South & Central U.S. Loan Storefront Guide
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Essential Lending Inc

Updated 2026-08-23 · 5,423 reviewed · 600 listed · Scored from 6 Google reviews · How we rank ›

2.3(6) 54 low data composite score See reviews on Google ✓ Google-verified
Mortgage & Home LoansPersonal LoansPayday & Cash AdvanceBad Credit / No Credit CheckSame-Day / Fast Approval
Essential Lending Inc
Services
Mortgage & Home Loans, Personal Loans, Payday & Cash Advance
Reviews
6

What recent reviews say

Six reviews paint a deeply troubling picture. Four one-star reviews describe unauthorized loans opened in customers' names, massive fee markups (800 dollars in fees on a 360 dollar loan), and unapproved bank withdrawals. One reviewer reported the company to the CFPB and BBB; another found their information used despite never visiting Fort Worth or authorizing a loan. A single five-star review from two years ago is vastly outnumbered by current fraud allegations and complaints of predatory terms.

Based on limited recent reviews, so treat this as low-confidence.

Recent shift: Multiple fraud allegations and predatory lending complaints were filed within the past two years, contradicting a single positive review from two years ago.

Praised for
  • Advertises thoughtful approach
Watch-outs
  • Predatory fees and interest rates
  • Fraudulent account opening without consent
  • Unauthorized bank withdrawals
  • Poor fraud department response
high-interestpredatory-termspoor-communicationhidden-fees
Think twice if: Anyone considering this lender should verify their credit reports immediately and review all account activity, given multiple reports of unauthorized loan creation and unauthorized withdrawals.

Worth knowing

  • One reviewer reported fees of 800 dollars on a 360 dollar loan
  • Multiple customers report loans opened without their permission or signature
  • Customers report unauthorized bank account withdrawals
  • Reviewers cite no fraud department available when contacted

What reviews say by service

Payday & Cash Advance
Reviewers describe extreme fee structures and predatory terms on short-term borrowing
Bad Credit / No Credit Check
Multiple reports of fraudulent account opening suggest targeting vulnerable borrowers

How it compares

  • Rated 2.3 against a 4.49 average across the 424 mortgage & home loans businesses listed here.
  • Has more Google reviews than 23% of the businesses in this directory.

How we scored this

How We Rank
Star rating 40
Review volume 37
Review recency 100
Review sentiment 37
Profile completeness 100
Verification 30

Rating breakdown

5
2
4
0
3
0
2
0
1
4

Contact

Address
3509 Hulen St #116, Fort Worth, TX 76107

Last verified 2026-08-23

Opening hours

Monday
07:00-18:00
Tuesday
07:00-18:00
Wednesday
07:00-18:00
Thursday
07:00-18:00
Friday
07:00-18:00
Saturday
07:00-16:00
Sunday
09:00-17:00

As listed on Google.

From their website

Services listed
Short-term loansCredit building

As published by the business on its own website; not independently verified.

Enquire about Essential Lending Inc

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Last updated 2026-08-23