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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
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,,

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