Online Installment Loans in Texas
Looking for a Texas installment loan that’s easy to qualify for? Wise Loan offers no-hassle installment loans in Texas for people with all types of credit. Find out more about your options below and apply now for added benefits such as access to instant funding.
Get The Money You Need – When You Need It!
Our network of lenders will provide you with a top personal or installment loan to cover monthly expenses, accumulating debts, and more!
No matter where you are in Texas, Wise Loan can help you find the right installment loan for your needs. The cities we serve include:
Instant Loan Decision
Money in 24 Hours
Easy, Flexible Payment Terms
You can get installment loans online in Texas with funding within 24 hours or sooner if you qualify. Instant funding is an option for those that apply and are approved before 5:30 pm CT and who have a Visa or Mastercard debit card associated with their checking account. With instant funding, you can receive funds from the loan the same day the loan is approved. However, how fast you receive funds depends on your financial institution’s processes. Same-day funding may be possible if you apply before 11 am CT, and most other loans fund the next business day.
You don’t need excellent credit to get a Wise Loan loan, but you do need valid contact information and a bank account where you can receive your funds.
What you need for your application
Government-issued ID showing you reside in the state of Texas
A recent bank statement
A personal check or debit card associated with your account
Proof of income, such as a pay stub from your employer
How it Works
Getting an installment loan online is a simple, safe and secure three-step process.
Apply
Complete the quick online application for an installment loan in Texas. It takes less than a few minutes to complete our application process, and you generally get a response within minutes.
If you’re approved for the loan, your response will include terms to review. You’ll see how much you can borrow, how long you have to pay it back, the interest rate you’ll pay to borrow the funds and payment plan options. In Texas, our loan amounts range between $200.00 and $1,500.00 for first time customers and up to $3,500.00 for returning customers.
Accept Offer
Until you accept the offer, you haven’t borrowed the money and aren’t under obligation to make any payments. Once you accept the offer, the funding of your loan is initiated. The type of funding you select or qualify for will determine when your loan will be deposited into your bank account. While Wise Loan transfers funds the same day or next business day, it will depend on your bank policies as to when the funds become available.
Pay Back Your Loan
Online installment loans are typically broken into monthly, weekly or biweekly payments. Wise Loan makes it easy for you to set up automatic repayments and rewards positive payment history with cash-back rewards.
Take Control of Your Installment Loan Payment Terms
You’re not trapped in a payment agreement you can’t keep when you work with Wise Loan. Flexible payment options let you choose terms that work with your budget. Texas borrowers can choose from terms with payment schedules that last up to 12 months.
Get Cash-Back Rewards
For every $1,000 you borrow and pay back on time and as agreed, you can get $10 to $50 deposited into your Nest Egg account with Wise Loan.
WHAT OUR CUSTOMERS HAVE TO SAY
Local Reviews for Texas
Reviews
Customers say: The reviews exhibit a positive overall sentiment, with recurring positive themes and sentiments. The majority of reviews express satisfaction with the company's services, highlighting helpfulness, professionalism, and excellent customer service. Positive reviews mention friendly and knowledgeable representatives, quick and easy loan processes, and positive experiences with loan workouts. Additionally, customers appreciate the company's willingness to help with their needs and the overall positive impression they have of Wise Loan. Negative sentiments, if present, are not a clear, recurring trend, and are outweighed by the positive feedback.
Great Service
mialczr -
Galveston, TX 77550
I had a issue & they help me through it no hassle.
Response from Wise Loan:
Mia, 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 hello@wiseloan.com. Best regards, Wise Loan
Great customer service
Kandis -
Wolfforth, TX 79382
Great
Response from Wise Loan:
Kandis, 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 hello@wiseloan.com. Best regards, Wise Loan
Great Service!
Sara -
Leander, TX 78641
Sheena did a great job answering my concerns and giving me her direct line !
Response from Wise Loan:
Sara, 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 hello@wiseloan.com. Best regards, Wise Loan
Great service!
Sara -
Leander, TX 78641
Sheena was so sweet and answered quickly with my questions thank you! She's great!
Response from Wise Loan:
Sara, 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 hello@wiseloan.com. Best regards, Wise Loan
Terrible every time I’ve called
Micha -
Amarillo, TX 79109
Five thumbs down!
Response from Wise Loan:
Micha, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. We will contact you within 24 hours; otherwise, do not hesitate to contact us directly at (800) 516-7840 or email us at hello@wiseloan.com. Best regards, The Call Center
great service & good prices
Arionna -
Arlington, TX 76015
Response from Wise Loan:
Arionna, 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 hello@wiseloan.com. Best regards, Wise Loan
Awesome Service!!
Ruthie -
Hockley, TX 77447
Wise Loan is the best.in the business I have used them a few years now. Always top notch! My representative ,Sheena U. was very professional kind and was a big help! The company and its staff strive on providing over the.top customer service!
Response from Wise Loan:
Ruthie, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent service
Fernando -
Lubbock, TX 79413
Lady Sheena Urgel she was extremely helpful polite her customer service was outstanding
Response from Wise Loan:
Fernando, 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 hello@wiseloan.com. Best regards, Wise Loan
Ecellent service
Loma -
Weatherford, TX 76086
Response from Wise Loan:
Loma, 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 hello@wiseloan.com. Best regards, Wise Loan
"Over the Top" AWESOME Service
Ruthie -
Hockley, TX 77447
Wise Loan definitely has Excellent Service!! From the first Loan representatives, with applications payments. And the workout team who help you if you need help with a missed payment! Mr. Jude and his fellow team member are awesome! Wise Loan is definitely one of the best loan companies in this market!
Response from Wise Loan:
Ruthie, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent customer service
Andrew -
Dallas, TX 75287
Willing to help with your needs
Response from Wise Loan:
Andrew, 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 hello@wiseloan.com. Best regards, Wise Loan
Good service
Nykisha -
Dallas, TX 75251
Response from Wise Loan:
Nykisha, 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 hello@wiseloan.com. Best regards, Wise Loan
Awesome
Sherry -
Harker Heights, TX 76548
Great for a quick loans and if your credit is less than perfect they will help you
Response from Wise Loan:
Sherry, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent Service
Eric -
North Richland Hills, TX 76117
Very detailed, offered honest answers, first time I’ve talked to someone that felt human and helpful.
Response from Wise Loan:
Eric, 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 hello@wiseloan.com. Best regards, Wise Loan
Excellent customer experience
Andrew -
Dallas, TX 75287
Thanks for all your help.
Response from Wise Loan:
Andrew, 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 hello@wiseloan.com. Best regards, Wise Loan
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FAQs About Texas Installment Loans
What is an installment loan?
An installment loan is an agreement to borrow a set amount of money and pay back the balance over a specific term. These payments are made on a regular basis on a fixed amount, meaning the borrower’s payment is the same each time. Common examples of installment loans include student loans, mortgages, vehicle loans and personal loans.
Where can I get an installment loan online?
If you live in the state of Texas, you can apply for an installment loan online with Wise Loan.
How many installment loans can you have?
There’s no real limit for how many installment loans you can have. Many people have more than one. For example, if you have a personal loan, an auto loan and a mortgage, you have three installment loans. However, you can only have one installment loan through Wise Loan at a time.
Can installment loans be paid off early?
Yes, you can pay your Texas installment loan with Wise Loan off early. Doing so may even help you save money.
What happens if I don't repay my installment loan on time?
If you don’t pay your installment loan on time, you may end up paying a late fee. Your creditor may also report the late payment to the credit bureaus, which can negatively impact your score.
What Will My Loan Cost?
A Wise Loan installment loan is an expensive form of credit and should be used only when necessary for emergency or unexpected expenses. Annual Percentage Rates (APRs) will differ depending on several factors. Quicker payoffs will result in lower rates. For more information, see an example repayment schedule of a Wise Loan.
Get an Installment Loan Today
You can get a Wise Loan installment loan with funding within 24 hours or faster if you qualify.
Terms and Conditions for Texas
Always read the full terms and conditions and privacy policy before accepting a loan. Essential Lending, Inc. dba Wise Loan, is not the lender in Texas, and we cannot guarantee that your application will result in a funded loan. Essential Lending Inc. is a credit services organization (CSO)/credit access business (CAB). We help you to obtain a loan from a lender at a simple interest rate of 10% per annum. For this service, we will charge a CSO fee. The amount of the fee that you will be charged is based on the amount of loan you receive from a lender and the number of payments you choose for repayment. You are not required to pay the fee upfront, or in one lump sum. Each repayment amount will include a portion of the CSO fee, and you can save money by paying off your loan early. If any payment you make to Essential Lending or to the lender is returned for any reason, you will owe a returned item fee of $30. Please review the full terms and conditions and privacy policy for more information. Rates are calculated using the simple interest method. The APR shown on your loan documents will include the total of the lender interest and the CSO fee, and may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.
OCCC Consumer Credit Notice
In Texas, Essential Lending, Inc. dba Wise Loan, is a registered Texas Credit Services Organization and a licensed Credit Access Bureau, operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined by the State of Texas – Office of the Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems: Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207 (800) 516-7840, consumer.complaints@occc.state.tx.us, http://www.occc.state.tx.us.
Texas Regulatory Contact Information
Office of Consumer Credit Commissioner. 2601 North Lamar Boulevard, Austin, TX 78705-4207. Phone: (800) 516-7840. Email: consumer.complaints@occc.state.tx.us
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.