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As of October 15, 2022, Wise Loan is no longer offering loans to new customers in the state of Mississippi. Current or returning Mississippi customers may request a loan by logging into their account. If you have any questions or require assistance, please reach out to [email protected]
or call 800-516-7840. Thank you.

Mississippi Loan Terms and Conditions – Details

  • General

    These Terms and Conditions govern each credit application you submit to Essential Lending, Inc. (ELI) and each loan that you may obtain from ELI. ELI offers installment loans that are designed to help you with your immediate cash needs. ELI encourages you to borrow only what you need and what you are able to responsibly repay.

  • Privacy Policy and Changes to Privacy Policy

    ELI will handle your non-public personal information as described in our Privacy Policy, which can be viewed here. We reserve the right to change our privacy policy in accordance with applicable law. If we change our policy, we will notify you by providing you with the revised policy within the time frame required by applicable law.

  • Governing Law

    The transactions related to your credit application and any loan that you may obtain from ELI shall be governed by the laws of the State of Mississippi, regardless of where you may be viewing or accessing the ELI website.

  • Application Certification and Verification

    You certify that the information supplied by you on this website in or as part of your credit application is true, complete and correct. You authorize ELI, its authorized representatives, servicers, and/or assignees to verify the information by contacting any of the persons or firms listed by you. You fully release all parties from claims of damage that may arise out of or relate to any such contacts. Any false information submitted on this website in or as part of your credit application shall be sufficient reason for denial of your loan request.
    You authorize ELI and its authorized representatives to obtain information about you from one or more consumer reporting agencies and other sources. You understand that ELI reserves the right to withhold funding of your loan, at any time prior to disbursement, to allow ELI to verify any information that you provide.

  • Fair Credit Report Act Disclosure

    We may make inquiries concerning your credit history and standing, and may report information concerning your performance including, but not limited to, late payments, missed payments, or other defaults, to credit reporting agencies. Late payments, missed payments or other defaults on your loan may be reflected in your credit report.

  • Collection and Use of Bank Account and Other Information about You

    As part of our credit underwriting and information collection process, we will consider the bank account information provided by you as eligible for us to process payments against, we may detect additional bank accounts under your ownership, and we also may collect and consider information about you from non-credit reporting agency data providers and publicly available information about you.

  • Contact and Marketing Preferences

    Your consent is voluntary, but we cannot process an application or make a loan to you if you do not consent to receive disclosures and notices concerning your account electronically, and while you can opt out of electronic marketing contact messages, you cannot opt out of disclosures and notices concerning your account.
    Your consent to receive electronic communications and transactions includes, but is not limited to, all legal and regulatory disclosures and communications associated with your account your application for an Essential Lending product or service, and any loan product or service we agree to provide you.
    ELI may contact you by several contact methods, including but not limited to, writing to you via U.S. postal service and/or electronic mail and calling you via telephone at any address or number you provide to us. We may also contact you via text messaging or other mobile communication method, if you request or agree to this type of communication. We may use any one or all of these methods to contact you about the status or approval of your loan, inform you about special promotions, savings and services we believe may be of interest to you, to remind you of upcoming payments, and to communicate with you regarding collections and other issues related to your loan. If you have authorized ELI to do so, ELI may contact you using a predictive dialer or other automated telephone dialing device, or by pre-recorded message, during reasonable hours at any of the phone numbers which you provide to us.
    You may manage your contact information and preferences by calling us at (800) 516-7840, emailing us at [email protected] or changing your contact preferences on the ELI website.

  • Accuracy of Account Information

    We have established procedures to ensure that your financial information is accurate, current and complete, in keeping with reasonable industry standards. We continually strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, please contact let us know. We will investigate your concerns and correct any information we determine to be inaccurate.
    You may change your information on your application or otherwise update your account information online by logging into to your account at www.wiseloan.com.

  • Additional Security Methods

    You also have a significant role in protecting your information. No one can see or edit your personal information without knowing your login information. Do not share your login information with others. If you use this website, you are responsible for maintaining the confidentiality of your account, password, and restricting access to your computer. You agree to accept responsibility for all activities that occur under your account and password.

  • Automatic Logging of Session Data

    ELI automatically logs generic information about your computer’s connection to the Internet, which is called “session data”. Session data consists of things such as IP address, operating system and type of browser software being used and the activities conducted by the user while on our site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. It is possible to determine from an IP address a visitor’s Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity. We may also use some session data, such as the pages you visited on our site, to send you e-mail unless you had previously opted out of receiving such messages.

  • Cookies and Online Advertising

    “Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. There are many myths circulating about cookies, but you should know that cookies are only read by the server that placed them, and are unable to do such things as run programs on your computer, plant viruses or harvest your personal information. The use of cookies is very common on the Internet and www.ozarkmvr.com’s use of cookies is similar to that of such sites as Expedia and Travelocity, as well as Google, CNN.com and other reputable online companies.

     

    First and foremost, you can rest assured that no personal information about you is gathered or stored in the cookies placed by the www.wiseloan.com and www.essentialending.com websites and, as a result, none can be passed on to any third parties.

    Cookies allow us to serve you better and more efficiently, and to personalize your experience at our site.

     

    A cookie may also be placed by our advertising server. Such cookies are used only for purposes of tracking the effectiveness of advertising served by us on our site and no personal information about you is gathered from you by the use of these cookies, nor is this information shared with any third parties. Similarly, a cookie may be placed by our third-party advertising companies. These companies may use aggregated statistics about your visits to this and other web sites in order to provide advertisements about travel-related goods and services that you may be interested in. The information they collect does not include your personal information.

     

    The third-party advertising companies may also employ technology that is used to measure the effectiveness of ads. Any such information is anonymous. They may use this anonymous information about your visits to this and other sites in order to provide advertisements about goods and services of potential interest to you. No personal information about you is collected during this process. The information is anonymous and does not link online actions to an identifiable person.

     

    Most web browsers automatically accept cookies. Of course, by changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. Essential Lending, Inc. supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking www.ozarkmvr.com cookies may disable certain features on our site and may make it impossible to purchase or use certain services available on the site. Please note that it is possible to block cookie activity from certain web sites while permitting cookies from sites you trust, like www.wiseloan.com.

     

     

  • Essential Lending Contact Information

    If you have any questions about practices of the Wise Loan or Essential Lending websites, please contact us using the information found at www.wiseloan.com/contact-us.

    You understand that ELI will retain your credit application and the information you provide on this website in or as part of your credit application, whether or not we approve you for a loan.

    *following loan approval

Local Reviews
for Jackson,Southaven,Starkville,Bay Saint Louis,Columbia,Greenville,McComb,Columbus,Gulfport,Hattiesburg,Macon,Madison,Meridian,New Houlka,Picayune,Ridgeland,Vancleave,Vicksburg,Yazoo City,Biloxi,Brookhaven,Buckatunna,Byhalia,Byram,Clarksdale,Courtland,Hernando,Holly Springs,Moss Point,Pascagoula,Pearl,Philadelphia,Poplarville,Richland,Roxie,Smithdale,Tupelo,Water Valley,West Point,Baldwyn,Batesville,Booneville,Brandon,Calhoun City,Canton,Carriere,Cleveland,Coffeeville,Coldwater,Crystal Springs,D'Iberville,Drew,Flowood,Forest,Gloster,Greenwood,Grenada,Horn Lake,Kiln,Laurel,Long Beach,Lorman,Louin,Louisville,Magee,Marks,Mendenhall,Monticello,Natchez,Ocean Springs,Olive Branch,Oxford,Prairie,Red Banks,Saltillo,Senatobia,Taylorsville,Toccopola,Tylertown,Verona,Waveland, MS

Wise Loan Rated 4.7 out of 5 stars based on 38 customer reviews

Map of Horn Lake, MS 38637

Rating




Review of Wise Loan

Horn LakeMS38637 34.9625-90.0475

Response from Wise Loan:

J, thank you for sharing your experience. We strive to go the extra mile for our customers and would like to opportunity to learn more about your experience with us. Please reach out to [email protected] or call 800.516.7840 so we can address your needs. Best regards. -Wise Loan


Map of Hattiesburg, MS 39401

Great service




Review of Wise Loan

HattiesburgMS39401 31.215-89.285

Response from Wise Loan:

Sabrina, thank you for leaving a review. At Wise Loan, we always strive to go the extra mile for our customers. If there's anything we can do for you in the future, please don't hesitate to reach out. Best Regards! -Wise Loan


Map of Jackson, MS 39204

I truly must say that the best part about wise long customer services Use that they truly listen to the customer and the supervisor miss Julie They tr




Review of Wise Loan

I will be using wise loans in the future And if anyone in the nation is having issues financially at this time of crisis I would ask you all to look to wise loans for help The customer service gentleman and his supervisor miss Julie I thank you all

JacksonMS39204 32.2825-90.23

Map of Vicksburg, MS 39183

Awesome service




Review of Wise Loan

Service was polite and prompt!

VicksburgMS39183 32.465-90.925

Map of Biloxi, MS 39532

Awesome service




Review of Wise Loan

Always answered my questions and happy to help me fix my problems

BiloxiMS39532 30.5-88.96

Map of Gulfport, MS 39503

Excellent service




Review of Wise Loan

GulfportMS39503 30.455-89.1525

Map of Jackson, MS 39206

Awesome Service




Review of Wise Loan

Alma was wonderful, knowledgeable, and extremely helpful throughout the call. Her attitude was great and it was a pleasure speaking with her today.

JacksonMS39206 32.3675-90.1775

Map of Columbus, MS 39702

Love the service




Review of Wise Loan

Awesome customer service

ColumbusMS39702 33.45-88.3425

Map of Jackson, MS 39206

Awesome price




Review of Wise Loan

Great service, really enjoyed the helpful people!!!

JacksonMS39206 32.3675-90.1775

Map of Drew, MS 38737

Mrs Jessica I appreciate all you did to help me.and you were so patient and keep in touch with me and the kids.thank again




Review of Wise Loan

It was awesome

DrewMS38737 33.81-90.5275

Absolutely AWESOME service.




Review of Wise Loan

Sincerely one of the most pleasant experiences I have ever had when dealing with customer service.

Moss PointMS 30.4125-88.535

The customer service I received was great!




Review of Wise Loan

Everyone I spoke with was very informative and nice. It was an easy process. I will always use wise loan when I’m in need of a little extra cash.

ColumbiaMS39429 31.2725-89.775

Fast service




Review of Wise Loan

They were very responsive

JacksonMS39213 32.3675-90.2525

Great service




Review of Wise Loan

VancleaveMS39565 30.6375-88.8875

Great




Review of Wise Loan

PicayuneMS39466 30.52-89.675

Awesome service




Review of Wise Loan

Claire was extremely helpful and courteous to me. She understood my needs and assisted me to get the best rate.

ByramMS39272 32.195-90.2975

The representative that help me, she was excellent help. She was very patiently and I thank her for that.




Review of Wise Loan

CantonMS39046 32.695-90.0375

Good Job




Review of Wise Loan

It took awhile for my loan to be approved but I'm glad it happened

JacksonMS39203 32.305-90.2

Negative Experience




Review of Wise Loan

ColumbusMS 33.495-88.4275

Great Service, easy and fast process.




Review of Wise Loan

HattiesburgMS39402 31.345-89.3575

Jude C.

Jude C.

Near Columbia, MS 39429
Jude C.

Jude C.

Near Columbia, MS 39429
Olga S.

Olga S.

Near Moss Point, MS
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Will Alexander Rd, Columbia, MS 39429
ROBBY G.

ROBBY G.

Near Pascagoula, MS 39567
Jude C.

Jude C.

Near Ridgeland, MS 39157
ROBBY G.

ROBBY G.

Near Ridgeland, MS 39157
Trent T.

Trent T.

Hello, this is trent, the person who previously delivered the service. Would you kindly take a moment to assess my performance? It would be really valued. Regards!

Near Arbor Dr, Ridgeland, MS 39157
ROBBY G.

ROBBY G.

Near Forest, MS 39074
ROBBY G.

ROBBY G.

Near Brandon, MS 39047
Jude C.

Jude C.

Near Jackson, MS 39212
Jude C.

Jude C.

Near Hattiesburg, MS 39401
Jude C.

Jude C.

Near Vicksburg, MS 39180
ROBBY G.

ROBBY G.

Near Pascagoula, MS 39567
ROBBY G.

ROBBY G.

Near Gulfport, MS 39503
Jude C.

Jude C.

Near Hattiesburg, MS 39401
ROBBY G.

ROBBY G.

Near Gulfport, MS 39503
ROBBY G.

ROBBY G.

Near Jackson, MS 39232
ROBBY G.

ROBBY G.

Near Brandon, MS 39047
ROBBY G.

ROBBY G.

Near Brandon, MS 39047
ROBBY G.

ROBBY G.

Near Biloxi, MS 39540
Jude C.

Jude C.

Near Horn Lake, MS 38637
ROBBY G.

ROBBY G.

Near Vancleave, MS 39565
Jude C.

Jude C.

Near Greenville, MS 38703
Stillman .

Stillman .

cci cust adv hardship, adv pay plan, cst first payment dat 10/31 $139.94-Stillman

Near Briars Bend, Brandon, MS 39042
Stillman .

Stillman .

cci cust set up pay plan, next pay date 11/14 ($98.55)-Stillman

Near Eagle Heights Dr, Picayune, MS 39466
Jude C.

Jude C.

Near Greenville, MS 38701
ROBBY G.

ROBBY G.

Near Brandon, MS 39047
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near Warriors Trail, Vicksburg, MS 39180
Natasha W.

Natasha W.

Wise Loan is requesting feedback on your overall experience with me today. I would greatly appreciate the completed review! Have a great day, and thank you for being a part of the Wise Loan Family😊

Near 5th St, Meridian, MS 39307