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Missouri Loan Terms and Conditions – Details

 

  • General

    These Terms and Conditions govern each credit application you submit to Essential Lending, Inc. (ELI) and each loan that you may obtain from ELI. ELI 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 time frame 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 hello@wiseloan.com or changing your contact preferences on the ELI website.

  • 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

Local Reviews
for Kansas City,St. Louis,Florissant,Jefferson City,Springfield,Saint Louis,Imperial,Raymore,Saint Charles,Chesterfield,Columbia,Harrisonville,Lake Waukomis,Liberty,Salem,Troy,VLG LOCH LOYD,Warrenton,Agency,Arnold,Blue Springs,Bonne Terre,Brentwood,Buffalo,Camdenton,Caulfield,Duenweg,Easton,Falcon,Ferrelview,Frankford,Independence,Jackson,Joplin,Kimberling City,Kirksville,LA BARQUE CRK,Linn,Marionville,Maryland Heights,Nelson,Nixa,North Kansas City,Old Monroe,Overland,Raytown,St. Peters,Union,Warsaw,Wright City, MO

Wise Loan Rated 5.0 out of 5 stars based on 25 customer reviews

Map of Warsaw, MO

Fabulous Service!!




Review of Wise Loan

I simply can't Thank Shalitha enough. She is wonderful, helped me with a miracle and was super nice, sweet and helpful. Blessings


Map of Springfield, MO

Incredible - Surprising - Inspiring




Review of Wise Loan

Way behind on payments. Dreading a call to discuss. Jude handled it in a very friendly efficient way, got me back on track and has inspired me to act more quickly in all my dealings.


Map of LA BARQUE CRK, MO

Great Service




Review of Wise Loan


Map of Kansas City, MO

Great Service




Review of Wise Loan

Came in handy when I was in a bind


Map of St. Louis, MO

Great Service




Review of Wise Loan


Map of St. Louis, MO

Great Service!




Review of Wise Loan

Reached out to Wise Loan due to last minute emergency! Customer service was exceptional, within a few hours immediately approved with the option of funding the sane day. Can't get in better...thank you for being there for me!


Map of St. Louis, MO

Great service and great advice




Review of Wise Loan

Very easy to work with


Map of Falcon, MO

Customer service is great! Helpful staff




Review of Wise Loan

Fast qualification. The Staff is amazing


Map of St. Louis, MO

Great Service




Review of Wise Loan

I had a great experience she was very helpful and understanding


Map of Buffalo, MO

Very friendly service




Review of Wise Loan

All of the employees that I came in contact with were great. There was some delay with not getting enough Bank information, but every time I called they were gracious and helpful.


Good service




Review of Wise Loan

Very friendly people


Polite & very knowledgeable




Review of Wise Loan


great service for hard money loan.




Review of Wise Loan

Great and quick hard money loan with no early prepayment penalty. I hope to use the company again.


Great Service




Review of Wise Loan

Very satisfied with service


Awesome ladies helping me, very good service. Thank you so much.




Review of Wise Loan

Very good experience


Great service




Review of Wise Loan


great customer service




Review of Wise Loan

excellent phone skills, very helpful


Great service overall




Review of Wise Loan

Had a little bit of a problem with getting the bank verification threw but finally got it done.


Awesome service




Review of Wise Loan

Service was great. The loan was much needed and greatly appreciated


Exceptional , fast service , great customer service!!




Review of Wise Loan

I have nothing but positive reviews for this company, they were very prompt in returning my phone calls and answering any questions that I may have had. I would definitely use this company again and recommend to all of my friends and family! They truly helped me in a time of great need, and I will forever be grateful !


Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near St. Louis, MO 63144
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near St. Louis, MO 63144
Jude C.

Jude C.

Near Kansas City, MO 64123
Alma C.

Alma C.

* Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Florissant, MO 63033
Jude C.

Jude C.

Near St. Louis, MO 63132
Alma C.

Alma C.

Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Kansas City, MO 64114
Shalitha W.

Shalitha W.

Near Warsaw, MO 65355
Shalitha W.

Shalitha W.

Near Blue Springs, MO 64014
Jude C.

Jude C.

Near St. Louis, MO 63101
Jude C.

Jude C.

Near Springfield, MO 65807
Jude C.

Jude C.

Near Raytown, MO 64138
kameon b.

kameon b.

Thank you so very much for being a customer with Wise loan, this is just a little survey so that you can let us know how we were getting your loan together if you can complete this survey you will be put in to win a $50 gift card thank you so very much again good luck!!!

Near Kansas City, MO
kameon b.

kameon b.

Thank you so much for speaking with Wise loan on today please complete this survey and you will but put in a drawing to win a $50 gift card.

Near Frankford, MO 63441
Aaorn M.

Aaorn M.

Near Kimberly Dr, Duenweg, MO 64841
Jude C.

Jude C.

Thanks for being a valued customer!! I hope I was able to help you today!! Please take a moment to review my service today. Thanks!! Jude at WiseLoan

Near Montgall Ave, Kansas City, MO 64128
MARIA  F.

MARIA F.

Dear Robert, Thank you for choosing Wise loan as part of your financial needs. I have enclosed a Customer survey to ensure that your needs were met. I do apologize for the troubles regarding your social security number, but we do take very serious our customer privacy. If you have any questions please feel free to call. Thank you, Maria Fuentes

Near Devonshire Ct, St. Peters, MO 63376
MARIA  F.

MARIA F.

Dear Dennis, Thank you for choosing Wise Loan for your financial needs. If you need any further assistance or have any questions please feel free to call us. Thank you, Maria Fuentes.

Near N College Ave, Kansas City, MO 64156
Claire B.

Claire B.

Near Overbrook Ln, Raymore, MO 64083
Rita G.

Rita G.

Wise Loan/Essential Lending tell me how we did today? Rita

Near Casino Center Dr, Maryland Heights, MO 63043
Jude C.

Jude C.

It was a pleasure assisting you this morning. Can you please take a moment and review my service for you today? Thanks!! Jude at WiseLOAN

Near Springfield, MO 65804
Claire B.

Claire B.

Near NW 9 St, Blue Springs, MO 64015
Claire B.

Claire B.

Near Windemere Dr, Imperial, MO 63052
Claire B.

Claire B.

Near N Euclid Ave, Kansas City, MO 64118
Jude C.

Jude C.

Please take a moment to review my service today!! Thanks, Jude at WiseLoan

Near St. Louis, MO 63138
Shannon S.

Shannon S.

WISELOAN/ESSENTIAL LENDING WOULD LIKE TO HEAR ABOUT YOUR CUSTOMER SERVICE EXPERIENCE WITH SHANNON!

Near Columbia, MO
Jude C.

Jude C.

Hello Theo! Please take a moment to review our service thus far. Thanks!! Jude at WiseLoan

Near Kansas City, MO 64133
Claire B.

Claire B.

Near E 37th Terrace S, Independence, MO 64057
Shannon S.

Shannon S.

WISELOAN/ESSENTIAL LENDING WOULD LIKE TO HEAR ABOUT YOUR CUSTOMER SERVICE EXPERIENCE!

Near Nelson, MO
Jude C.

Jude C.

Hello! Please take a moment to review my service today! Thanks!! Jude at WiseLoan

Near Salem, MO 65560
Claire B.

Claire B.

Near Forest Hill Dr, Salem, MO 65560