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 | 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 CSO License
Local Reviews
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Awesome!!
TIFFANY - Dallas, TX
Robby is very helpful and understanding. I really appreciate him for everything!
Wonderful customer service. Thank you so much Jude, for helping me with my account
TRACY - Fort Worth, TX
Great service
DESTINY - Sugar Land, TX
Service is good
PATRICIA - Garland, TX
Great service
JESSICA - Pflugerville, TX
Jude was very helpful
GUADALUPE - San Antonio, TX
very fast service
ROCHENE - Humble, TX
very helpfull
Great service
DEBBIE - Killeen, TX
Jude was polite, compassionate and super efficient when I called to set up skipping a payment. Sincerity doesn't seem to exist anymore but he gives me hope!
Great service
CHERYL - Round Rock, TX
Great service
LAWRENCE - Houston, TX
Great service
SELINA - Spring, TX
Always a womderful experience
Jude great help
NORMAN - Waco, TX
He was very helpful in every way
JESSE - Houston, TX
Great service
JESSICA - Pflugerville, TX
Jude is always helpful!
Great service
CLINTON - Cypress, TX
Great experience
Not Good
LATRAIL - Baytown, TX
Awesome
MARIA - La Vernia, TX
Very helpful and kind
Great People
BRIAN - Burleson, TX
They work with you
Great Customer Service
MATTICE - Houston, TX
AWESOME CUSTOMER SERVICE
JASMINE - Houston, TX
Jude was very friendly, accommodating and swift!! I was put at ease, and I’m glad I called when I was late!
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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 of 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