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Loans for Bad Credit 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!

Bad Credit Loans

When most people have bad or no credit, 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 Bad Credit Loans?

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.

How do Bad Credit Loans Work?

Once you are approved for a bad credit loan, you receive the money in your bank 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 for a bad credit loan with Wise Loan. Give us a call at 800-516-7840. Take a moment to read through our terms and conditions below!

How Much You Can Borrow

In the state of Texas, Wise loan offers loan amounts between $200 – $2000. You don’t necessarily need to have good credit to be approved for a Wise Loan! Amounts, as well as 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 savings 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.