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Find Freedom Fast with Texas Personal Loans

Achieve your personal financial goals. Secure a Texas personal loan today.

Join the thousands of Texans who reached their personal financial goals.

What Are Personal Loans?

Personal loans are loans which can offer a flexible solution for individuals seeking financial support. Unlike traditional lending methods, Wise Loan’s online platform simplifies the borrowing process, providing convenience and accessibility to borrowers.

Benefits of Personal Loans

Personal loans have numerous advantages over traditional loans, which can help suit your needs:

Flexibility in use of funds

Predictable monthly payments

Convenient application process

Types of Personal Loans in Texas

Installment Loans

Installment loans provide borrowers with fixed monthly payments and flexible repayment terms, making budgeting easier.

Bad Credit Loans

Bad credit loans offer access to funds for individuals with less-than-perfect credit scores, providing an opportunity to rebuild credit.

Payday Loans

Payday loans provide short-term borrowing solutions for urgent financial needs, although they may typically come with high-interest rates.

Why Choose Wise Loan?

Wise Loan offers a hassle-free borrowing experience, providing quick access to funds with transparent terms and conditions.

Funds Within 15 Minutes*

Super Fast Loan Decision in 5 Minutes

Positive Payment History Reported to Credit Bureaus

*Must meet the following criteria: Meet normal loan qualifications, provide a debit card associated with your checking account, apply and be approved with the loan document signed by 5:30 pm CT.

How to Get the Best Personal Loans in Texas

Take these simple steps to secure your personal loan in Texas:

1

Complete the Loan Application

Fill out our online loan application form, designed for ease of use with a user-friendly interface. We will need your bank account information, so have it ready when you begin.

2

Review and Accept Loan Terms

Understand the approval process and stay updated on your application status. Wise Loan ensures transparency every step of the way.

3

Receive Your Personal Loan

Once you accept the loan agreement and get approved, you may be eligible to receive funds within 15 minutes.** We also offer same-day and next-day funding.

*In addition to meeting our normal loan qualifications, you must provide a debit card associated with your checking account, apply and be approved with the loan document signed by 5:30 pm CT. 

Cities We Serve

Cities to consider for personal loans in Texas:

Houston
San Antonio
Dallas
Austin
Fort Worth
El Paso
Arlington
Corpus Christi
Plano
Lubbock

Hear From Our Customers

Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1525 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.


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


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


Good job




Review of Wise Loan

He was helpful

ShreveportLA71104 32.485-93.73

Response from Wise Loan:

Sheila, 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 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


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


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


Excellent Service!




Review of Wise Loan

So helpful when I needed it most!

Balch SpringsTX75180 32.7175-96.615

Response from Wise Loan:

Anna, 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


Good service




Review of Wise Loan

Always professional and prompt

Greenwell SpringsLA70739 30.6275-90.9525

Response from Wise Loan:

Johnathan, 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

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


Very helpful, and excellent service




Review of Wise Loan

I recommend this place to anyone that needs a loan! They are very helpful when things get rough and you need help!

OldtownID83822 48.175-117.035

Response from Wise Loan:

Jenny, 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


Terrible service




Review of Wise Loan

Very unprofessional

WhitewrightTX75491 33.475-96.3875

Response from Wise Loan:

Linda, 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


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


No




Review of Wise Loan

Terrible

WhitewrightTX75491 33.475-96.3875

Response from Wise Loan:

Linda, 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


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


Excellent Service!




Review of Wise Loan

Super Helpful

KnollwoodTX75092 33.68-96.7275

Response from Wise Loan:

Deanna, 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


Jude C.

Jude C.

Near MERRIAM VLG, MO 65740
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
ROBBY G.

ROBBY G.

Near Shreveport, LA 71104
ROBBY G.

ROBBY G.

Near Detroit, TX 75436
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 Boise, ID 83705
Jude C.

Jude C.

Near Missouri City, TX 77459
Jude C.

Jude C.

Near Greenville, WI 54942
Rey T.

Rey T.

Near Blythewood, SC 29016
Rey T.

Rey T.

Near Blythewood, SC 29016
Olga S.

Olga S.

Near Houston, TX 77036
Olga S.

Olga S.

Near Falcon Shores Dr, Zapata, TX 78076
Rey T.

Rey T.

Near Port Acres, TX 77640
Rey T.

Rey T.

Near Port Acres, TX 77640
Jude C.

Jude C.

Near McKinney, TX 75071
Jude C.

Jude C.

Near Grand Prairie, TX 75052
ROBBY G.

ROBBY G.

Near Godley, TX 76044
ROBBY G.

ROBBY G.

Near Weatherford, TX 76088
ROBBY G.

ROBBY G.

Near Baton Rouge, LA 70817
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ROBBY G.

Near Lehi, UT 84045

Member of

Frequently Asked Questions

What are the Requirements to Apply for a Loan?

At Wise Loan, we strive to make the process of applying for a personal loan as seamless and inclusive as possible. Here’s what you’ll need to get started:

  • Age Requirement: Applicants must be 21 or older.
  • Social Security Number: Required for identity verification.
  • Banking Information: A traditional checking account is necessary. Prepaid or savings accounts are not accepted. If you opt for instant funding via debit card, ensure the card is linked to the checking account you provide in your application.
  • Income Deposits: Your income must be directly deposited into the checking account used for the application.
  • Physical Address: A physical residential address is required; P.O. Box addresses are acceptable only as mailing addresses.
  • Monthly Income: A minimum monthly income of $1,500 is required. For residents of South Carolina and self-employed applicants, the minimum is $3,000.

How Long Does It Take to Receive Funds After Approval?

Upon approval, funds are typically dispersed within 15 minutes (assuming requirements are met), ensuring swift access to financial assistance. Additionally, Wise Loan offers the convenience of same-day or next-day funding options, providing even more flexibility and timely support for our customers.

What is the Easiest Loan to Get in Texas?

For many individuals seeking the best personal loans in Texas possible, installment loans stand out as a straightforward borrowing solution with flexible repayment options tailored to suit diverse needs and circumstances. These loans offer not only ease of access but also manageable terms, making them a popular choice among borrowers.

What Happens If I Miss a Loan Payment?

In the event of missing a loan payment, it’s crucial to note that interest continues to accrue, potentially impacting the overall cost of the loan. Therefore, it’s essential to proactively communicate with Wise Loan to explore available options and potential solutions to mitigate any negative consequences and ensure a smooth repayment process.

Related Personal Loan Resources

Apply for a Personal Loan in Texas

Take the next step in your financial journey. Apply for a personal loan in Texas with Wise Loan.