Fort Worth Payday Loans, TX

Are Payday Loans Legal in Fort Worth, Texas?

Yes, payday loans are legal in Fort Worth, Texas, but they operate under different rules than other states. In Texas, payday lenders are known as "credit access businesses" (CABs) and are allowed to charge high fees, leading to APRs that can go over 500%. While these loans are legal, they can be risky and expensive for borrowers.

How Payday Loans Work in Texas

In Fort Worth and across Texas, payday loans are usually offered as short-term loans (lasting 14 to 30 days) or as installment loans with longer repayment terms. Texas doesn't cap interest rates, but it limits fees based on the loan amount.

For example, if you borrow $500 the fees alone could be as much as $150 plus interest, making your total repayment around $650 or more in just a few weeks. Because of these high costs payday loans in Texas should be considered as a last-resort option.

Do I Qualify a Payday Loan in Fort Worth?

To get a payday loan in Fort Worth, Texas, you’ll need to meet some basic requirements set by lenders. While each lender might have specific criteria, here’s what you generally need to qualify:

1. Age and ID: You must be at least 18 years old and have a valid government-issued ID like a driver’s license or state ID.
2. Proof of Income: You’ll need to show you have a steady source of income, such as from a job, benefits, or other regular payments.
3. Bank Account: Most lenders require you to have an active checking account where the loan funds can be deposited and payments can be deducted.
4. Contact Information: You must provide a valid phone number and email address for communication.

Some lenders may have additional requirements. Also under the Military Lending Act (MLA), active-duty service members and their dependents are not allowed to take out payday loans.

Can I Get a Payday Loan in Fort Worth With Bad Credit?

Yes, you can get a payday loan in Fort Worth even if you have bad credit. Payday lenders in Texas usually don’t check traditional credit scores like banks do. Instead, they focus on whether you have a steady income and can repay the loan.

How Fast Can I Get a Payday Loan in Fort Worth?

In Fort Worth, Texas, you can often get a payday loan the same day you apply, sometimes within hours after approval, if you meet the lender’s requirements and have your documents ready. Payday lenders in Fort Worth, both storefront and online, prioritize speed for urgent financial needs.

If you apply in person at a storefront lender and your paperwork is complete, you’ll usually walk out with cash immediately. Online lenders can approve applications within minutes and deposit funds directly into your bank account within one business day. For example, applying online by 10 a.m. might mean funds arrive by 5 p.m. the same day, depending on your bank’s processing speed.

Delays can happen if your income documentation is incomplete, the lender needs extra verification, or your bank takes longer to process the deposit.

Need cash even faster? 

Some lenders offer prepaid debit card funding, but these often come with extra fees.

What If I Need a Loan for a Longer Period in Fort Worth?

If you need a loan with more time to repay in Fort Worth, installment loans in Texas let you borrow a fixed amount of money and repay it over time (usually 3 t o60 months) in regular monthly payments. Unlike payday loans, which usually need to be paid back in a few weeks, installment loans are designed to spread out the cost over several months or even years. This makes the payments more manageable for most people.

Are There Guaranteed Approval, No Credit Check Loans in Fort Worth?

No, there’s no such thing as a truly "guaranteed approval loan with no credit check" in Fort Worth. Licensed lenders always check your background to approve a loan, even if it’s not your traditional credit score. In Texas, payday lenders usually don’t check FICO scores but verify your income, residency, and banking activity to ensure you can repay. They also use a statewide database to block borrowers from taking multiple loans at once.

Where to Get a Payday Loan Near Me in Fort Worth?

Lender Name	Address	Phone Number
Speedy Cash	800 East Seminary Drive	(817) 927-5020
Speedy Cash	2812 North Main Street	(817) 350-6061
Speedy Cash	4209 East Lancaster Avenue	(817) 534-3093
Speedy Payday Loans	425 Commerce St #547	(817) 541-7747
Trust Payday Loans	400 Commerce St #451	(682) 200-0019
Cash Store	960 North Beach Street	(817) 222-2228
CashMax Title & Loan	5732 Camp Bowie Boulevard	(817) 737-2828
Check `n Go	6742 Forest Hill Drive	(817) 551-8970
ACE Cash Express	5820 Camp Bowie Boulevard	(817) 735-8188
Texas Car Title & Payday Loan Services, Inc.	1516 West Berry Street	(817) 921-0247
TitleMax Title Loans	2015 West Berry Street	(817) 317-8332
Loanstar Title Loans	5155 East Lancaster Avenue	(817) 446-4630
Covington Credit	701 West Berry Street	(817) 926-5955
Service Loan Company	1619 West Berry Street	(817) 920-9411
Regional Finance	1000 Macon Street, Suite 150	(817) 870-9929
Main Finance Services	605 East Berry Street, Suite 103	(817) 207-8809
Check N Title Loans	4501 East Lancaster Avenue, Suite 109	(682) 841-1356
World Finance	301 NW 28th Street, Suite 103	(817) 378-0933
Loan Express	1721 West Berry Street	(817) 923-3300
Amigo Cash	3156 Mansfield Highway	(817) 386-2707

Why Choose LendUp for Payday Loans in Fort Worth, TX

LendUp’s loan-matching service is a great choice for payday loans in Fort Worth because it connects you with multiple lenders at once saving you the hassle of applying one-by-one. This approach boosts your chances of approval, since your application is sent to several potential lenders at the same time.

The process is fast and easy and you can complete the application online in just a few minutes using your phone or computer. Many people receive a loan decision almost immediately, and if approved, the money could be in your account as soon as the next business day.