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Missouri Terms and Conditions

  • General
    These Terms and Conditions govern each credit application you submit to Essential Lending, Inc. and each loan that you may obtain from Essential Lending, Inc. (ELI). Essential Lending, Inc. 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, which can be viewed at https://www.wiseloan.com/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 timeframes 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 Missouri, 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 communications 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 customerservice@essentialending.com.
  • 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