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Loan Terms and Conditions Texas Details

  • General

    These Terms and Conditions govern each credit application you submit to Essential Lending, Inc. (ELI) and each loan that you may obtain from ELI. Loans made to Texas residents are made by a third-party lender. The terms and conditions of any loan that you may obtain with our assistance are set forth in your loan agreement with the lender. ELI offers installment loans that are designed to help you with your immediate cash needs. ELI encourages you to borrow only what you need and what you are able to responsibly repay.

  • Privacy Policy and Changes to Privacy Policy

    ELI will handle your non-public personal information as described in our  Privacy Policy. We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy, we will notify you by providing you with the revised policy within the time frame required by applicable law.

  • Governing Law

    The transactions related to your credit application and any loan that you may obtain from ELI shall be governed by the laws of the State of Texas, regardless of where you may be viewing or accessing the ELI website.

  • Application Certification and Verification

    You certify that the information supplied by you on this website in or as part of your credit application is true, complete and correct. You authorize ELI, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request.
    You authorize ELI and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that ELI reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow ELI to verify any information that you provide.

  • Fair Credit Report Act Disclosure

    We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your loan may be reflected in your credit report.

  • Collection and Use of Bank Account and Other Information about You

    As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.

  • Contact and Marketing Preferences

    Your consent is voluntary, but we cannot process an application or make a loan to you if you do not consent to receive disclosures and notices concerning your account electronically, and while you can opt out of electronic marketing contact messages, you cannot opt out of disclosures and notices concerning your account.
    Your consent to receive electronic communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with your account your application for an Essential Lending product or service, and any loan product or service we agree to provide you.
    ELI may contact you by several contact methods, including but not limited to, writing to you via U.S. postal service and/or electronic mail and calling you via telephone at any address or number you provide to us. We may also contact you via text messaging or other mobile communication method, if you request or agree to this type of communication. We may use any one or all of these methods to contact you about the status or approval of your loan, inform you about special promotions, savings and services we believe may be of interest to you, to remind you of upcoming payments, and to communicate with you regarding collections and other issues related to your loan. If you have authorized ELI to do so, ELI may contact you using a predictive dialer or other automated telephone dialing device, or by pre-recorded message, during reasonable hours at any of the phone numbers which you provide to us.
    You may manage your contact information and preferences by calling us at (800) 516-7840, emailing us at [email protected] or changing your contact preferences on the ELI website.

  • Accuracy of Account Information

    We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please contact let us know. We will investigate your concerns and correct any information we determine to be inaccurate.
    You may change your information on your application or otherwise update your account information online by logging into to your account at www.wiseloan.com.

  • Additional Security Methods

    You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information. Do not share your login information with others. If you use this website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

  • Automatic Logging of Session Data

    ELI automatically logs generic information about your computer’s connection to the Internet, which is called “session data”. Session data consists of things such as IP address, operating system and type of browser software being used and the activities conducted by the user while on our site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor’s Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We may also use some session data, such as the pages you visited on our site, to send you e-mail unless you had previously opted out of receiving such messages.

  • Cookies and Online Advertising

    “Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. There are many myths circulating about cookies, but you should know that cookies are only read by the server that placed them, and are unable to do such things as run programs on your computer, plant viruses or harvest your personal information. The use of cookies is very common on the Internet and www.wiseloan.com’s use of cookies is similar to that of such sites as Expedia and Travelocity, as well as Google, CNN.com and other reputable online companies.

     

    First and foremost, you can rest assured that no personal information about you is gathered or stored in the cookies placed by the www.wiseloan.com and www.essentialending.com websites and, as a result, none can be passed on to any third parties.

    Cookies allow us to serve you better and more efficiently, and to personalize your experience at our site.

     

    A cookie may also be placed by our advertising server. Such cookies are used only for purposes of tracking the effectiveness of advertising served by us on our site and no personal information about you is gathered from you by the use of these cookies, nor is this information shared with any third parties. Similarly, a cookie may be placed by our third-party advertising companies. These companies may use aggregated statistics about your visits to this and other web sites in order to provide advertisements about travel-related goods and services that you may be interested in. The information they collect does not include your personal information.

     

    The third-party advertising companies may also employ technology that is used to measure the effectiveness of ads. Any such information is anonymous. They may use this anonymous information about your visits to this and other sites in order to provide advertisements about goods and services of potential interest to you. No personal information about you is collected during this process. The information is anonymous and does not link online actions to an identifiable person.

     

    Most web browsers automatically accept cookies. Of course, by changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. Essential Lending, Inc. supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking www.ozarkmvr.com cookies may disable certain features on our site and may make it impossible to purchase or use certain services available on the site. Please note that it is possible to block cookie activity from certain web sites while permitting cookies from sites you trust, like www.wiseloan.com.

     

     

  • Essential Lending Contact Information

    If you have any questions about the practices of the WiseLoan or Essential Lending websites, please contact us using the information found at www.wiseloan.com/contact-us.

     

    You understand that ELI will retain your credit application and the information you provide on this website in or as part of your credit application, whether or not we approve you for a loan.

    *following loan approval

Local Reviews
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Wise Loan Rated 4.8 out of 5 stars based on 410 customer reviews

Map of Katy, TX

Great Customer Service




Review of Wise Loan

I have "THE" BEST Customer Service Representative...Mr. Robbie G. He is just AWESOME. No inconsiderate and ugly conversation if you need help with a payment, or different arrangements! So understanding and helpful! Treats you like a human being, and not just an account on a computer screen! My advice to potential clients, call WiseI You won't believe the service!


Response from Wise Loan:

Ruthie, thank you for sharing your experience. We appreciate the time you took to complete this review and give a shout out to one of our team members! Please let us know if there's anything we can do for you in the future. In the meantime, tell your family and friends about Wise Loan and how we helped you! Have a fantastic day! -Wise Loan


Map of Beaumont, TX

Service is very good




Review of Wise Loan


Response from Wise Loan:

Leonard, thank you for sharing your experience. We're so happy to hear the service was good. One of our goals is to be a transparent advocate to make our customers' financial lives better. We appreciate your business and hope you'll tell your friends and family about us. In the meantime, if there's anything else we can do for you, please don't hesitate to reach out- 800.516.7840. Best regards! -Wise Loan


Map of Houston, TX

Great Service




Review of Wise Loan

I appreciate Jude’s quick and easy help today! If there’s a way to reward with a bonus or gift card, please do!


Response from Wise Loan:

Sarah, thank you for sharing your experience. We strive to go the extra mile for our customers by being a transparent advocate. If you need any assistance in the future, please reach out to our team. Best regards. - Wise Loan


Map of Killeen, TX

I love the plan and they work with you




Review of Wise Loan


Response from Wise Loan:

Phelsette, 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. Best regards, Wise Loan


Map of Port Isabel, TX

Friendly




Review of Wise Loan

Quick and to the point


Response from Wise Loan:

Steven, thank you for providing your experience. At Wise Loan, we strive to go to the extra mile. If you have any future needs, please reach out to us- (800) 516-7840. Thank you. -Wise Loan


Map of Spring, TX

always a pleasure making my payment with Jude




Review of Wise Loan

Awsome Customer service


Response from Wise Loan:

Selina, thank you for providing your review. At Wise Loan, we always strive to go the extra mile, and we are pleased to know you had an awesome experience. If there's anything we can do for you in the future, please reach out to our call center at 800.516.7840. Thank you. -Wise Loan


Map of Houston, TX

Always great customer service with Jude !




Review of Wise Loan


Response from Wise Loan:

Meshezabeel, thank you for providing feedback on your experience. We appreciate the time you took share your opinion. If there's anything we can do for you in the future, please reach out to our team- 800.516.7840. Thank you. -Wise Loan


Map of Arlington, TX

Great service !!




Review of Wise Loan


Response from Wise Loan:

Leonela, thank you for taking the time to review 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. Thank you. -Wise Loan


Map of Houston, TX

Great customer service




Review of Wise Loan

Robby was great . He was professional and extremely patient and helpful always .


Response from Wise Loan:

Kellie, thank you for sharing your experience. At Wise Loan, we always strive to make the extra mile crowded. If you have any further questions, please reach out to our call center at 800.516.7840. Thank you. -Wise Loan


Map of Houston, TX

Quick and great




Review of Wise Loan

Great quick customer service


Response from Wise Loan:

Alecia, thank you for informing us of your experience. We are always happy to go the extra mile for our customers. If you have any future needs, please don't hesitate to contact our call center at 800.516.7840. Thank you. -Wise Loan


Great customer service.




Review of Wise Loan

Staff are very understanding and willing to work with you on payment options.


Response from Wise Loan:

Betty, thank you for your feedback. We love to hear out customers had a great experience with our staff. If you have any more questions or need assistance in the future, please give us a call at 800.516.7840. Thank you. -Wise Loan


excellent customer service




Review of Wise Loan


Great and awesome service




Review of Wise Loan

Jude is a very good attentive employee that you have. I really appreciate his Customer service.


The interest on the loan is too hard




Review of Wise Loan

The interest on the loan is too high


Jude




Review of Wise Loan

Jude was great,cuts to the chase great customer service.


Thank You




Review of Wise Loan

I am severely behind on my loan payment and would love to bring my account current. I have had a rough couple of months after a car accident, but have every intention of paying off the loan. Thank you for trying to help me.


Great Sevice




Review of Wise Loan

Robby has been extremely nice and helpful. I appreciate his great customer service. He was a pleasure to work with.


Great service!!




Review of Wise Loan

Excellent customer service


Great service




Review of Wise Loan

Very helpful while goin thru COVID


Great customer service




Review of Wise Loan

Jude is a great employee and you need more employees like him. He responds to my needs my questions in a timely manner and he show concerns for the customer. Great job for Jude. Thanks


ROBBY G.

ROBBY G.

Near Katy, TX 77449
Jude C.

Jude C.

Near Spring, TX 77380
Jude C.

Jude C.

Near Edinburg, TX 78542
Jude C.

Jude C.

Near Pflugerville, TX 78660
Jude C.

Jude C.

Near Plano, TX 75023
ROBBY G.

ROBBY G.

Near Houston, TX 77072
ROBBY G.

ROBBY G.

Near Fort Worth, TX 76119
ROBBY G.

ROBBY G.

Near Katy, TX 77449
ROBBY G.

ROBBY G.

Near Dallas, TX 75254
ROBBY G.

ROBBY G.

Near Beaumont, TX 77707
ROBBY G.

ROBBY G.

Near Saginaw, TX 76131
Jude C.

Jude C.

Near Spring, TX 77379
Jude C.

Jude C.

Near Houston, TX 77084
Jude C.

Jude C.

Near Bedford, TX 76021
Jude C.

Jude C.

Near Saginaw, TX 76131
Jude C.

Jude C.

Near Burleson, TX 76028
Jude C.

Jude C.

Near Houston, TX 77066
ROBBY G.

ROBBY G.

Near Dallas, TX 75228
ROBBY G.

ROBBY G.

Near Dallas, TX 75243
ROBBY G.

ROBBY G.

Near Arlington, TX 76017
ROBBY G.

ROBBY G.

Near San Angelo, TX 76903
ROBBY G.

ROBBY G.

Near El Paso, TX 79928
ROBBY G.

ROBBY G.

Near Houston, TX 77042
ROBBY G.

ROBBY G.

Near Dallas, TX 75254
Jackie C.

Jackie C.

Near Azle, TX 76020
Jude C.

Jude C.

Near Houston, TX 77042
Jude C.

Jude C.

Near Houston, TX 77056
Jude C.

Jude C.

Near Houston, TX 77039
Jude C.

Jude C.

Near DeSoto, TX 75115
Jude C.

Jude C.

Near Dallas, TX 75212