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Online Installment Loans in Texas

Wise Loan offers FAST, no hassle online installment loans to people living in Texas. Approved applicants who have a valid bank account and contact information could see money deposited to their bank account within 24 hours or the SAME DAY* for a small fee. Wise Loan is the only loan servicer in Texas that offers Cash 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, the highest Wise Loan loan amount is $1500 and the smallest $200. Loan amounts as well as loan approvals are evaluated on a number of factors determined in your loan application, such as credit, employment, loan repayment history, as well as number of other factors.
  • 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 2 to 12 payments. When choosing the payment terms, be sure to pick terms that accurately reflect your ability to pay.
  • Cash Back Rewards
    Repaying your Wise Loan on time in Texas can earn you cash back bonuses! For every $1000 borrowed and paid back on time, you will receive $50 deposited into your Nest Egg
  • What Will My Loan Cost
    Wise Loan installment loans are an expensive form of credit and should be used only when necessary for unexpected or emergency expenses. Annual Percentage Rates or APRs will differ depending on the loan term. Faster 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 funding 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 annual percentage rate (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

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