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Online Installment Loans in Texas

Wise Loan offers access to FAST, no-hassle online installment loans to people living in Texas. Wise Loan offers installment loans for bad credit and good credit. Approved applicants who have a valid checking account and contact information could see money deposited to their account within 24 hours. Wise Loan offers Cash Back Bonuses for timely loan payoffs. Apply now for an online installment loan!

  • How Much Can I Borrow From Wise Loan?

    In the state of Texas, Wise loan offers loan amounts between $200 – $3500. You don’t necessarily need to have good credit to be approved for a Wise Loan! Amounts, as well as approvals, are determined by several factors including your credit and loan repayment history.

  • Flexible Payment Terms

    With a Wise Loan installment loan, you get a better experience than a payday advance loan. You get to pick the number of payments needed to pay off the loan. Texas residents can choose from flexible schedules with terms of up to twelve months. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.

  • Cash Back Rewards

    By paying your Wise Loan in Texas in a timely fashion, you can earn cash back rewards! For every $1000 borrowed and paid back on time, you could have $10 – $50 deposited into your Nest Egg savings account.

  • 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.

  • Terms and Conditions for Texas

    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, [email protected], http://www.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.

    Regulatory Contact Information

    Texas Office of Consumer Credit Commissioner

    2601 N. Lamar Boulevard Austin, TX 78705

    • Phone: (800) 538-1579 Fax: (512) 936-7610

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