Fort Worth Payday Loans
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Ah, Fort Worth. What could make the city of Cowboys and Culture even better? Well, being able to afford living there for one thing. Fort Worth is a big, iconic, typically-Texan city. And it’s got it all: history, art, military museums, the Fort Worth Zoo and Botanic Gardens, and more. Unfortunately, not all residents of Fort Worth are able to enjoy the finer things the city has to offer. There are many people in the Dallas-Fort Worth metro area that struggle every day to pay their bills and put food on the table.

Borrowing Money in Fort Worth

Sometimes it feels like there aren’t any good options for getting fast cash. The resources above are great for specific social services, but what if you’re in a bind and just simply need money? Most people end up turning to loans. Unfortunately, there are many predatory lenders out there that profit from high-cost, unfair loans. If you’re shopping around for a new loan in Fort Worth, make sure you understand all the rates and terms involved before deciding.

Fort Worth Payday Loans
Quick cash for emergencies might create financial emergencies.

Fast cash may sound good if you’re in a bind. However, taking out the wrong kind of loan can mean a lot of trouble down the line. Payday loans are widely available in Fort Worth, but taking out one of these high-dollar, short-term loans will quickly teach you the cost of payday lending in Texas.

A payday loan is one that you take out with the promise that you will return the money with your next paycheck. In addition to returning the amount you borrow, you’ll also be forced to pay very high interest rates and additional fees. These loans are usually only two weeks to a month long, which means you don’t have much time to pay off your balance. This is when things start to become even more expensive.

Many people are unable to pay the loan on the due date because of the short terms and expensive rates. This leads to a process called “rollover”. Rollover means extending your loan and paying an additional fee to do so. Ideally, a payday loan would last a couple weeks or maybe a month. But according to the Consumer Financial Protection Bureau, payday borrowers are in debt for an average of 11 months or longer.(2) The longer you extend the loan, the more you’re paying over time.

This is all perpetuated by the state of Texas, which doesn’t have very many regulations to control these dangerous loans. In Texas you’ll find average APRs for payday loans hovering around 457-522% for loans lasting 19-152 days.(3)

If you live in Fort Worth, Texas and you need help with a tough financial situation, keep in mind that the price for a payday loan will be about twice as much as other states.(4)3 Do your research and find an option that won’t leave you in debt. Contact the Texas Fair Lending Alliance with any questions or concerns about payday loans in Fort Worth.

Subprime Reports

See more local Texas Subprime Reports below:

Arlington Payday Loans | Austin Payday Loans | Dallas Payday Loans | El Paso Payday Loans | Fort Worth Payday Loans | Houston Payday Loans | Irving Payday Loans | Killeen Payday Loans | McAllen Payday Loans | Plano Payday Loans | Round Rock Payday Loans | San Antonio Payday Loans | Tyler Payday Loans | Waco Payday Loans


  1. Hirst, Caty. “Homelessness in Fort Worth a cycle of despair, frustration.” Star-Telegram. October 18, 2015. Accessed March 3, 2016
  2. Wheeler, Jason. “The Debt Trap: The cost of payday lending in Texas” WFAA8 ABC. February 7, 2015. Accessed February 17, 2016.
  3. Pulling Back the Curtain: Shining A Light on Payday and Auto Title Loan Businesses in Texas.” Texas Appleseed. Accessed February 9, 2016.
  4. “FAQs” Texas Fair Lending Alliance. Accessed February 9, 2016.
  5. “Texas Pawnshop Rate Chart – July 1, 2015 to June 30, 2016 Only.” Texas Office of Consumer Credit Commissioner. Accessed February 9, 2016.

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.