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Loan Terms and Conditions Texas

Welcome Texas Customer!

Loan Amount : $200 – $1,500

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 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 4.7 out of 5 stars based on 202 customer reviews

Map of Dallas, TX

My service




Review of Wise Loan

No time to


Map of Amarillo, TX

Usually great but this time horrible




Review of Wise Loan

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.


Map of Bedford, TX

Very easy to work with in all aspects




Review of Wise Loan

Very fair and reasonable to deal with. They are fair in their business practices and customer oriented.


Map of Cypress, TX

Great Service




Review of Wise Loan

Shay was very compassionate. She was also very informative.


Map of Houston, TX

Great and Kind




Review of Wise Loan

Awesome and great attitude


Map of Mansfield, TX

nice service




Review of Wise Loan

everything was ok


Map of Katy, TX

Great service




Review of Wise Loan

Didn't that a lot of time to complete loan process☺


Map of Houston, TX

Friendly rep




Review of Wise Loan

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


Map of Houston, TX

Great Service




Review of Wise Loan


Map of Beeville, TX

Slow on sending funds




Review of Wise Loan

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




Review of Wise Loan

He was very patient with me


Awesome customer service




Review of Wise Loan

Kam was super helpful and friendly!!


Great service




Review of Wise Loan


Great and prompt service.




Review of Wise Loan

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!




Review of Wise Loan

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




Review of Wise Loan

Great customer service


Great svc




Review of Wise Loan

Excellent CS


Great service! Awesome price!




Review of Wise Loan

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




Review of Wise Loan

AWESOME!! ALMA AND ALL THE GIRLS ARE GREAT!


High rates but great customer service




Review of Wise Loan

The rates are too high. We won't be borrowing anymore from this company. Howeber, the customer service is great!


Shalitha W.

Shalitha W.

Near Dallas, TX 75211
Shalitha W.

Shalitha W.

Near Houston, TX 77064
Jude C.

Jude C.

Near Dallas, TX 75240
Alma C.

Alma C.

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

Near San Antonio, TX 78254
Alma C.

Alma C.

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

Near Houston, TX 77065
Jude C.

Jude C.

Near Amarillo, TX 79120
Jude C.

Jude C.

Near Denton, TX 76207
Jude C.

Jude C.

Near Bedford, TX 76021
Jude C.

Jude C.

Near Brownsville, TX 78521
Alma C.

Alma C.

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

Near Cedar Park, TX 78613
Jude C.

Jude C.

Near El Paso, TX 79924
Shalitha W.

Shalitha W.

Near Houston, TX 77044
Jude C.

Jude C.

Near Keller, TX 76244
Jude C.

Jude C.

Near Houston, TX 77091
Jude C.

Jude C.

Near Dallas, TX 75244
Jude C.

Jude C.

Near Houston, TX 77008
Jude C.

Jude C.

Near Houston, TX 77076
Jude C.

Jude C.

Near Fort Worth, TX 76104
Jude C.

Jude C.

Near Killeen, TX 76549
Jude C.

Jude C.

Near Richmond, TX 77407
Jude C.

Jude C.

Near Abilene, TX 79605
Shalitha W.

Shalitha W.

Near Fresno, TX 77545
Jude C.

Jude C.

Near Hurst, TX 76053
Jude C.

Jude C.

Near Converse, TX 78109
Alma C.

Alma C.

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

Near Denton, TX 76207
Jude C.

Jude C.

Near Dallas, TX 75217
Jude C.

Jude C.

Near Austin, TX 78745
Jude C.

Jude C.

Near Lewisville, TX 75056
Jude C.

Jude C.

Near El Paso, TX 79902
Jude C.

Jude C.

Near Houston, TX 77091

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: