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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 the estimated costs associated with Installment Loans of the following amounts:

Loan Terms and Conditions Texas

Welcome, Texas Customer!

Loan Amount : $200 – $3,500

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
 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

 

Texas CAB License

Texas CSO License

 

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 638 customer reviews

Map of Katy, TX 77493

Awesome service




Review of Wise Loan

Great service

KatyTX77493 29.8775-95.7875

Response from Wise Loan:

Joseph, 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 or email [email protected]. Best regards, Wise Loan


Map of McKinney, TX 75070

Ms




Review of Wise Loan

Great customer service

McKinneyTX75070 33.16-96.68

Response from Wise Loan:

Timeka, 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 or email [email protected]. Best regards, Wise Loan


Map of Houston, TX 77054

Excellent Service




Review of Wise Loan

Agent was friendly, answered my questions & was able to take care of my reason for calling

HoustonTX77054 29.685-95.4

Response from Wise Loan:

Jacqueline, 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 or email [email protected]. Best regards, Wise Loan


Map of Grand Prairie, TX 75051

Excellent and kind service!!




Review of Wise Loan

Grand PrairieTX75051 32.7325-96.99

Response from Wise Loan:

Maricela, 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 or email [email protected]. Best regards, Wise Loan


Map of Irving, TX 75039

5 Stars




Review of Wise Loan

Robbie is the best fast and efficient

IrvingTX75039 32.8925-96.9475

Response from Wise Loan:

Kentrica, 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 or email [email protected]. Best regards, Wise Loan


Map of San Antonio, TX 78213

Excellent service!!




Review of Wise Loan

Thank you for working with me!

San AntonioTX78213 29.4975-98.5225

Response from Wise Loan:

Rosemary, 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 or email [email protected]. Best regards, Wise Loan


Map of Carrollton, TX 75010

Excellent work!




Review of Wise Loan

Robbie was great!!!

CarrolltonTX75010 33.0275-96.9275

Response from Wise Loan:

Richard, 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 or email [email protected]. Best regards, Wise Loan


Map of Cypress, TX 77433

Excellent Service




Review of Wise Loan

Robby is completely understandable about your situation and goes above and beyond to try to work with you on handling the matter where you are satisfied.

CypressTX77433 29.965-95.75

Response from Wise Loan:

Cheryl, 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 or email [email protected]. Best regards, Wise Loan


Map of Fort Worth, TX 76102

Excellent service




Review of Wise Loan

Robby was very helpful and detailed in assisting me with my pay off.

Fort WorthTX76102 32.7575-97.325

Response from Wise Loan:

Mcarthur, 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 or email [email protected]. Best regards, Wise Loan


Map of Garland, TX 75043

Consistently Excellent Service




Review of Wise Loan

I have been working with Jude for several months. He is extremely knowledgeable, personable, and professional. He takes time to ensure all my questions are answered completely and correctly. I’m truly impressed by his willingness to go above and beyond each time we speak.

GarlandTX75043 32.85-96.59

Response from Wise Loan:

Yolande, 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 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Rep was patience and explained everything to me about my loan

LewisvilleTX75067 33.01-96.985

Response from Wise Loan:

Tracey, 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 or email [email protected]. Best regards, Wise Loan


Great Service




Review of Wise Loan

Very kind and professional..

HoustonTX77014 29.98-95.44

Response from Wise Loan:

David, 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 or email [email protected]. Best regards, Wise Loan


Great service




Review of Wise Loan

HoustonTX77042 29.725-95.5575

Response from Wise Loan:

Cleo, 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 or email [email protected]. Best regards, Wise Loan


Muy bien servicio




Review of Wise Loan

KatyTX77449 29.825-95.75

Response from Wise Loan:

Edgar, 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 or email [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

DonnaTX78537 26.2475-98.0725

Response from Wise Loan:

Juan, 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 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Awesome experience, would definitely recommend

San AntonioTX78251 29.465-98.6775

Response from Wise Loan:

Adriana, 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 or email [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

Excellent Customer Service. Olga was extremely helpful and courteous.

WeatherfordTX76088 32.81-97.8375

Response from Wise Loan:

Teresa, 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 or email [email protected]. Best regards, Wise Loan


Excelente 👌




Review of Wise Loan

EXCELLEN

HoustonTX77072 29.6975-95.5975

Response from Wise Loan:

Alexander, 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 or email [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Customer service was very polite, efficient and very helpful.

McKinneyTX75070 33.16-96.68

Response from Wise Loan:

Barbara, 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 or email [email protected]. Best regards, Wise Loan


Always professional




Review of Wise Loan

Professional, courteous, and friendly service!

GarlandTX75043 32.85-96.59

Response from Wise Loan:

Yolande, 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 or email [email protected]. Best regards, Wise Loan


Olga S.

Olga S.

Near Robin Ave, McAllen, TX 78504
Olga S.

Olga S.

Near Briar Glen Ct, Sugar Land, TX 77479
ROBBY G.

ROBBY G.

Near Harlingen, TX 78552
Olga S.

Olga S.

Near Plover St, Victoria, TX 77901
Olga S.

Olga S.

Near Westborough Dr, Katy, TX 77449
Olga S.

Olga S.

Near Greenridge Dr, Houston, TX 77057
Jude C.

Jude C.

Near Manor, TX 78653
Olga S.

Olga S.

Near W Thompson Pl, San Antonio, TX 78226
Olga S.

Olga S.

Near Burning Tree Ln, Missouri City, TX 77459
ROBBY G.

ROBBY G.

Near The Woodlands, TX 77375
ROBBY G.

ROBBY G.

Near Missouri City, TX 77459
Jude C.

Jude C.

Near Midland, TX 79705
Jude C.

Jude C.

Near Mesquite, TX 75150
ROBBY G.

ROBBY G.

Near McKinney, TX 75072
Trent T.

Trent T.

Hello, this is Trent, the person who assisted you today. Would you mind taking this survey about my performance today? Because we would know what high-quality services I provide to customers, it would be greatly appreciated.

Near E McKinney St, Denton, TX 76209
Jude C.

Jude C.

Near Edinburg, TX 78542
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Grand Prairie, TX 75051
Jude C.

Jude C.

Near Bedford, TX 76021
Jude C.

Jude C.

Near Round Rock, TX 78665
Jude C.

Jude C.

Near Garland, TX 75044
Jude C.

Jude C.

Near Austin, TX 78704
Olga S.

Olga S.

Near Dobbs Ave, Odessa, TX 79761
Olga S.

Olga S.

Near Murrelet Way, Pflugerville, TX 78660
Olga S.

Olga S.

Near Aspen St, Amarillo, TX 79106
Olga S.

Olga S.

Near Aspen St, Amarillo, TX 79106
Olga S.

Olga S.

Near Aspen St, Amarillo, TX 79106
Olga S.

Olga S.

Near E Meadows Blvd, Mesquite, TX 75150
Olga S.

Olga S.

Near W Spring Creek Pkwy, Plano, TX 75023
Olga S.

Olga S.

Near Roos Rd, Houston, TX 77074
ROBBY G.

ROBBY G.

Near Richmond, TX 77406