Responsible Lending with Wise Loan


Wise Loan offers online installment loans to cover urgent financial needs. We want you to have the know-how to soar wisely through money concerns.

  1. Provide the Cash Needed

    Wise Loan wants its customers to receive the money they need, when they need it, and have their good payment history earn higher credit limits.

  2. Clear and Understandable Credit Terms

    Getting credit shouldn’t be confusing. Clear and easy-to-understand terms educate our customers on the best ways to borrow money.

  3. Responsiveness to Customers

    Wise service means we give a hoot about our customers. It’s more than answering the phone and processing payments.
    Every customer has a loan manager who knows them by name and can help them succeed.

  4. Improve Credit Status

    The Company reports payment history to Credit Reporting Agencies, giving our customers the chance to improve their credit status and the ability to receive larger installment loans at lower rates with our Company.

  5. Build For the Future

    Every paid in full Wise Loan results in a cash reward deposited to the customer’s Nest Egg account to be withdrawn or applied as a loan payment as needed.


This is an expensive form of credit. Wise Loan by Essential Lending installment loans are designed to meet your borrowing needs. Appropriate emergencies may be a car repair, medical care for you or a family member, or travel expenses in connection with your job.

This service is not intended to provide a solution for all credit needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings, or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs.

Late fees and insufficient funds/returned item fees may apply as described in your loan documents. We will never charge any fees that are not fully disclosed in your loan documents.

If you don’t make a payment on time, we will attempt to contact you via one or more authorized methods. Our collections methods will be in accordance with the guidelines of the federal Fair Debt Collection Practices Act (FDCPA). Because we may report your payment history to one of more credit bureaus, late or non-payment of your loan may negatively impact your credit rating. If you fail to repay your loan in accordance with its terms, we may place your loan with a third-party collection agency.