Wallace Finance | All You need to Know About Wallace Finance


Although the emergence of capital markets has decreased reliance on loan financing to some extent, loan finance remains a critical component of corporate finance in most nations.

This can be given either intra-group by associated trade or finance firms or externally by financing entities unrelated to the borrower.

One purpose of Wallace Finance is to assist you in obtaining the funds you require when you require them.

This section provides an overview of the various loan financing options, especially when it has to do with Wallace Finance.

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About Wallace Finance

Wallace Finance oversees 135 small loan firms in seven states. They’ve been making modest consumer loans since 1980. T

heir top management and field supervisors have combined expertise of more than 140 years in assisting our clients.

They manage different firms that are licensed, regulated, and audited by the states in which they operate, and they completely comply with all applicable laws and regulations.

What Do They Do at Wallace Finance?

Wallace Finance practice Responsible Lending, which means we consider factors other than credit ratings.

They assess a borrower’s stability, capacity, borrowing history, and desire to repay a loan in order to provide you with the optimal loan for your income and financial position.                

You can visit one of their 120+ locations, and their helpful staff will walk you through the simple application process in 30 minutes or less.

Some of their loan facility include:

  • Installment Loans
  • Car Repair Loans
  • School Loans
  • Emergency Loans
  • Small Loans
  • Vacation Loans
  • Starter Loans
  • Build Credit

What is an Installment Loan?

Individuals can get an installment loan by agreeing to borrow a specific sum from a lender and repay it in equal installments over a certain time period.

Installment loans reflect favorably on your capacity to manage debt responsibly if you make complete payments in a regular and timely manner. Installment loans provide you with the funds you require.

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What is a Car Repair Loan?

A personal loan is one option that may help you obtain the funds you want for your automobile repair.

Moreover, depending on the lender and whether you are authorized, monies might be put into your bank account as soon as the following working day.

These are installment loans, which means that lenders will allow you to repay the money you borrow over time with regular monthly installments.

In addition to the loan amount, you may be forced to pay interest and fees, which vary from lender to lender.

Your credit history is one element that may influence your ability to qualify for a personal loan, and if you are authorized, your credit will almost certainly influence the conditions and interest rate you are provided.

If you want to get a personal loan for vehicle repairs but don’t qualify for the loan or the interest rates you desire, you should think about applying for a personal loan with Wallace Finance.

School Loan

A student loan is a money borrowed from the government or a private lender to cover college expenses.

The loan must be repaid later, along with the interest that accumulates over time.

The funds are typically used for tuition, housing, board, books, or other costs. However, some students utilize their loan funds for other purposes.

To be clear, student loans are not the same as scholarships and grants. Loans must always be repaid (unless you’re one of the happy few who get a portion of your debt forgiven, which is extremely unusual).

Scholarships and grants, on the other hand, do not have to be repaid (after all, who doesn’t like free money?).

Student loans differ from work-study programs, in which students are compensated to work on campus.

Getting a student loan at Wallace Finance is much easy; just follow through with the application process.

Emergency Loans

An emergency loan is a personal loan that is immediately released so that you can utilize it for unexpected or unanticipated needs.

You may want quick access to funds to deal with unforeseen circumstances such as a car breakdown or an emergency medical bill.

Borrowers with excellent credit will receive the best interest rate on an emergency personal loan.

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Small Loan

A small personal loan might assist you in raising cash for house repairs or unexpected costs.

If you need money now and can return it in installments, a small loan may be the way to go.

Vacation Loan

A vacation loan is a type of personal loan designed to fund travel.

A vacation loan can be a sensible method to fund a major trip or a once-in-a-lifetime adventure since you obtain a fixed rate and can select your duration to decide your monthly payments.

Starter Loan

The Starter Loan is a secondary loan taken to assist with the beginning expenditures of purchasing or developing a house.

The Starter Loan has a five-year payback period with no interest or repayments necessary.

If the Starter Loan is not paid in full at the end of five years, it will be examined and may be added to your principal loan balance, thereby increasing your loan term.

Wallace Finance Loan Application Process

Obtaining a personal loan should be quick, simple, and dependable. As a result, the loan agreements always include the following:

  • All costs are paid in advance.
  • Your set rate of interest
  • Monthly payment estimate
  • Your payment deadline

Fill out the simple application to get started on the lending process. Once you’ve been accepted, your next destination should be your local branch.

A member of staff will inquire about your financial objectives and walk you through your financing alternatives.

Also, We’ll prepare your check as soon as we verify your application. It’s as easy as that.

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Branches of Wallace Finance

Listed below are some branches of Wallace Finance.

  • Empire Finance
  • State Finance
  • Liberty Finance
  • Dixie Finance

Wallace Finance Locations

The following are the Wallace Finance locations:

Empire Finance of Springfield

Address: 2623 North Kansas Expressway, Springfield, MO 65803, USA

Phone: (417) 720-2211

Empire Finance of Denton

Address: 828 West University Drive, Denton, TX, USA

Phone: (940) 257-2111

Empire Finance of Burleson

Address: 1351 SW Wilshire Blvd, Burleson, TX, USA

Phone: (817) 756-8626

Empire Finance of Webb City

Address: 1202 South Madison Street, Webb City, MO, USA

Phone: (417) 595-0775

Empire Finance of Glenpool

Address: 12100 South Yukon Avenue, Glenpool, OK, USA

Phone: (918) 615-6644

Liberty Finance of Northport

Address: 2801 Lurleen B Wallace Boulevard, Northport, AL, USA

Phone: (205) 614-4944

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Empire Finance of Moore

Address: 642 Northwest 12th Street, Moore, OK 73160, USA

Phone: (405) 759-4497

Empire Finance of Irving

Address: 2614 North Belt Line Road, Irving, TX, USA

Phone: (972) 916-9388

Empire Finance of Oklahoma City

Address: 3421 Southwest 104th Street, Unit #4, Oklahoma City, OK, USA

Phone: (405) 832-5003

Empire Finance of Norman

Address: 627 12th Avenue Northeast, Norman, OK 73071, USA

Phone: (405) 310-8540

Empire Finance of Tulsa

Address: 13235 Hobbs Creek Dr, Collinsville, OK 74021, USA

Phone: (918) 863-8999

Dixie Finance of Okmulgee

Address: 123 E 6th, Okmulgee, OK, USA

Phone: 918-756-5700

Dixie Finance of Lawton

Address: 1907 West Gore Boulevard, Lawton, OK, USA

Phone: 580-699-8558

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Dixie Finance of Broken Arrow

Address: 507 North Aspen Avenue, Broken Arrow, OK, USA

Phone: 918-258-0404

Dixie Finance of McAlester

Address: 220 East Choctaw Avenue, McAlester, OK, USA

Phone: 918-423-3810

Email: mike.kell@wallacemgt.com

Empire Finance of Shawnee

Address: 4006 N Kickapoo Ave, Shawnee, Oklahoma, USA

Empire Finance of McKinney

Address: 1705 W University Dr, McKinney, TX 75069, USA

Phone: (214) 444-3703

Empire Finance of Texarkana

Address: 3601 N Stateline Ave, Texarkana, TX, USA

Empire Finance in Bedford

Address: 2113 Harwood Rd, Bedford, TX 76021, USA

Phone: (682) 324-9338

Empire Finance of McKinney

Address: 1705 West University Drive, McKinney, TX, USA

Phone: (214) 444-3703

Empire Finance of Lewisville

Address: 310 East Round Grove Road, Lewisville, TX, USA

Phone: (469) 444-9199

Empire Finance of Watauga

Address: 6420 Denton Hwy, Watauga, TX, USA

Phone: (817) 918-9776

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State Finance of Murfreesboro

Address: 1786 W Northfield Blvd, Murfreesboro, TN 37129, USA

Phone: (615) 291-1711

Empire Finance of Hurst

Address: 1832 Precinct Line Rd, Hurst, TX 76054, USA

Phone: 682-257-4777

Dixie Finance of Watts

Address: 3455 U.S. 412, Watts, OK 74964, USA

Phone: 918-422-6120

Email: ffo@wallacemgt.com

Dixie Finance of Wagoner

Address: 611 W Cherokee St, Wagoner, OK 74467, USA

Phone: 918-485-0870

Fax: 918-485-0872

Email: ffx@wallacemgt.com

Dixie Finance of Owasso

Address: 9100 N Garnett Rd, Owasso, OK 74055, USA

Phone: 918-376-2088

Fax: 918-376-2246

Email: ffw@wallacemgt.com

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Dixie Finance of Okmulgee

Address: 123 E 6th, Okmulgee, OK 74447, USA

Phone: 918-756-5700

Fax: 918-756-5700

Email: ffp@wallacemgt.com

Dixie Finance of Muskogee

Address: 300 East Side Boulevard, Muskogee, OK 74403, USA

Phone: 918-683-2983

Fax: 918-683-2983

Email: ffr@wallacemgt.com



“Very friendly, always greets me with a smile. Love these ladies.”

Rating: 4 out of 5.

Mary Jane Mcmahon

“I love the friendliness of the staff and the ability to call them up when I’m short on cash, and they always come through for me. Thank you, poplar bluff Missouri empire.”

Rating: 5 out of 5.

Patricia Kiser

“They are so friendly. Got Me what I needed. Thank You so much for giving Me a chance.”

Rating: 4 out of 5.

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Tammy Bennett

“They have a very friendly staff that will go the extra mile for you. Toni was excellent to work with.”

Rating: 4 out of 5.

Allan Rooster

“I have always used the Arnold, Missouri location for Wallace Management, and they have always been fair upfront, and Tiffany is one of the nicest people I’ve ever met! Great personality, is very professional, and does anything and everything she can to try to help in any way.”

“I had to write a review and give her and Wallace’s management a great review because they deserve it! Five stars here! Thank you!!!”

Rating: 5 out of 5.


How are these loans secured?

Wallace Finance loans are almost entirely unsecured. Loans may be collateralized with a car title or high-end home goods on occasion, but never with access to a borrower’s bank account.

They use “responsible underwriting” and rely on the borrowers for repayment.

What is Responsible Lending?

The borrower’s stability, capacity, and desire to repay the loan using budgets and credit records, among other things.

Budgets, in particular, assist in determining whether or not the loan is AFFORDABLE.

Another factor to consider is our relationship with the borrower; many of them are repeat clients who return year after year.

We evaluate each application individually and never rely only on credit ratings or a scoring algorithm to assess creditworthiness.

What does an Installment Loan company do?

Traditional Installment Loan firms provide clients with loans that must be returned in equal monthly installments.

Wallace Finance loans vary from $200 to $1525* and have terms ranging from 4 to 11 months.

The maximum and minimum loan amounts will differ by state. For further information, please contact your local branch.


Wallace Finance is a small loan company located in seven states in the U.S. their purpose is to assist you in obtaining the funds you require when you require them.

They assess a borrower’s stability, capacity, borrowing history, and desire to repay a loan in order to provide you with the optimal loan for your income and financial position.                

You can visit one of their 120+ locations, and their helpful staff will walk you through the simple application process in 30 minutes or less.



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