Wise Loans availability by state.

The company installment loans are available in select U.S. states. Loan amounts, APRs, and terms vary by state due to local consumer lending regulations.

States where Wise Loans operates

This lender currently serves borrowers in the following states. Click your state for product details specific to your jurisdiction.

Wise Loans Guide

Direct lender; available

Other States

This service also serves borrowers in Mississippi, New Mexico, Wisconsin, Idaho, South Carolina, Delaware, and other selected states. Verify state availability at the start of your brand application.

More on Wise Loans state availability

Wise Loans operates in select U.S. states under each state's consumer lending regulatory framework. Loan amounts, APR maximums, term lengths, and fee structures vary by state because state law — not federal law — governs most of these parameters for short-term installment loans. A The lender applicant in Texas receives a different loan structure than a The platform applicant in Florida or Utah.

Texas The service borrowers operate under a Credit Services Organization (CSO) arrangement, where This product (Essential Lending, Inc.) acts as a credit broker that arranges loans through third-party lenders. This means Texas This lender borrowers will see two parties on their loan documents: The product as the CSO, and an unaffiliated lender as the actual fund source. The borrower experience is identical, but the legal structure differs.

States where The company operates as a direct lender (rather than CSO) include Florida, Georgia, Utah, Missouri, Mississippi, New Mexico, Wisconsin, Idaho, South Carolina, and Delaware. State availability is verified at the start of each The lender application; applicants in non-served states will be informed before completing the application.

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