Instant Loan Decision

Money in 24 Hours

Easy, Flexible Payment Terms

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
for Houston,Fort Worth,Dallas,San Antonio,El Paso,Arlington,Austin,Katy,Amarillo,Garland,North Richland Hills,Round Rock,Spring,Grand Prairie,League City,Lubbock,Irving,Pflugerville,Sugar Land,Beaumont,Brownsville,Leander,Waco,Allen,Cedar Hill,Converse,Cypress,Humble,Mesquite,Texarkana,Corpus Christi,Ennis,Fresno,Killeen,Lancaster,Lewisville,McAllen,McKinney,Missouri City,Pasadena,Bryan,Carrollton,Cedar Park,Copperas Cove,DeSoto,Frisco,Harlingen,Lufkin,Mansfield,New Braunfels,Temple,Tyler,Waxahachie,Wichita Falls,Aubrey,Baytown,Euless,Glenn Heights,Granite Shoals,La Porte,Manvel,McGregor,Milano,Nevada,Pearland,Seagoville,Tomball,Bedford,Benbrook,Big Spring,Bogata,Burleson,Denton,Dickinson,Donna,Floresville,Ft Worth,Galveston,Hereford,Hillsboro,Horizon City,Hudson Oaks,Hutto,Keller,Kerrville,Laneville,Laredo,Liberty Hill,Los Fresnos,Manor,Midland,Midlothian,Murphy,Nacogdoches,Odessa,Paris,Plano,Prairie View,Quinlan,Richmond,Roanoke,San Angelo,San Benito,Seguin,Sweeny,Texas City,Weatherford,Weslaco,Abilene,Aledo,Alpine,Alvarado,Ames,Angleton,Atlanta,Avinger,Azle,Beeville,Blanco,Blue Ridge,Bonham,BROOKSIDE VL,Bruceville,Buda,Calvert,Canyon,Cedar Creek,Chireno,Christoval,Cleburne,Clodine,College Station,Commerce,Conroe,Cotulla,Crowley,Dalhart,Deer Park,Duncanville,Edinburg,Elgin,Elsa,ENCHANTED OAK,Fair Oaks Ranch,Fischer,Forest Hill,Fredericksburg,Friendswood,Gatesville,Georgetown,Granbury,Grapevine,Haltom City,Harker Heights,Helotes,Highlands,Hurst,Indianola,Iola,Jacksboro,Jacksonville,Jarrell,Joshua,Karnack,Kingsbury,Krum,La Vernia,Lamesa,Longview,Lucas,Luling,Mabank,Marshall,Mart,Maxwell,Montgomery,Mount Pleasant,New Caney,Newton,Olney,Overton,Paige,Pharr,Ponder,Port Isabel,Quanah,Rhome,Richardson,Richland Hills,Riviera,Rogers,Rosharon,Rowlett,Royse City,Saginaw,Salado,San Juan,Sanger,Santa Rosa,Seymour,Sinton,Somerville,Splendora,Stafford,Stockdale,Taft,Talco,Taylor,Terrell,The Colony,The Woodlands,Trophy Club,Troup,Universal City,Victoria,Von Ormy,Wolfe City,Woodway, TX

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