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Loan Terms and Conditions Texas

Welcome Texas Customer!

Loan Amount : $200 – $1,500

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
 101010
 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 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 244 customer reviews

Map of Temple, TX

Great communication due to deaf/hearing impaired.




Review of Wise Loan

I want to thank-you from the bottom of my heart, bless you and be safe.


Map of Spring, TX

Very Satisfied




Review of Wise Loan

Jude was a very nice gentleman and I took care of me and very considerate and went out his way to help me out


Map of Garland, TX

Great service and polite.




Review of Wise Loan

Problem resolved.


Map of Dallas, TX

Awesome!!




Review of Wise Loan

Alma is the BEST! Very professional and knowledgeable.


Map of Jarrell, TX

Good and informative




Review of Wise Loan


Map of Denton, TX

VERY HELPFUL AND PROFESSIONAL




Review of Wise Loan

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!!


Map of Houston, TX

Great service




Review of Wise Loan

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!


Map of Austin, TX

Great Service




Review of Wise Loan

Alima, was a prompt on my service with Wise Loan she rocks! Customer Service was great


Map of Pearland, TX

Very informative customer service




Review of Wise Loan


Map of Houston, TX

Over and Above Excellent Customer Assistance




Review of Wise Loan

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




Review of Wise Loan

great way to do business ask for a reduction made me a offer i couldn’t refuse


Great Service




Review of Wise Loan

Alma is professional and personable. She extended excellence.


Awesome and Very Professional




Review of Wise Loan


Great Service




Review of Wise Loan

She was so sweet! Absolutely made my day


Awesome Customer Service!! Very Helpful!! Solved my problem for me!! Outstanding!!




Review of Wise Loan


Awesome Service




Review of Wise Loan

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




Review of Wise Loan

She was so kind and helpful to my problem. I really appreciated everything she did.


Perfect!




Review of Wise Loan


She was extremely helpful




Review of Wise Loan

She answered all my questions and helped me through my problem. She was really nice.


Great service!




Review of Wise Loan

Alma was patient, kind and understanding.


Jude C.

Jude C.

Near Fort Worth, TX 76104
Jude C.

Jude C.

Near Houston, TX 77022
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Houston, TX 77034
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Temple, TX 76502
Jude C.

Jude C.

Near Fort Worth, TX 76120
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near San Antonio, TX 78229
Jude C.

Jude C.

Near Spring, TX 77386
Jude C.

Jude C.

Near Garland, TX 75043
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Keller, TX 76244
Alma C.

Alma C.

Near Keller, TX 76244
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Fort Worth, TX 76107
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Terrell, TX 75160
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Cedar Hill, TX 75104
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Dallas, TX 75252
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Fresno, TX 77545
Jude C.

Jude C.

Near San Antonio, TX 78260
Jude C.

Jude C.

Near Dallas, TX 75204
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Dallas, TX 75226
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Arlington, TX 76014
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Jarrell, TX 76537
Jude C.

Jude C.

Near Leander, TX 78645
Jude C.

Jude C.

Near Denton, TX 76209
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Dallas, TX 75224
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Cleburne, TX 76031
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Abilene, TX 79606
Jude C.

Jude C.

Near Irving, TX 75038
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Grand Prairie, TX 75052
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Bryan, TX 77807
Jude C.

Jude C.

Near Dallas, TX 75211
Jude C.

Jude C.

Near Round Rock, TX 78665

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: