Instant Loan Decision

Money in 24 Hours

Easy, Flexible Payment Terms

South Carolina 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 South Carolina, 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 Columbia,Spartanburg,Charleston,Simpsonville,Summerville,Saint George,Greenville,North Charleston,Rock Hill,Taylors,Lexington,Pickens,Beaufort,Effingham,Florence,Fort Mill,Graniteville,Greenwood,Greer,Kershaw,Liberty,Moncks Corner,Mount Pleasant,Newberry,Pelzer,Prosperity,Travelers Rest,Walterboro,Bennettsville,Bishopville,Clemson,Conway,Easley,Gaffney,Hanahan,Hilton Head Island,Irmo,Kingstree,Ladson,Lamar,Murrells Inlet,Myrtle Beach,Ninety Six,Pauline,Sumter,Aiken,Anderson,Andrews,Batesburg-Leesville,Beech Island,Boiling Springs,Cayce,Cheraw,Chesnee,Chester,Cope,Cowpens,Dalzell,Elgin,Ft Mill,Goose Creek,Gray Court,Hollywood,Honea Path,Hopkins,Inman,Johnsonville,Lancaster,Leesville,Manning,Mauldin,North Myrtle Beach,Pawleys Island,Richburg,Salem,Salters,Scranton,Sheldon,Society Hill,Springfield,Summerton,Swansea,Timmonsville,Whitmire,Yemassee,York, SC

Wise Loan Rated 4.8 out of 5 stars based on 53 customer reviews

Map of Ladson, SC

Rep was awesome




Review of Wise Loan

Rep very patient and friendly


Map of Gaffney, SC

Awesome friendly service!!




Review of Wise Loan


Map of Spartanburg, SC

Great Service!




Review of Wise Loan

Kam was very helpful and has an amazing personality! He made my loan process quick and easy! He went out and beyond to meet my needs!


Map of Lamar, SC

Good service.




Review of Wise Loan


Map of Graniteville, SC

Great Customer service




Review of Wise Loan

I've had a great experience with this company


Map of Lamar, SC

Loan




Review of Wise Loan


Map of Hilton Head Island, SC

Friendly, courteous service person




Review of Wise Loan


Map of Charleston, SC

Great service




Review of Wise Loan


Map of Columbia, SC

Very good Yes. it was AWEDOME




Review of Wise Loan

SERVICE WAS GOOD WAS TOLD ALL I NEEDED TO KNOW ABOUT MY ACCOUNT.


Map of Spartanburg, SC

Wonderful Employees




Review of Wise Loan

They was just so helpful with my account . I appreciate their professional service..


Professional and timely




Review of Wise Loan

Always get good customer service that's why I always cone back


Awesome service and excellent people




Review of Wise Loan

Swesome


Great service




Review of Wise Loan

Alma was helpful and her smile come thru the phone


Excellent customer service




Review of Wise Loan


Very detail info greatly appreciated




Review of Wise Loan

the process was followed to get bank auentthication was brief and informative


Awesome Customer Service




Review of Wise Loan

Customer service was very helpful and assisted me with scheduling my payment.


Great Rep




Review of Wise Loan

Most pleasant experience


Great service




Review of Wise Loan


Great service




Review of Wise Loan

Would recommend


Great Service!




Review of Wise Loan

Fast and easy! Quick approval!


Shalitha W.

Shalitha W.

Near Ladson, SC 29456
Jude C.

Jude C.

Near Mauldin, SC 29662
kameon b.

kameon b.

Thank you so very much for choosing Wise loan if you could there is a quick survey to your email we have sent you we would truly appreciate if you could fill it out it's something that could really help us make sure we are the best for you.

Near State Rd S-42-3367, Spartanburg, SC 29303
Alma C.

Alma C.

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

Near Lamar, SC 29069
Aaorn M.

Aaorn M.

Near Dog Leg Rd, Leesville, SC 29070
Jessica  O.

Jessica O.

Wise Loan/ Essential Lending would like to hear about your customer service experience today!

Near Simpsonville, SC
Jude C.

Jude C.

It was a pleasure serving you today!! Happy to have you as a new customer!! Please take a moment to review my service for you today!! Thanks!! Jude at WiseLoan

Near Columbia, SC 29209
Jude C.

Jude C.

Hello!! I hope I was able to be of some assistance for you this morning!! Please take a moment to review my service for you today!! Thanks!! Jude at WiseLoan

Near Kershaw, SC 29067
Jude C.

Jude C.

Brad, I am glad that we were able to set up a affordable payment plan that fit your budget. Thanks for being a WiseLoan customer and if you can please complete a review of my service for you today! Thanks!! Jude at WiseLoan

Near Effingham, SC 29541
MARIA  F.

MARIA F.

Dear, Rodney, Thank you for choosing Wise Loan for your financial needs. Please feel free to fill this customer service survey for quality training, and if you have any questions please give us a call. Have a great day! Thank you, Maria Fuentes 1800-516-7840 ext 3144

Near Crescent Ave, Sumter, SC 29150
MARIA  F.

MARIA F.

Dear James, Thank you for choosing Wise Loan for your financial needs. We are glad you are part of the Wise loan family. Please take a moment to answer the short survey regarding your customer service experience for training purposes. Feel free to contact us if you have any questions. Thank you, Maria Fuentes 1800-516-7840

Near Dorchester Rd, Summerville, SC 29485
MARIA  F.

MARIA F.

Dear Quinten, Thank you for choosing Wise loan for your financial needs. We are happy to have helped. If you have any questions please feel free to contact us. Thank you, Maria Fuentes

Near E 4th St, Kershaw, SC 29067
MARIA  F.

MARIA F.

Dear Tazoris, Thank you for choosing Wise Loan as your financial needs. If you have any questions regarding the loan please feel free to call us. Thank you, Maria Fuentes.

Near Farley Ave, Spartanburg, SC 29301
Jude C.

Jude C.

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

Near Simpsonville, SC
MARIA  F.

MARIA F.

Dear Robin, Thank you for choosing Wise Loan for your financial needs. If you have any questions feel free to call us. Have a great Day, Thank you, Maria Fuentes 1800-516-7840

Near S Beltline Blvd, Columbia, SC 29205
MARIA  F.

MARIA F.

Dear Matthew, Thank you for choosing Wise Loan as part of your financial needs. If you have any questions or concerns please feel free to call us. Than you, Maria Fuentes 1800-516-7840

Near Niblick Rd, Summerville, SC 29483
MARIA  F.

MARIA F.

Hello Beverly, I want to thank you for choosing Wise loan for your financial needs. If you have any questions in the future feel free to give us a call. Thank you, Maria Fuentes 1800-516-7840

Near Veterans Rd, Columbia, SC 29209
Jackie C.

Jackie C.

Wise Loan / Essential Lending would like to hear about your customer service experience with me today!

Near Graniteville, SC
Jude C.

Jude C.

We are excited to possibly have you on as a long term customer!! Can you please take a moment and review my service for you today? Thanks!! Jude at WiseLoan.

Near Murrells Inlet, SC 29576
Jessica  O.

Jessica O.

Wise Loan/Essential Lending would like to hear about your customer service experience today!

Near Charleston, SC
derrica d.

derrica d.

Near Liberty, SC 29657
Claire B.

Claire B.

Near Balsam St, Charleston, SC 29407
Jude C.

Jude C.

Please take a moment to review my service for you this morning!! Thanks!! Jude at WiseLoan

Near Effingham, SC 29541
Claire B.

Claire B.

Near Pearson Center, Spartanburg, SC 29301
Claire B.

Claire B.

Near Rio Grande Pl, Simpsonville, SC 29680
Rita G.

Rita G.

WISE LOAN/ESSENTIAL LENDING How did we do customer service?

Near Hanahan, SC 29410
Rita G.

Rita G.

Wise Loan/Essential Lending This is Rita please tell us how did we do today?

Near Lancaster, SC 29720
Claire B.

Claire B.

Near SC-128, Beaufort, SC 29906
Shannon S.

Shannon S.

WISE LOAN/ ESSENTIAL LENDING WOULD LIKE TO HEAR ABOUT YOUR CUSTOMER SERVICE EXPERIENCE WITH SHANNON TODAY!

Near Rock Hill, SC
Claire B.

Claire B.

Near Rio Grande Pl, Simpsonville, SC 29680