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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:

Loan Terms and Conditions Texas

Welcome, Texas Customer!

Loan Amount : $200 – $3,500

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
 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

 

Texas CAB License

Texas CSO License

 

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 410 customer reviews

Map of Katy, TX

Great Customer Service




Review of Wise Loan

I have "THE" BEST Customer Service Representative...Mr. Robbie G. He is just AWESOME. No inconsiderate and ugly conversation if you need help with a payment, or different arrangements! So understanding and helpful! Treats you like a human being, and not just an account on a computer screen! My advice to potential clients, call WiseI You won't believe the service!


Response from Wise Loan:

Ruthie, thank you for sharing your experience. We appreciate the time you took to complete this review and give a shout out to one of our team members! Please let us know if there's anything we can do for you in the future. In the meantime, tell your family and friends about Wise Loan and how we helped you! Have a fantastic day! -Wise Loan


Map of Beaumont, TX

Service is very good




Review of Wise Loan


Response from Wise Loan:

Leonard, thank you for sharing your experience. We're so happy to hear the service was good. One of our goals is to be a transparent advocate to make our customers' financial lives better. We appreciate your business and hope you'll tell your friends and family about us. In the meantime, if there's anything else we can do for you, please don't hesitate to reach out- 800.516.7840. Best regards! -Wise Loan


Map of Houston, TX

Great Service




Review of Wise Loan

I appreciate Jude’s quick and easy help today! If there’s a way to reward with a bonus or gift card, please do!


Response from Wise Loan:

Sarah, thank you for sharing your experience. We strive to go the extra mile for our customers by being a transparent advocate. If you need any assistance in the future, please reach out to our team. Best regards. - Wise Loan


Map of Killeen, TX

I love the plan and they work with you




Review of Wise Loan


Response from Wise Loan:

Phelsette, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840. Best regards, Wise Loan


Map of Port Isabel, TX

Friendly




Review of Wise Loan

Quick and to the point


Response from Wise Loan:

Steven, thank you for providing your experience. At Wise Loan, we strive to go to the extra mile. If you have any future needs, please reach out to us- (800) 516-7840. Thank you. -Wise Loan


Map of Spring, TX

always a pleasure making my payment with Jude




Review of Wise Loan

Awsome Customer service


Response from Wise Loan:

Selina, thank you for providing your review. At Wise Loan, we always strive to go the extra mile, and we are pleased to know you had an awesome experience. If there's anything we can do for you in the future, please reach out to our call center at 800.516.7840. Thank you. -Wise Loan


Map of Houston, TX

Always great customer service with Jude !




Review of Wise Loan


Response from Wise Loan:

Meshezabeel, thank you for providing feedback on your experience. We appreciate the time you took share your opinion. If there's anything we can do for you in the future, please reach out to our team- 800.516.7840. Thank you. -Wise Loan


Map of Arlington, TX

Great service !!




Review of Wise Loan


Response from Wise Loan:

Leonela, thank you for taking the time to review your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at 800.516.7840. Thank you. -Wise Loan


Map of Houston, TX

Great customer service




Review of Wise Loan

Robby was great . He was professional and extremely patient and helpful always .


Response from Wise Loan:

Kellie, thank you for sharing your experience. At Wise Loan, we always strive to make the extra mile crowded. If you have any further questions, please reach out to our call center at 800.516.7840. Thank you. -Wise Loan


Map of Houston, TX

Quick and great




Review of Wise Loan

Great quick customer service


Response from Wise Loan:

Alecia, thank you for informing us of your experience. We are always happy to go the extra mile for our customers. If you have any future needs, please don't hesitate to contact our call center at 800.516.7840. Thank you. -Wise Loan


Great customer service.




Review of Wise Loan

Staff are very understanding and willing to work with you on payment options.


Response from Wise Loan:

Betty, thank you for your feedback. We love to hear out customers had a great experience with our staff. If you have any more questions or need assistance in the future, please give us a call at 800.516.7840. Thank you. -Wise Loan


excellent customer service




Review of Wise Loan


Great and awesome service




Review of Wise Loan

Jude is a very good attentive employee that you have. I really appreciate his Customer service.


The interest on the loan is too hard




Review of Wise Loan

The interest on the loan is too high


Jude




Review of Wise Loan

Jude was great,cuts to the chase great customer service.


Thank You




Review of Wise Loan

I am severely behind on my loan payment and would love to bring my account current. I have had a rough couple of months after a car accident, but have every intention of paying off the loan. Thank you for trying to help me.


Great Sevice




Review of Wise Loan

Robby has been extremely nice and helpful. I appreciate his great customer service. He was a pleasure to work with.


Great service!!




Review of Wise Loan

Excellent customer service


Great service




Review of Wise Loan

Very helpful while goin thru COVID


Great customer service




Review of Wise Loan

Jude is a great employee and you need more employees like him. He responds to my needs my questions in a timely manner and he show concerns for the customer. Great job for Jude. Thanks


ROBBY G.

ROBBY G.

Near Katy, TX 77449
Jude C.

Jude C.

Near Spring, TX 77380
Jude C.

Jude C.

Near Edinburg, TX 78542
Jude C.

Jude C.

Near Pflugerville, TX 78660
Jude C.

Jude C.

Near Plano, TX 75023
ROBBY G.

ROBBY G.

Near Houston, TX 77072
ROBBY G.

ROBBY G.

Near Fort Worth, TX 76119
ROBBY G.

ROBBY G.

Near Katy, TX 77449
ROBBY G.

ROBBY G.

Near Dallas, TX 75254
ROBBY G.

ROBBY G.

Near Beaumont, TX 77707
ROBBY G.

ROBBY G.

Near Saginaw, TX 76131
Jude C.

Jude C.

Near Spring, TX 77379
Jude C.

Jude C.

Near Houston, TX 77084
Jude C.

Jude C.

Near Bedford, TX 76021
Jude C.

Jude C.

Near Saginaw, TX 76131
Jude C.

Jude C.

Near Burleson, TX 76028
Jude C.

Jude C.

Near Houston, TX 77066
ROBBY G.

ROBBY G.

Near Dallas, TX 75228
ROBBY G.

ROBBY G.

Near Dallas, TX 75243
ROBBY G.

ROBBY G.

Near Arlington, TX 76017
ROBBY G.

ROBBY G.

Near San Angelo, TX 76903
ROBBY G.

ROBBY G.

Near El Paso, TX 79928
ROBBY G.

ROBBY G.

Near Houston, TX 77042
ROBBY G.

ROBBY G.

Near Dallas, TX 75254
Jackie C.

Jackie C.

Near Azle, TX 76020
Jude C.

Jude C.

Near Houston, TX 77042
Jude C.

Jude C.

Near Houston, TX 77056
Jude C.

Jude C.

Near Houston, TX 77039
Jude C.

Jude C.

Near DeSoto, TX 75115
Jude C.

Jude C.

Near Dallas, TX 75212