Online Installment Loans Texas

Wise Loan offers access to FAST, no hassle online installment loans to people living in Texas. Approved applicants who have a valid checking account and contact information could see money deposited to their account within 24 hours the SAME DAY for FREE as long as the loan is approved before 11 AM CT. Wise Loan may be the only loan servicer in Texas that 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 to pick the number of payments needed to pay off the loan. Texas residents can choose from flexible schedules with terms up to 6 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 back 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.

• Late Fees

  If any installment payment is in default for a period of more than 10 days, there will be a late fee in an amount equal to the greater of 5% of the payment amount due or $7.50.

• 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