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Online Installment Loans 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 to get a smarter loan!

  • How Much Can I Borrow From Wise Loan?

    In the state of Texas, Wise loan offers loan amounts between $200 – $2000. 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, consumer.complaints@occc.state.tx.us, 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 253 customer reviews

Map of Denton, TX

Excellent Customer Service!




Review of Wise Loan

Jude is always helpful and quick to help!


Map of Houston, TX

Very personable. Great service




Review of Wise Loan


Map of Spring, TX

superior customer service




Review of Wise Loan

always very helpful and considerate of account payments


Map of Arlington, TX

Compassionate, Service




Review of Wise Loan

Jude was considerate, understanding, and willing to assist me. I appreciated his assistance.


Map of Clodine, TX

Bob "great service"




Review of Wise Loan

Cool, calm, awesome...


Map of Plano, TX

great service!!!




Review of Wise Loan

they have worked with me enthusiastically over the past few months while ive had financial issues paying back loan. i love these guys!


Map of Denton, TX

Excellent Customer Service




Review of Wise Loan

Jude is always helpful and friendly.


Map of Dallas, TX

Friendly great service!




Review of Wise Loan

Wait time was short, representative was super friendly and helpful!


Map of Amarillo, TX

Great Service!!!




Review of Wise Loan

Alma has always been gracious and explains things where I can understand !


Map of Temple, TX

Great communication due to deaf/hearing impaired.




Review of Wise Loan

I want to thank-you from the bottom of my heart, bless you and be safe.


Very Satisfied




Review of Wise Loan

Jude was a very nice gentleman and I took care of me and very considerate and went out his way to help me out


Great service and polite.




Review of Wise Loan

Problem resolved.


Awesome!!




Review of Wise Loan

Alma is the BEST! Very professional and knowledgeable.


Good and informative




Review of Wise Loan


VERY HELPFUL AND PROFESSIONAL




Review of Wise Loan

Jude helped me with my loan payment options, while being very helpful. My concerns were resolved in a timely manner. I truly appreciate Jude's help!!


Great service




Review of Wise Loan

The girl who initially answered the phone was dry and rude but she transferred me to Jude and I had an amazing experience. He did an amazing job at explaining any issues and helped me get everything back in order!


Great Service




Review of Wise Loan

Alima, was a prompt on my service with Wise Loan she rocks! Customer Service was great


Very informative customer service




Review of Wise Loan


Over and Above Excellent Customer Assistance




Review of Wise Loan

From start of loan to early payoff, I have had noting but a positive experience. When I needed the loan I had various options as they were all explained and I agreed. I was able to pay a lump sum on my loan but I was actually offered a discount that I could not refuse. Each representative that I have ever spoken with, A-1 customer service. The young man who assisted me with several options to payoff was nothing short of excellence. I thank Wise Loan and the staff associated to assist me in my time of need. I especially thank Olga and Jude, thank you, and you are "all"appreciated.


Great Service




Review of Wise Loan

great way to do business ask for a reduction made me a offer i couldn’t refuse


Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Houston, TX 77082
Jude C.

Jude C.

Near Houston, TX 77061
Jude C.

Jude C.

Near Grapevine, TX 76051
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Fort Worth, TX 76105
Jude C.

Jude C.

Near Burleson, TX 76028
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near San Antonio, TX 78251
Jude C.

Jude C.

Near Brownsville, TX 78526
Jude C.

Jude C.

Near San Antonio, TX 78249
Jude C.

Jude C.

Near Helotes, TX 78023
Jude C.

Jude C.

Near Spring, TX 77379
Jude C.

Jude C.

Near Midland, TX 79705
Jude C.

Jude C.

Near Benbrook, TX 76132
Jude C.

Jude C.

Near Jarrell, TX 76537
Alma C.

Alma C.

Please, tell us about your awesome customer service experience with Alma @ Wise Loan. Thank you!

Near Galveston, TX 77551
Jude C.

Jude C.

Near Houston, TX 77007
Jude C.

Jude C.

Near San Antonio, TX 78253
Jude C.

Jude C.

Near Dallas, TX 75214
Jude C.

Jude C.

Near Houston, TX 77061
Jude C.

Jude C.

Near Dallas, TX 75219
Jude C.

Jude C.

Near Denton, TX 76209
Jude C.

Jude C.

Near Houston, TX 77078
Jude C.

Jude C.

Near Fresno, TX 77545
Jude C.

Jude C.

Near Dallas, TX 75228
Jude C.

Jude C.

Near Fort Worth, TX 76123
Jude C.

Jude C.

Near Houston, TX 77022
Jude C.

Jude C.

Near Irving, TX 75039
Jude C.

Jude C.

Near Houston, TX 77004
Jude C.

Jude C.

Near San Antonio, TX 78251
Jude C.

Jude C.

Near College Station, TX 77845
Jude C.

Jude C.

Near Dallas, TX 75219