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Loan Terms and Conditions Texas

Welcome Texas Customer!

Loan Amount : $200 – $1,500

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
 101010
 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 CAB License

Texas CSO License

 

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 253 customer reviews

Map of Denton, TX

Excellent Customer Service!




Review of Wise Loan

Jude is always helpful and quick to help!


Map of Houston, TX

Very personable. Great service




Review of Wise Loan


Map of Spring, TX

superior customer service




Review of Wise Loan

always very helpful and considerate of account payments


Map of Arlington, TX

Compassionate, Service




Review of Wise Loan

Jude was considerate, understanding, and willing to assist me. I appreciated his assistance.


Map of Clodine, TX

Bob "great service"




Review of Wise Loan

Cool, calm, awesome...


Map of Plano, TX

great service!!!




Review of Wise Loan

they have worked with me enthusiastically over the past few months while ive had financial issues paying back loan. i love these guys!


Map of Denton, TX

Excellent Customer Service




Review of Wise Loan

Jude is always helpful and friendly.


Map of Dallas, TX

Friendly great service!




Review of Wise Loan

Wait time was short, representative was super friendly and helpful!


Map of Amarillo, TX

Great Service!!!




Review of Wise Loan

Alma has always been gracious and explains things where I can understand !


Map of Temple, TX

Great communication due to deaf/hearing impaired.




Review of Wise Loan

I want to thank-you from the bottom of my heart, bless you and be safe.


Very Satisfied




Review of Wise Loan

Jude was a very nice gentleman and I took care of me and very considerate and went out his way to help me out


Great service and polite.




Review of Wise Loan

Problem resolved.


Awesome!!




Review of Wise Loan

Alma is the BEST! Very professional and knowledgeable.


Good and informative




Review of Wise Loan


VERY HELPFUL AND PROFESSIONAL




Review of Wise Loan

Jude helped me with my loan payment options, while being very helpful. My concerns were resolved in a timely manner. I truly appreciate Jude's help!!


Great service




Review of Wise Loan

The girl who initially answered the phone was dry and rude but she transferred me to Jude and I had an amazing experience. He did an amazing job at explaining any issues and helped me get everything back in order!


Great Service




Review of Wise Loan

Alima, was a prompt on my service with Wise Loan she rocks! Customer Service was great


Very informative customer service




Review of Wise Loan


Over and Above Excellent Customer Assistance




Review of Wise Loan

From start of loan to early payoff, I have had noting but a positive experience. When I needed the loan I had various options as they were all explained and I agreed. I was able to pay a lump sum on my loan but I was actually offered a discount that I could not refuse. Each representative that I have ever spoken with, A-1 customer service. The young man who assisted me with several options to payoff was nothing short of excellence. I thank Wise Loan and the staff associated to assist me in my time of need. I especially thank Olga and Jude, thank you, and you are "all"appreciated.


Great Service




Review of Wise Loan

great way to do business ask for a reduction made me a offer i couldn’t refuse


Jude C.

Jude C.

Near Grapevine, TX 76051
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Fort Worth, TX 76105
Jude C.

Jude C.

Near Burleson, TX 76028
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near San Antonio, TX 78251
Jude C.

Jude C.

Near Brownsville, TX 78526
Jude C.

Jude C.

Near San Antonio, TX 78249
Jude C.

Jude C.

Near Helotes, TX 78023
Jude C.

Jude C.

Near Spring, TX 77379
Jude C.

Jude C.

Near Midland, TX 79705
Jude C.

Jude C.

Near Benbrook, TX 76132
Jude C.

Jude C.

Near Jarrell, TX 76537
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Galveston, TX 77551
Jude C.

Jude C.

Near Houston, TX 77007
Jude C.

Jude C.

Near San Antonio, TX 78253
Jude C.

Jude C.

Near Dallas, TX 75214
Jude C.

Jude C.

Near Houston, TX 77061
Jude C.

Jude C.

Near Dallas, TX 75219
Jude C.

Jude C.

Near Denton, TX 76209
Jude C.

Jude C.

Near Houston, TX 77078
Jude C.

Jude C.

Near Fresno, TX 77545
Jude C.

Jude C.

Near Dallas, TX 75228
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Houston, TX 77022
Jude C.

Jude C.

Near Irving, TX 75039
Jude C.

Jude C.

Near Houston, TX 77004
Jude C.

Jude C.

Near San Antonio, TX 78251
Jude C.

Jude C.

Near College Station, TX 77845
Jude C.

Jude C.

Near Dallas, TX 75219
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near San Antonio, TX 78251
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Carrollton, TX 75010

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: