Loan Terms and Conditions Texas
Welcome Texas Customer!
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 | 612.19% | 708.66% | 612.16% |
Total Loan Repayment | $1338.75 | $2396.45 | $2677.73 |
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: consumer.complaints@occc.texas.gov.
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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Sandra - Temple, TX
I want to thank-you from the bottom of my heart, bless you and be safe.
Very Satisfied
CHASSITY - Spring, TX
Jude was a very nice gentleman and I took care of me and very considerate and went out his way to help me out
Great service and polite.
DORIS - Garland, TX
Problem resolved.
Awesome!!
Kelly - Dallas, TX
Alma is the BEST! Very professional and knowledgeable.
Good and informative
Kevin - Jarrell, TX
VERY HELPFUL AND PROFESSIONAL
THERESSA - Denton, TX
Jude helped me with my loan payment options, while being very helpful. My concerns were resolved in a timely manner. I truly appreciate Jude's help!!
Great service
EBTESSAM - Houston, TX
The girl who initially answered the phone was dry and rude but she transferred me to Jude and I had an amazing experience. He did an amazing job at explaining any issues and helped me get everything back in order!
Great Service
Nicole - Austin, TX
Alima, was a prompt on my service with Wise Loan she rocks! Customer Service was great
Very informative customer service
TARYN - Pearland, TX
Over and Above Excellent Customer Assistance
LP - Houston, TX
From start of loan to early payoff, I have had noting but a positive experience. When I needed the loan I had various options as they were all explained and I agreed. I was able to pay a lump sum on my loan but I was actually offered a discount that I could not refuse. Each representative that I have ever spoken with, A-1 customer service. The young man who assisted me with several options to payoff was nothing short of excellence. I thank Wise Loan and the staff associated to assist me in my time of need. I especially thank Olga and Jude, thank you, and you are "all"appreciated.
Great Service
ERIN - Houston, TX
great way to do business ask for a reduction made me a offer i couldn’t refuse
Great Service
Michelle - Austin, TX
Alma is professional and personable. She extended excellence.
Awesome and Very Professional
KELLY - Dallas, TX
Great Service
KATHERINE - Fort Worth, TX
She was so sweet! Absolutely made my day
Awesome Customer Service!! Very Helpful!! Solved my problem for me!! Outstanding!!
TAMMY - Dallas, TX
Awesome Service
ALEJANDRO - El Paso, TX
Thank you Alma and Wise Loan for your help on my loan. Everything was quick and easy and got me the funds that I needed.
Great service
LEE - Cleburne, TX
She was so kind and helpful to my problem. I really appreciated everything she did.
Perfect!
BRANDON - Midland, TX
She was extremely helpful
LEE - Cleburne, TX
She answered all my questions and helped me through my problem. She was really nice.
Great service!
KENNY - Dallas, TX
Alma was patient, kind and understanding.
Jude C.
Jude C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Jude C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Jude C.
Jude C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Jude C.
Jude C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Jude C.
Jude C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Jude C.
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Alma C.
Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!
Jude C.
Jude C.
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 of the estimated costs associated with Installment Loans of the following amounts:
- $500 Installment Loan – 5 Monthly Installments (Opens in PDF)
- $500 Installment Loan – 10 Biweekly Installments (Opens in PDF)
- $800 Installment Loan – 5 Monthly Installments (Opens in PDF)
- $800 Installment Loan – 10 Biweekly Installments (Opens in PDF)
- $1000 Installment Loan – 5 Monthly Installments (Opens in PDF)
- $1000 Installment Loan – 10 Biweekly Installments (Opens in PDF)
- Fee Schedule