Loan Terms and Conditions Texas
Welcome Texas Customer!
Repayment Terms : 2 – 12 monthly payments
APR (based on credit) : 299.96% – 749.00%
Common Loans in Texas
Loan Amount |
$700 | $1,000 | $1,200 | $1,500 |
Number of Bi-Weekly Payments |
10 | 10 | 10 | 10 |
Amount Per Payment |
$131.38 | $180.61 | $216.73 | $260.46 |
APR |
349.95% | 324.96% | 324.96% | 299.96% |
Total Loan Repayment |
$1313.80 | $1806.10 | $2167.30 | $2604.60 |
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 by the State of Texas – Office of the Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems: Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207 (800) 538-1579, consumer.complaints@occc.state.tx.us,http://www.occc.state.tx.us.
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 CSO License
Local Reviews
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My service
SHELBY - Dallas, TX
No time to
Usually great but this time horrible
EDWARD - Amarillo, TX
Usually when you take payment from us everything is good. This time you tried to take and extra $328.00 when it was not due. The excuse I got was human error. It took me calling twice to fix it. But it was done.
Very easy to work with in all aspects
BRENT - Bedford, TX
Very fair and reasonable to deal with. They are fair in their business practices and customer oriented.
Great Service
FELICIA - Cypress, TX
Shay was very compassionate. She was also very informative.
Great and Kind
KAREN - Houston, TX
Awesome and great attitude
nice service
HARVEY - Mansfield, TX
everything was ok
Great service
KENNETH - Katy, TX
Didn't that a lot of time to complete loan process☺
Friendly rep
DAVIE - Houston, TX
Shay as a phone rep that help me with my loan. she was very nice friendly and very patient. she answered all questions in a professional manner. she made my day
Great Service
Keith - Houston, TX
Slow on sending funds
ANGELO - Beeville, TX
I was approved but kept getting the run around about signing my loan agreement forms. They had wrong dates so I had to sign numerous times. I spoke with about 5 different agents and they said all I had to do was sign the loan agreement which i called and had to do about 3 or 4 different times and I still dont have my funds in my account like they said
Awesome service
THU - Houston, TX
He was very patient with me
Awesome customer service
JENNIFER - Montgomery, TX
Kam was super helpful and friendly!!
Great service
MARCELION - Luling, TX
Great and prompt service.
DELORES - Benbrook, TX
Compared to some I have used this company makes it easy to get a loan and repay. The Reps. are patient and courteous.
Positive experience!
MELINDA - Houston, TX
I needed a loan, needed it fast. I was referred to Wise and received the help I needed to secure the amount I needed. The assistance from representative 3145 was fast and professional.
Awesome service
ANGELICA - Donna, TX
Great customer service
Great svc
CYNTHIA - Dallas, TX
Excellent CS
Great service! Awesome price!
MARTHA - Houston, TX
Alma and all the staff are awesome! Wise loan is awesome and has helped me build credit as well made me more responsible in paying off loans quickly and timely while continuing to build credit!
Great service and price
MARTHA - Houston, TX
AWESOME!! ALMA AND ALL THE GIRLS ARE GREAT!
High rates but great customer service
Anthony - Austin, TX
The rates are too high. We won't be borrowing anymore from this company. Howeber, the customer service is great!
Shalitha W.
Shalitha W.
Jude C.
Alma C.
** Please, tell us about your AWESOME customer service experience with Alma. Thank you!
Alma C.
** Please, tell us about your AWESOME customer service experience with Alma. Thank you!
Jude C.
Jude C.
Jude C.
Jude C.
Alma C.
** Please, tell us about your AWESOME customer service experience with Alma. Thank you!
Jude C.
Shalitha W.
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
Shalitha W.
Jude C.
Jude C.
Alma C.
** Please, tell us about your AWESOME customer service experience with Alma. Thank you!
Jude C.
Jude C.
Jude C.
Jude C.
Jude C.
Click on the images below to view sample details for a 6 payment loan as required in Texas:
Click on the images below to view sample details for a 12 payment loan as required in Texas:
