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
Local Reviews
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Powered by Nearby Now
Great service
LISA - Manor, TX 78653
He was helpful, informative and extremely polite.
Great service
JORDAN - Weatherford, TX 76088
Response from Wise Loan:
Jordan, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to assist. Please do not hesitate to reach out if you have any questions at [email protected] Best regards. -Wise Loan
Payment
ERICA - San Antonio, TX 78251
Jude C was fast and efficient in helping me with my bill. His customer service was excellent.
Response from Wise Loan:
Erica, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers. We're so glad we were able to provide you with excellent customer service. Please don't hesitate to reach out if you need assistance, by contacting: [email protected] Best regards. -Wise Loan
Awesome
STACEY - Katy, TX 77493
Robby with wise loan really helped me get back on track. Most loan co don't care if something happened to you and you need help, this was very different I will keep them as my quick loan guide.
Response from Wise Loan:
Stacey, thank you for sharing your review. At Wise Loan, we strive to go the extra mile to support our customers. It's wonderful to help you get back on track. Please don't hesitate to reach out to us, if you have any further questions, by emailing [email protected] Best regards. -Wise Loan
Excellent service
APRIL - San Antonio, TX 78209
The representative had excellent customers skills very helpful and helping me for my needs I would highly recommend him thank you for a great service
Response from Wise Loan:
April, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile and are so glad we were able to assist you. If you have any questions in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Great customer service
JC - Austin, TX 78732
Response from Wise Loan:
JC, thank you for sharing your experience. We're so glad to have helped you with great customer service. At Wise Loan, we strive to go the extra mile to assist you. Please do not hesitate to reach out to [email protected] or call 800.516.7840. Best regards. -Wise Loan
Five Star
CHRISTOPHER - Edinburg, TX 78539
Customer service is great. They really go above and beyond to work with you on a loan and throughout the process. Highly recommend Wise Loan.
Response from Wise Loan:
Christopher, thank you for sharing your experience. We're so thankful for your input and are here for any of your needs. Please reach out to [email protected] for assistance should you have any future questions. Best regards. -Wise Loan
Nothing but the best service
DANIEL - Temple, TX 76502
Helped my reschedule payments to get back on track really helpful
Response from Wise Loan:
Daniel, thank you for sharing your experience. We strive to go the extra mile for our customers and are so glad we were able to assist you and get your payments back on track. If you have any future questions, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Great and prompt service by Jude C
RYAN - Plano, TX 75075
Response from Wise Loan:
Ryan, thank you for sharing your experience. We strive to go the extra mile at Wise Loan and are glad we were able to provide you with great and prompt service. If you require assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Great dervice
MARGO - Houston, TX 77005
Response from Wise Loan:
Margo, thank you for sharing your experience. We strive to go the extra mile for our customers at Wise Loan. If you require assistance in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Awesome service
ORNELL - Houston, TX 77079
Great customer service
Response from Wise Loan:
Ornell, thank you for sharing your experience. We strive to go the extra mile for our customers and are glad we were able to provide you with great customer service. If you have any questions in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Perfect
ALBERT - Abilene, TX 79606
Response from Wise Loan:
Albert, thank you for sharing your experience. We strive to go the extra mile for our customers and are so glad you had a perfect experience. If there's anything we can assist you with in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Great service
DOUGLAS - Lancaster, TX 75146
Good
Response from Wise Loan:
Douglas, thank you for sharing your experience. We're so glad you received great service, as we strive to go the extra mile to support our customers. If you have any future questions or require assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Great Service
RUSSELL - Dallas, TX 75232
Robby is a great person to work with. He tries his best to understand what you're going through and to work with you.
Response from Wise Loan:
Russell, thank you for sharing your experience. We're strive to go the extra mile to assist our customers. If you require future assistance, please reach out to [email protected] Best regards. -Wise Loan
Great service
DERRICK - Carrollton, TX 75010
Jude was very helpful and professional.
Response from Wise Loan:
Derrick, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers and are so glad you received great service that was helpful and professional. If you have any future questions or need assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Fairly good service
OLGA - Houston, TX 77022
Response from Wise Loan:
Olga, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers. If there's anything we can do to assist you in the future, please reach out to [email protected] Best regards. -Wise Loan
Awesome
JOE - Houston, TX 77075
Response from Wise Loan:
Joe, thank you for sharing your experience. We're so glad it was awesome, as we strive to go the extra mile for our customers. If you need future assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan
Very Helpful
EVELYN - San Antonio, TX 78217
I was in a bind bc of recent death in our family and not only was Stillman kind and compassionate, he was also quick to help. I appreciated his quick resolution and helpful demeanor. Thank you Thank you Stillman. Truly appreciative!
Response from Wise Loan:
Evelyn, thank you for sharing your experience. Our condolences for the death of your loved one. If there's anything we can do to further support, you during this difficult time, please do not hesitate to reach out to [email protected] or call 800.516.7840. Best regards. -Wise Loan
Great service
EDNA - Laredo, TX 78045
Great service, willing to help me out when things were tough, very understanding and I was able to pay off the loan rather quickly. Definitely recommend to anyone who need that little extra cash
Response from Wise Loan:
Edna, thank you for taking the time to provide your experience. We're so glad you received a good service to help you pay off your loan. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected] Best regards, Wise Loan
Great service
TIFFANY - Beaumont, TX 77706
Robby worked with me with my past due payment due to a change in employment. Very friendly and empathic to my situation. I really appreciate thar he worked with me
Response from Wise Loan:
Tiffany, thank you for taking the time to provide your experience. We're so glad you received friendly and emphatic service to pay off your loan. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email [email protected] Best regards, Wise Loan
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