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:
- $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
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 |
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
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Great service
VANESSA - San Antonio, TX
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
GREAT CUSTOMER SERVICE
GARY - Killeen, TX
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
Always helpful. always courteous!
ANN - Austin, TX
Did a great job
TINA - San Antonio, TX
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
Awesome Customer Service.
DONNA - Montgomery, TX
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
Great service.
AMELIA - Dallas, TX
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
Great Service
LUANA - Houston, TX
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
Great help!
ELIZABETH - Austin, TX
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
Awesome Service
RUTHIE - Katy, TX
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
Awesome
AMANDA - Houston, TX
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
DEMETRICE - Houston, TX
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!
KELA - Mansfield, TX
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
DINELLE - Plano, TX
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.
SHARLENE - Houston, TX
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
ALVINA - Conroe, TX
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
NICHAEL - Irving, TX
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!
JOHN - Dallas, TX
Great service
RASHEDA - Fort Worth, TX
Awesome attitude
Speedy and awesome customer service
MONICA - Cedar Hill, TX
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
BILLY - Dallas, TX
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.
ROBBY G.
Jude C.
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😊
Jude C.
Jude C.
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😊
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😊
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😊
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😊
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😊
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😊
Jude C.
Jude C.
Jude C.
ROBBY G.
ROBBY G.
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😊
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😊
Jude C.
ROBBY G.
Jude C.
Jude C.
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😊
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😊
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😊
ROBBY G.