dallas, TX 75208
Jude C.

Jude C.

Near Houston, TX 77012
ROBBY G.

ROBBY G.

Near Frisco, TX 75034
Jude C.

Jude C.

Near Garland, TX 75043
Jude C.

Jude C.

Near Longview, TX 75604
Jude C.

Jude C.

Near Donna, TX 78537
Jude C.

Jude C.

Near Arlington, TX 76012
Jude C.

Jude C.

Near Cleburne, TX 76033
ROBBY G.

ROBBY G.

Near Plano, TX 75023
ROBBY G.

ROBBY G.

Near Arlington, TX 76014