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Loans for Bad Credit in Texas

Dealing with bad credit or no credit at all can make life tough. It’s harder to apply for and receive a loan, purchase a house, or even rent a car. Sometimes, your future relies on making on-time payments to reduce your debt. In such a case, a personal loan can make a world of difference. Here at Wise Loan, we offer bad credit loans in Texas to help!

Texas Bad Credit Loans

When most people have bad credit scores or no credit history, it only makes sense for online lenders, like Wise Loan, to design a solution. A bad credit loan could be the answer you need – a loan solution to help tackle life’s greatest financial challenges.

What Are Personal Loans for Bad Credit?

A bad credit loan is a type of personal loan. It’s a lump sum of cash you receive upon approval of your application. You then make monthly payments, or installments, to repay the full amount. If you are faced with an emergency, a bad credit loan might be the right option for you. These loans tend to have a lower interest rate than credit cards or payday loans. They are geared towards those with bad credit.

How do Loans for Bad Credit Work?

Once you are approved for a bad credit loan, you receive the money in your checking account shortly thereafter. The money is yours to use as you see fit – debt consolidation, student loans, etc. – but you must make on-time payments each month.

It’s easier than ever to apply now for a bad credit loan with Wise Loan. Give us a call at 800-516-7840 and we can assist you with the application process. Take a moment to read through our terms and conditions below.

How Much Can You Borrow?

In the state of Texas, Wise loan offers loan amounts between $200 – $3500. You don’t necessarily need to have good credit to be approved for a Wise Loan! Loan amounts and approvals are determined by several factors including your credit and loan repayment history.

Flexible Payment Terms

With a Wise Loan installment loan, you get to pick the number of payments needed to pay off the loan. Texas residents can choose from flexible schedules with terms up to twelve months. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.

Cash Back Rewards

By paying your Wise Loan in Texas in a timely fashion, you can earn cash back rewards! For every $1000 borrowed and paid back on time, you could have $10 – $50 deposited into your Nest Egg rewards account.

Terms And Conditions For Texas

Essential Lending, Inc. DBA  Wise Loan, is not the lender in Texas, and we cannot guarantee that your application will result in a funded loan. Essential Lending Inc. is a credit services organization (CSO)/credit access business (CAB). We help you to obtain a loan from a lender at a simple interest rate of 10% per annum. For this service, we will charge a CSO fee. The amount of the fee that you will be charged is based on the amount of loan you receive from a lender and the number of payments you choose for repayment. You are not required to pay the fee upfront, or in one lump sum. Each repayment amount will include a portion of the CSO fee, and you can save money by paying off your loan early. If any payment you make to Essential Lending or to the lender is returned for any reason, you will owe a returned item fee of $30. Please review the full terms and conditions and privacy policy for more information. Rates are calculated using the simple interest method. The APR shown on your loan documents will include the total of the lender interest and the CSO fee and may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 637 customer reviews

Map of McKinney, TX 75070

Ms




Review of Wise Loan

Great customer service

McKinneyTX75070 33.16-96.68

Map of Houston, TX 77054

Excellent Service




Review of Wise Loan

Agent was friendly, answered my questions & was able to take care of my reason for calling

HoustonTX77054 29.685-95.4

Response from Wise Loan:

Jacqueline, 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 75051

Excellent and kind service!!




Review of Wise Loan

Grand PrairieTX75051 32.7325-96.99

Response from Wise Loan:

Maricela, 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 Irving, TX 75039

5 Stars




Review of Wise Loan

Robbie is the best fast and efficient

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


Map of San Antonio, TX 78213

Excellent service!!




Review of Wise Loan

Thank you for working with me!

San AntonioTX78213 29.4975-98.5225

Response from Wise Loan:

Rosemary, 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 Carrollton, TX 75010

Excellent work!




Review of Wise Loan

Robbie was great!!!

CarrolltonTX75010 33.0275-96.9275

Response from Wise Loan:

Richard, 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 Cypress, TX 77433

Excellent Service




Review of Wise Loan

Robby is completely understandable about your situation and goes above and beyond to try to work with you on handling the matter where you are satisfied.

CypressTX77433 29.965-95.75

Response from Wise Loan:

Cheryl, 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 Fort Worth, TX 76102

Excellent service




Review of Wise Loan

Robby was very helpful and detailed in assisting me with my pay off.

Fort WorthTX76102 32.7575-97.325

Response from Wise Loan:

Mcarthur, 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 Garland, TX 75043

Consistently Excellent Service




Review of Wise Loan

I have been working with Jude for several months. He is extremely knowledgeable, personable, and professional. He takes time to ensure all my questions are answered completely and correctly. I’m truly impressed by his willingness to go above and beyond each time we speak.

GarlandTX75043 32.85-96.59

Response from Wise Loan:

Yolande, 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 Lewisville, TX 75067

Excellent service




Review of Wise Loan

Rep was patience and explained everything to me about my loan

LewisvilleTX75067 33.01-96.985

Response from Wise Loan:

Tracey, 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

Very kind and professional..

HoustonTX77014 29.98-95.44

Response from Wise Loan:

David, 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

HoustonTX77042 29.725-95.5575

Response from Wise Loan:

Cleo, 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


Muy bien servicio




Review of Wise Loan

KatyTX77449 29.825-95.75

Response from Wise Loan:

Edgar, 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

DonnaTX78537 26.2475-98.0725

Response from Wise Loan:

Juan, 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

Awesome experience, would definitely recommend

San AntonioTX78251 29.465-98.6775

Response from Wise Loan:

Adriana, 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

Excellent Customer Service. Olga was extremely helpful and courteous.

WeatherfordTX76088 32.81-97.8375

Response from Wise Loan:

Teresa, 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


Excelente 👌




Review of Wise Loan

EXCELLEN

HoustonTX77072 29.6975-95.5975

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


Excellent service




Review of Wise Loan

Customer service was very polite, efficient and very helpful.

McKinneyTX75070 33.16-96.68

Response from Wise Loan:

Barbara, 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


Always professional




Review of Wise Loan

Professional, courteous, and friendly service!

GarlandTX75043 32.85-96.59

Response from Wise Loan:

Yolande, 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

DallasTX75287 32.9975-96.84

Response from Wise Loan:

Kristie, 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 McKinney, TX 75070
ROBBY G.

ROBBY G.

Near McKinney, TX 75070
ROBBY G.

ROBBY G.

Near DeSoto, TX 75115
Jude C.

Jude C.

Near Dallas, TX 75243
Olga S.

Olga S.

Near Warwick St, Garland, TX 75044
Olga S.

Olga S.

Near Forest Center Dr, Houston, TX 77339
Olga S.

Olga S.

Near E California Pkwy, Forest Hill, TX 76119
Jude C.

Jude C.

Near Grand Prairie, TX 75050
Trent T.

Trent T.

This is Trent the one who assisted you today regarding for your payment schedule would you mind fill out this information regarding for my performance today? it would be much appreciated. Thanks!!!

Near Shady Dr, Houston, TX 77016
ROBBY G.

ROBBY G.

Near Katy, TX 77450
Jude C.

Jude C.

Near Sugar Land, TX 77498
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Austin, TX 78723
ROBBY G.

ROBBY G.

Near Humble, TX 77338
ROBBY G.

ROBBY G.

Near Houston, TX 77054
Olga S.

Olga S.

Near Eldridge Pkwy, Houston, TX 77077
ROBBY G.

ROBBY G.

Near Grand Prairie, TX 75051
ROBBY G.

ROBBY G.

Near Houston, TX 77014
Olga S.

Olga S.

Near Burton St, Manor, TX 78653
ROBBY G.

ROBBY G.

Near Irving, TX 75039
Olga S.

Olga S.

Near Katy Gap Rd, Katy, TX 77494
Jude C.

Jude C.

Near Killeen, TX 76541
Jude C.

Jude C.

Near Laredo, TX 78041
Olga S.

Olga S.

Near Blalock Rd, Houston, TX 77080
Olga S.

Olga S.

Near Alcomita Dr, Houston, TX 77083
Olga S.

Olga S.

Near N Main St, Temple, TX 76501
Olga S.

Olga S.

Near Wilderness Oak, San Antonio, TX 78258
Jude C.

Jude C.

Near Austin, TX 78729
Jude C.

Jude C.

Near San Antonio, TX 78213
Jude C.

Jude C.

Near Edinburg, TX 78542