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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 478 customer reviews

Map of Manor, TX 78653

Great service




Review of Wise Loan

He was helpful, informative and extremely polite.

ManorTX78653 30.3325-97.5475

Map of Weatherford, TX 76088

Great service




Review of Wise Loan

WeatherfordTX76088 32.85-97.9375

Response from Wise Loan:

Jordan, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile to assist. Please do not hesitate to reach out if you have any questions at [email protected] Best regards. -Wise Loan


Map of San Antonio, TX 78251

Payment




Review of Wise Loan

Jude C was fast and efficient in helping me with my bill. His customer service was excellent.

San AntonioTX78251 29.465-98.6775

Response from Wise Loan:

Erica, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers. We're so glad we were able to provide you with excellent customer service. Please don't hesitate to reach out if you need assistance, by contacting: [email protected] Best regards. -Wise Loan


Map of Katy, TX 77493

Awesome




Review of Wise Loan

Robby with wise loan really helped me get back on track. Most loan co don't care if something happened to you and you need help, this was very different I will keep them as my quick loan guide.

KatyTX77493 29.8675-95.835

Response from Wise Loan:

Stacey, thank you for sharing your review. At Wise Loan, we strive to go the extra mile to support our customers. It's wonderful to help you get back on track. Please don't hesitate to reach out to us, if you have any further questions, by emailing [email protected] Best regards. -Wise Loan


Map of San Antonio, TX 78209

Excellent service




Review of Wise Loan

The representative had excellent customers skills very helpful and helping me for my needs I would highly recommend him thank you for a great service

San AntonioTX78209 29.485-98.4525

Response from Wise Loan:

April, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile and are so glad we were able to assist you. If you have any questions in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Map of Austin, TX 78732

Great customer service




Review of Wise Loan

AustinTX78732 30.38-97.8925

Response from Wise Loan:

JC, thank you for sharing your experience. We're so glad to have helped you with great customer service. At Wise Loan, we strive to go the extra mile to assist you. Please do not hesitate to reach out to [email protected] or call 800.516.7840. Best regards. -Wise Loan


Map of Edinburg, TX 78539

Five Star




Review of Wise Loan

Customer service is great. They really go above and beyond to work with you on a loan and throughout the process. Highly recommend Wise Loan.

EdinburgTX78539 26.2675-98.1875

Response from Wise Loan:

Christopher, thank you for sharing your experience. We're so thankful for your input and are here for any of your needs. Please reach out to [email protected] for assistance should you have any future questions. Best regards. -Wise Loan


Map of Temple, TX 76502

Nothing but the best service




Review of Wise Loan

Helped my reschedule payments to get back on track really helpful

TempleTX76502 31.1175-97.4175

Response from Wise Loan:

Daniel, thank you for sharing your experience. We strive to go the extra mile for our customers and are so glad we were able to assist you and get your payments back on track. If you have any future questions, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Map of Plano, TX 75075

Great and prompt service by Jude C




Review of Wise Loan

PlanoTX75075 33.02-96.7375

Response from Wise Loan:

Ryan, thank you for sharing your experience. We strive to go the extra mile at Wise Loan and are glad we were able to provide you with great and prompt service. If you require assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Map of Houston, TX 77005

Great dervice




Review of Wise Loan

HoustonTX77005 29.7175-95.43

Response from Wise Loan:

Margo, thank you for sharing your experience. We strive to go the extra mile for our customers at Wise Loan. If you require assistance in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Awesome service




Review of Wise Loan

Great customer service

HoustonTX77079 29.78-95.61

Response from Wise Loan:

Ornell, thank you for sharing your experience. We strive to go the extra mile for our customers and are glad we were able to provide you with great customer service. If you have any questions in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Perfect




Review of Wise Loan

AbileneTX79606 32.355-99.835

Response from Wise Loan:

Albert, thank you for sharing your experience. We strive to go the extra mile for our customers and are so glad you had a perfect experience. If there's anything we can assist you with in the future, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Great service




Review of Wise Loan

Good

LancasterTX75146 32.57-96.76

Response from Wise Loan:

Douglas, thank you for sharing your experience. We're so glad you received great service, as we strive to go the extra mile to support our customers. If you have any future questions or require assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Great Service




Review of Wise Loan

Robby is a great person to work with. He tries his best to understand what you're going through and to work with you.

DallasTX75232 32.655-96.845

Response from Wise Loan:

Russell, thank you for sharing your experience. We're strive to go the extra mile to assist our customers. If you require future assistance, please reach out to [email protected] Best regards. -Wise Loan


Great service




Review of Wise Loan

Jude was very helpful and professional.

CarrolltonTX75010 33.0275-96.9275

Response from Wise Loan:

Derrick, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers and are so glad you received great service that was helpful and professional. If you have any future questions or need assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Fairly good service




Review of Wise Loan

HoustonTX77022 29.82-95.3875

Response from Wise Loan:

Olga, thank you for sharing your experience. At Wise Loan, we strive to go the extra mile for our customers. If there's anything we can do to assist you in the future, please reach out to [email protected] Best regards. -Wise Loan


Awesome




Review of Wise Loan

HoustonTX77075 29.62-95.2625

Response from Wise Loan:

Joe, thank you for sharing your experience. We're so glad it was awesome, as we strive to go the extra mile for our customers. If you need future assistance, please don't hesitate to reach out to [email protected] Best regards. -Wise Loan


Very Helpful




Review of Wise Loan

I was in a bind bc of recent death in our family and not only was Stillman kind and compassionate, he was also quick to help. I appreciated his quick resolution and helpful demeanor. Thank you Thank you Stillman. Truly appreciative!

San AntonioTX78217 29.58-98.3975

Response from Wise Loan:

Evelyn, thank you for sharing your experience. Our condolences for the death of your loved one. If there's anything we can do to further support, you during this difficult time, please do not hesitate to reach out to [email protected] or call 800.516.7840. Best regards. -Wise Loan


Great service




Review of Wise Loan

Great service, willing to help me out when things were tough, very understanding and I was able to pay off the loan rather quickly. Definitely recommend to anyone who need that little extra cash

LaredoTX78045 27.8175-99.6775

Response from Wise Loan:

Edna, thank you for taking the time to provide your experience. We're so glad you received a good service to help you pay off your loan. 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

Robby worked with me with my past due payment due to a change in employment. Very friendly and empathic to my situation. I really appreciate thar he worked with me

BeaumontTX77706 30.1-94.1675

Response from Wise Loan:

Tiffany, thank you for taking the time to provide your experience. We're so glad you received friendly and emphatic service to pay off your loan. 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


ROBBY G.

ROBBY G.

Near Montgomery, TX 77316
ROBBY G.

ROBBY G.

Near Houston, TX 77072
Jude C.

Jude C.

Near San Antonio, TX 78251
Jude C.

Jude C.

Near Tyler, TX 75703
Jude C.

Jude C.

Near Carrollton, TX 75006
Jude C.

Jude C.

Near Garland, TX 75041
Jude C.

Jude C.

Near Humble, TX 77339
ROBBY G.

ROBBY G.

Near Cypress, TX 77433
ROBBY G.

ROBBY G.

Near Horizon City, TX 79928
ROBBY G.

ROBBY G.

Near Grand Prairie, TX 75054
Jude C.

Jude C.

Near Cedar Park, TX 78613
Jude C.

Jude C.

Near Midland, TX 79707
Jude C.

Jude C.

Near San Antonio, TX 78223
Jude C.

Jude C.

Near Houston, TX 77027
Jude C.

Jude C.

Near Manor, TX 78653
Jude C.

Jude C.

Near San Antonio, TX 78230
ROBBY G.

ROBBY G.

Near Houston, TX 77038
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Fort Worth, TX 76109
Jude C.

Jude C.

Near Lancaster, TX 75134
ROBBY G.

ROBBY G.

Near Terrell, TX 75160
ROBBY G.

ROBBY G.

Near Humble, TX 77346
ROBBY G.

ROBBY G.

Near San Antonio, TX 78242
ROBBY G.

ROBBY G.

Near Austin, TX 78717
Jude C.

Jude C.

Near Dallas, TX 75204
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Plano, TX 75025
Jude C.

Jude C.

Near Victoria, TX 77901
Jude C.

Jude C.

Near Sugar Land, TX 77479
Jude C.

Jude C.

Near San Antonio, TX 78230