- Payday loans in Fort Worth follow Texas law (Texas Finance Code chapter 393 (Credit Access Businesses)).
- Texas law sets no cap on payday loan fees, so prices vary widely by lender.
- 8+ credit unions are headquartered in Fort Worth; ask about small-dollar loans before borrowing.
Fort Worth at a glance
| Fort Worth | |
|---|---|
| Population (2024 Census estimate) | 1,008,106 |
| Change since 2020 | +9.1% (growing fast) |
| Counties | Denton County, Johnson County, Parker County, Tarrant County and Wise County |
| Size rank among 1,127 Texas places we cover | 4th |
| Share of Texas’s population | 3.2% |
| Nearest larger city | Dallas (about 34 miles) |
| Credit unions headquartered in town (NCUA) | 8+, 6 federal |
| Credit unions headquartered in these counties | 20 |
| Other towns within 25 miles | 67 (about 1,907,064 residents) |
| Typical payday APR statewide (CRL 2023) | 662% |
There is no separate Fort Worth payday law: Texas rules apply here, and any lender serving Fort Worth residents, online or in person, needs a license from the Texas Office of Consumer Credit Commissioner (OCCC).
Credit unions in Fort Worth
These credit unions have their main office in Fort Worth, according to NCUA call report data (June 2026):
- Ben E Keith Company Employees Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Member Preferred Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Natural Resources Conservation Serv Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Texas People Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Alcon Employees Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- American Airlines Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
- Tarrant County'S Credit Union (state charter)
- Highway District 2 Credit Union (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
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Payday loan rules that apply in Fort Worth
| Rule | Texas |
|---|---|
| How it works | Most payday and title loans are arranged by licensed Credit Access Businesses (CABs) with a third-party lender |
| Fees | CAB fees are not capped by state law, which is why Texas has some of the highest APRs in the country |
| Licensing | Each CAB location must be licensed by the OCCC |
| Local rules | Many Texas cities, including Austin and Dallas, have adopted ordinances that further limit loan size and renewals |
Many Texas cities have their own rules for credit access businesses, such as limits on loan size and renewals. Ask the lender whether Fort Worth has one, or contact the city.
What a $300 loan costs in Fort Worth
The Center for Responsible Lending put the typical APR on a $400 payday loan in Texas at 662% (June 2023). Texas law sets no cap on payday loan fees, so prices vary widely by lender. Check any offer with our payday loan calculator.
Other help in Denton County before you borrow
Before a payday loan, Fort Worth residents can usually find something cheaper:
- Local assistance through 211 covering Denton County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Fort Worth
- River Oaks · 3 mi
- Sansom Park · 3 mi
- Westover Hills · 5 mi
- Westworth Village · 5 mi
- Blue Mound · 5 mi
- Haltom · 5 mi
The nearest larger city is Dallas, about 34 miles away. See all 1,127 Texas cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Fort Worth?
Yes. Payday loans are legal in Fort Worth under Texas state law, and lenders must be licensed by the Texas Office of Consumer Credit Commissioner (OCCC).
How much does a payday loan cost in Fort Worth?
Texas law sets no cap on payday loan fees, so prices vary widely by lender. The typical statewide APR was 662% in 2023.
Are there credit unions in Fort Worth?
Yes. NCUA data lists 8 or more credit unions with a main office in Fort Worth, including Ben E Keith Company Employees Federal Credit Union and Member Preferred Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Texas OCCC — Credit access businesses
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary