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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

Local Reviews
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Wise Loan Rated 4.7 out of 5 stars based on 205 customer reviews

Map of Mesquite, TX

Getting a loan




Review of Wise Loan

Great service


Map of Arlington, TX

Alma Campos was very helpful and very understanding with me I appreciate her and thank her for understanding




Review of Wise Loan

Alma made the experience way better she’s also really funny


Map of Houston, TX

Great service




Review of Wise Loan

Ms Campos was very polite, friendly & knowledgeable of her work.


Map of Dallas, TX

My service




Review of Wise Loan

No time to


Map of Amarillo, TX

Usually great but this time horrible




Review of Wise Loan

Usually when you take payment from us everything is good. This time you tried to take and extra $328.00 when it was not due. The excuse I got was human error. It took me calling twice to fix it. But it was done.


Map of Bedford, TX

Very easy to work with in all aspects




Review of Wise Loan

Very fair and reasonable to deal with. They are fair in their business practices and customer oriented.


Map of Cypress, TX

Great Service




Review of Wise Loan

Shay was very compassionate. She was also very informative.


Map of Houston, TX

Great and Kind




Review of Wise Loan

Awesome and great attitude


Map of Mansfield, TX

nice service




Review of Wise Loan

everything was ok


Map of Katy, TX

Great service




Review of Wise Loan

Didn't that a lot of time to complete loan process☺


Friendly rep




Review of Wise Loan

Shay as a phone rep that help me with my loan. she was very nice friendly and very patient. she answered all questions in a professional manner. she made my day


Great Service




Review of Wise Loan


Slow on sending funds




Review of Wise Loan

I was approved but kept getting the run around about signing my loan agreement forms. They had wrong dates so I had to sign numerous times. I spoke with about 5 different agents and they said all I had to do was sign the loan agreement which i called and had to do about 3 or 4 different times and I still dont have my funds in my account like they said


Awesome service




Review of Wise Loan

He was very patient with me


Awesome customer service




Review of Wise Loan

Kam was super helpful and friendly!!


Great service




Review of Wise Loan


Great and prompt service.




Review of Wise Loan

Compared to some I have used this company makes it easy to get a loan and repay. The Reps. are patient and courteous.


Positive experience!




Review of Wise Loan

I needed a loan, needed it fast. I was referred to Wise and received the help I needed to secure the amount I needed. The assistance from representative 3145 was fast and professional.


Awesome service




Review of Wise Loan

Great customer service


Great svc




Review of Wise Loan

Excellent CS


Jude C.

Jude C.

Near Carrollton, TX 75006
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Mesquite, TX 75149
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Arlington, TX 76006
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Houston, TX 77065
Shalitha W.

Shalitha W.

Near Dallas, TX 75211
Shalitha W.

Shalitha W.

Near Houston, TX 77064
Jude C.

Jude C.

Near Dallas, TX 75240
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near San Antonio, TX 78254
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Houston, TX 77065
Jude C.

Jude C.

Near Amarillo, TX 79120
Jude C.

Jude C.

Near Denton, TX 76207
Jude C.

Jude C.

Near Bedford, TX 76021
Jude C.

Jude C.

Near Brownsville, TX 78521
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Cedar Park, TX 78613
Jude C.

Jude C.

Near El Paso, TX 79924
Shalitha W.

Shalitha W.

Near Houston, TX 77044
Jude C.

Jude C.

Near Keller, TX 76244
Jude C.

Jude C.

Near Houston, TX 77091
Jude C.

Jude C.

Near Dallas, TX 75244
Jude C.

Jude C.

Near Houston, TX 77008
Jude C.

Jude C.

Near Houston, TX 77076
Jude C.

Jude C.

Near Fort Worth, TX 76104
Jude C.

Jude C.

Near Killeen, TX 76549
Jude C.

Jude C.

Near Richmond, TX 77407
Jude C.

Jude C.

Near Abilene, TX 79605
Shalitha W.

Shalitha W.

Near Fresno, TX 77545
Jude C.

Jude C.

Near Hurst, TX 76053
Jude C.

Jude C.

Near Converse, TX 78109
Alma C.

Alma C.

** Please, tell us about your AWESOME customer service experience with Alma. Thank you!

Near Denton, TX 76207
Jude C.

Jude C.

Near Dallas, TX 75217