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Consumer Disclosure Forms

The following links contain disclosures as required by the Office of the Consumer Credit Commissioner (OCCC) for all residents applying for an Installment Loan. These disclosures outline all the estimated costs associated with Installment Loans of the following amounts:

Loan Terms and Conditions Texas

Welcome, Texas Customer!

Loan Amount : $200 – $3,500

Repayment Terms : 2 – 11 Bi-weekly payments

APR (based on credit) : 299.96% – 799.00%

 

Common Loans in Texas

Loan Amount
 $500 $800 $1,000
 Number of Bi-Weekly Payments
 10 10 10
 Amount Per Payment
 $133.74  $239.56  $267.77
APR
564.24% 654.15% 565.07%
Total Loan Repayment
 $1,337.40  $2,395.60  $2,677.73

Terms and Conditions for Texas

You can view our Terms & Conditions for Texas and Privacy Policy for more information.

OCCC Consumer Credit Notice

In Texas, Essential Lending Inc. is a registered Texas Credit Services Organization and a licensed Credit Access Business operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: [email protected]

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Regulatory Contact Information

Texas Office of Consumer Credit Commissioner
2601 N. Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579
Fax: (512) 936-7610

Certificates

 

Texas CAB License

Texas CSO License

 

Local Reviews
for Houston,Fort Worth,Dallas,San Antonio,El Paso,Arlington,Austin,Katy,Amarillo,Garland,North Richland Hills,Round Rock,Spring,Grand Prairie,League City,Lubbock,Irving,Pflugerville,Sugar Land,Beaumont,Brownsville,Leander,Waco,Allen,Cedar Hill,Converse,Cypress,Humble,Mesquite,Texarkana,Corpus Christi,Ennis,Fresno,Killeen,Lancaster,Lewisville,McAllen,McKinney,Missouri City,Pasadena,Bryan,Carrollton,Cedar Park,Copperas Cove,DeSoto,Frisco,Harlingen,Lufkin,Mansfield,New Braunfels,Temple,Tyler,Waxahachie,Wichita Falls,Aubrey,Baytown,Euless,Glenn Heights,Granite Shoals,La Porte,Manvel,McGregor,Milano,Nevada,Pearland,Seagoville,Tomball,Bedford,Benbrook,Big Spring,Bogata,Burleson,Denton,Dickinson,Donna,Floresville,Ft Worth,Galveston,Hereford,Hillsboro,Horizon City,Hudson Oaks,Hutto,Keller,Kerrville,Laneville,Laredo,Liberty Hill,Los Fresnos,Manor,Midland,Midlothian,Murphy,Nacogdoches,Odessa,Paris,Plano,Prairie View,Quinlan,Richmond,Roanoke,San Angelo,San Benito,Seguin,Sweeny,Texas City,Weatherford,Weslaco,Abilene,Aledo,Alpine,Alvarado,Ames,Angleton,Atlanta,Avinger,Azle,Beeville,Blanco,Blue Ridge,Bonham,BROOKSIDE VL,Bruceville,Buda,Calvert,Canyon,Cedar Creek,Chireno,Christoval,Cleburne,Clodine,College Station,Commerce,Conroe,Cotulla,Crowley,Dalhart,Deer Park,Duncanville,Edinburg,Elgin,Elsa,ENCHANTED OAK,Fair Oaks Ranch,Fischer,Forest Hill,Fredericksburg,Friendswood,Gatesville,Georgetown,Granbury,Grapevine,Haltom City,Harker Heights,Helotes,Highlands,Hurst,Indianola,Iola,Jacksboro,Jacksonville,Jarrell,Joshua,Karnack,Kingsbury,Krum,La Vernia,Lamesa,Longview,Lucas,Luling,Mabank,Marshall,Mart,Maxwell,Montgomery,Mount Pleasant,New Caney,Newton,Olney,Overton,Paige,Pharr,Ponder,Port Isabel,Quanah,Rhome,Richardson,Richland Hills,Riviera,Rogers,Rosharon,Rowlett,Royse City,Saginaw,Salado,San Juan,Sanger,Santa Rosa,Seymour,Sinton,Somerville,Splendora,Stafford,Stockdale,Taft,Talco,Taylor,Terrell,The Colony,The Woodlands,Trophy Club,Troup,Universal City,Victoria,Von Ormy,Wolfe City,Woodway, TX

Wise Loan Rated 4.8 out of 5 stars based on 432 customer reviews

Map of San Antonio, TX

Great service




Review of Wise Loan

I had unexpected expenses come up and robi worked me on getting on a payment plan to help me take care of my loan…thank you so much during my hard time


Response from Wise Loan:

Vanessa, thank you for sharing your experience. We're so glad to have helped you during your hard time. If there's anything we can do for you in the future, please don't hesitate to reach out. Best regards! -Wise Loan


Map of Killeen, TX

GREAT CUSTOMER SERVICE




Review of Wise Loan


Response from Wise Loan:

Gary, thank you for sharing your experience. We're so glad you had great customer service. Please don't hesitate to reach out if you have any future needs by calling 800.516.7840. Best regards. -Wise Loan


Map of Austin, TX

Always helpful. always courteous!




Review of Wise Loan


Map of San Antonio, TX

Did a great job




Review of Wise Loan

Very nice and courtesy


Response from Wise Loan:

Tina, thank you for sharing your experience. We're glad you had a nice and courteous experience. If there's anything we can do for you in the future, please don't hesitate to call 800.516.7840. Best regards! -Wise Loan


Map of Montgomery, TX

Awesome Customer Service.




Review of Wise Loan

Robbie helped me out when I had an issue with my loan.


Response from Wise Loan:

Donna, thank you for leaving your review. We appreciate the time you took to communicate with us and received good service from our team. If there's anything we can help you in the future, please don't hesitate to reach out. Best regards! -Wise Loan


Map of Dallas, TX

Great service.




Review of Wise Loan

Judd was awesome . He was very professional and friendly.


Response from Wise Loan:

Amelia, thank you for sharing your review. We're so glad you had a professional and friendly experience. If you have any future needs, please reach out to us at 800.516.7840. Best regards! -Wise Loan


Map of Houston, TX

Great Service




Review of Wise Loan

I really enjoyed the customer service that was provided by Mr. Robby Glenn even through he couldn’t assist in the nature of my call he did what he could. I was very satisfied with his expertise. Thank you


Response from Wise Loan:

Luana, thank you for sharing your experience. We strive to go the extra mile for our customers. If there's anything we can do for you in the future, please don't hesitate to reach out at 800.516.7840. Best regards! -Wise Loan


Map of Austin, TX

Great help!




Review of Wise Loan

Speaking with Natasha was great , she gave me great advice on how to get my account under control with less stress. She’s amazing, thank you.


Response from Wise Loan:

Elizabeth, thank you for leaving your review. It's so good to know you received great advice on how to get your account under control with less stress. If there's anything we can do for you in the future, please contact [email protected] Best regards! -Wise Loan


Map of Katy, TX

Awesome Service




Review of Wise Loan

Natasha is very professional and courteous. Very wonderful tro work with.


Response from Wise Loan:

Ruthie, thank you for sharing your experience. We're so glad you had a professional and courteous experience with us. If there's anything we can do for you in the future, please contact [email protected] or call 800.516.7840. Best regards! -Wise Loan


Map of Houston, TX

Awesome




Review of Wise Loan

Very professional


Response from Wise Loan:

Amanda, thank you for sharing your experience. We're so glad you thought it was awesome and very professional. If there's anything we can do to help you in the future, please contact us via [email protected] or call 800.516.7840. Best regards! -Wise Loan


Great Service




Review of Wise Loan

Very satisfied with the service received


Response from Wise Loan:

Demetrice, thank you for sharing your experience. We're so glad you were satisfied with the service you received. If there's anything we can help you with in the future, please reach out to us at [email protected] or call 800.516.7840. Best Regards! -Wise Loan


Amazing responses!




Review of Wise Loan

They are ALWAYS willing to help me! Never had an issue!


Response from Wise Loan:

Kela, thank you for sharing your experience. We're always happy and willing to help and glad you've never had an issue. If there's anything we can do to answer any future questions, please reach out to 800.516.7840. Best Regards! -Wise Loan


Awesome




Review of Wise Loan


Response from Wise Loan:

Dinelle, thank you for sharing your experience with us. We love that you had an awesome experience! If you have any questions in the future, please call 800.516.7840 or email: [email protected] Best regards! -Wise Loan


Thank you for your assistance.




Review of Wise Loan

Thank you for your assistance with this matter.


Response from Wise Loan:

Sharlene, thank you for sharing your experience. We're so happy we were able to assist you with this matter. If you have any future questions, please reach out to 800.516.7840 or email us at [email protected] Best regards! -Wise Loan


Amazing Service




Review of Wise Loan

Robbie is totally professional amd knowledgeable about the loan process. Informed me of everything amd answer my questions.


Response from Wise Loan:

Alvina, thank you for sharing your experience. We're so happy you are well informed, and all your questions were answered. If there's anything we can do for you in the future, please send us an email at [email protected] Best regards! -Wise Loan


Great customer support




Review of Wise Loan


Response from Wise Loan:

Nichael, thank you for sharing your review. We're so glad you received good customer support. If there's anything we can do for you in the future, please reach out to [email protected]seloan.com. Best regards! -Wise Loan


Great service!




Review of Wise Loan


Great service




Review of Wise Loan

Awesome attitude


Speedy and awesome customer service




Review of Wise Loan


Response from Wise Loan:

Monica, thank you for sharing your experience. At Wise Loan, we aim to be a transparent advocate and are here for you. If you have any other questions or needs in the future, please give us a call at 800.516.7840. Best Regards! -Wise Loan


Great Service




Review of Wise Loan

I wasn't aware of the returned check, but he setup a payment for me to fux tge problem.


Response from Wise Loan:

Billy, thank you for sharing your experience. We appreciate the time you took to leave your review and are so glad you had a good experience with us. If you ever have any future questions, please reach out to us via 800.516.7840. Best regards! -Wise Loan


Jude C.

Jude C.

Near Brownsville, TX 78520
Jude C.

Jude C.

Near Houston, TX 77039
ROBBY G.

ROBBY G.

Near San Antonio, TX 78247
Jude C.

Jude C.

Near Dallas, TX 75232
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Lake Carolyn Pkwy, Irving, TX 75039
Jude C.

Jude C.

Near El Paso, TX 79936
Jude C.

Jude C.

Near Garland, TX 75041
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Duval Rd, Austin, TX 78759
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Uvalde Dr, Killeen, TX 76549
Natasha W.

Natasha W.

Near Uvalde Dr, Killeen, TX 76549
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near E Mistletoe Ave, Victoria, TX 77901
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Green Tree Ln, Duncanville, TX 75137
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near W Dorman Dr, Austin, TX 78717
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Hallmark St, Grand Prairie, TX 75052
Jude C.

Jude C.

Near Benbrook, TX 76132
Jude C.

Jude C.

Near San Antonio, TX 78239
Jude C.

Jude C.

Near Spring, TX 77388
ROBBY G.

ROBBY G.

Near Austin, TX 78748
ROBBY G.

ROBBY G.

Near Baytown, TX 77521
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Tangley St, Houston, TX 77005
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Tom Green St, Austin, TX 78705
Jude C.

Jude C.

Near Round Rock, TX 78665
ROBBY G.

ROBBY G.

Near Roanoke, TX 76262
Jude C.

Jude C.

Near Grand Prairie, TX 75051
Jude C.

Jude C.

Near Spring, TX 77379
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Country Shadow, San Antonio, TX 78254
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Patricia Dr, San Antonio, TX 78213
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Hoffman Pln, San Antonio, TX 78252
ROBBY G.

ROBBY G.

Near Texarkana, TX 75503
Jude C.

Jude C.

Near Sanger, TX 76266