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 NowGreat Customer Service
RUTHIE - Katy, TX
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
Service is very good
LEONARD - Beaumont, TX
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
Great Service
SARAH - Houston, TX
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
I love the plan and they work with you
PHELSETTE - Killeen, TX
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
Friendly
STEVEN - Port Isabel, TX
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
always a pleasure making my payment with Jude
SELINA - Spring, TX
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
Always great customer service with Jude !
MESHEZABEEL - Houston, TX
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
Great service !!
LEONELA - Arlington, TX
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
Great customer service
KELLIE - Houston, TX
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
Quick and great
ALECIA - Houston, TX
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.
BETTY - San Antonio, TX
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
SHAWN - San Antonio, TX
Great and awesome service
GLENDA - Houston, TX
Jude is a very good attentive employee that you have. I really appreciate his Customer service.
The interest on the loan is too hard
CAROL - Houston, TX
The interest on the loan is too high
Jude
TINA - Arlington, TX
Jude was great,cuts to the chase great customer service.
Thank You
ASHLEY - Tyler, TX
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
KH - Dallas, TX
Robby has been extremely nice and helpful. I appreciate his great customer service. He was a pleasure to work with.
Great service!!
LACANDACE - Lancaster, TX
Excellent customer service
Great service
EDUARDO - Laredo, TX
Very helpful while goin thru COVID
Great customer service
GLENDA - Houston, TX
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
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