Payday Loans Fort Worth – Applying For a Safe Payday Advance


If you are between paychecks and short on cash, you may be considering a Fort Worth payday loan. They can give you quick cash, which typically needs to be repaid within two to four weeks. While payday loans provide faster cash, their costs can be shockingly high. 

Payday loans are largely unregulated in Texas. That means there aren’t many protections in place for consumers. Common predatory practices include high fees and interest rates because there are no limits. Below we’ll review a few options for cash advances in Fort Worth. 

How To Get a Cash Advance in Fort Worth

Using a payday loan for a cash advance is a costly solution, especially if you live paycheck to paycheck. For a cash advance in Fort Worth, there are several options available. 


Max Advance Amount: $250

APR: 0%

Credit Affects: None

Instacash from MoneyLion is a quick way to get an immediate cash advance. Just link the MoneyLion app to your bank account and apply. You’ll have an answer back within minutes. If you qualify for Instacash, the funds are deposited into your account within a couple days or immediately if you choose Turbo funding for just $3.99 when you deposit the funds into a RoarMoney account. Instacash charges zero interest on money borrowed. 

How to Qualify: 

  • Be 18 years or older
  • Have a bank account open for at least 60 days
  • Your bank account balance is positive
  • Show proof of recurring income or deposits

In-Person Lender

Max Payday Loan Amount: No limit

APR: No legal limit, however average APR rates run as high as 662%

Credit Affects: No impact on your credit when you take out a payday loan, but late payments are reported to the credit bureaus .  

Whether you visit a payday store in-person or online, you need to complete an application for a payday loan. You must provide proof of who you are, how much you make, and that you have a bank account. Depending on the lender, approval may take a few minutes or several hours. If you qualify for a payday loan, funds are usually direct-deposited into your account within a few days.  

Payday loans are an expensive way to get a cash advance. If you have no other choice, be sure that you understand the amount of interest and fees charged, as well as when the loan must be repaid before you sign anything.

How to Qualify: 

  • Must be at least 18 years of age
  • Government-issued photo ID
  • Proof of recent income (check stub, deposit, letter)
  • Active checking account
  • Social security number

Instant Online Loan Options in Fort Worth from MoneyLion

An instant online loan gets you a better interest rate and a longer repayment term than a payday loan. They do not require hard credit checks but can help your credit score when you make timely payments. Below you’ll find some of the best online loan options for Fort Worth.

Credit Builder Loan

Loan Amount: You could qualify for up to $1,000

Credit Affects: On-time payments can boost your credit score by an average of 60 points in 60 days. 

If you are looking for a cash advance and a healthy way to raise your credit score, a Credit Builder Loan from MoneyLion may be just what you need. 

Since Credit Builder Loans do not require a hard credit check, you can qualify even if you have bad credit or no credit history. With convenient repayment options and competitive interest rates, Credit Builder Loans are an easy way to access cash while improving your credit score.

How to Qualify:

  • Applicant must be at least 18 years old 
  • U.S. citizen or permanent resident
  • Provide personal information such as your name, address, and social security number
  • Have an active bank account to make loan payments from

What’s Included?

  • A loan up to $1,000 paid over the course of 12 months
  • Credit monitoring and updates weekly
  • Your Credit Reserve Account acts as a built in savings account that earns interest 
  • Improved credit up to 60 points in 60 days!
  • Additional Instacash benefits

Comparing Your Cash Advance Loan Options in Fort Worth

How do different cash advance options compare with each other?  We’ve compiled key information about Fort Worth loan options so that you know what to expect.

InstacashCredit Builder LoanIn-Person Payday Lender
How Much Can You Borrow?$250$1,000Lender Determined
Fees & InterestFree0% APRCompetitive APR, $19.99/month feeUnlimited / Average 662% APR
Impacts Your Credit?NoYes, it builds your credit score. Impacts your credit if you are late with your payments
AvailabilityOnline & MobileOnline & MobileOnline & in-person
Wait TimeInstantly*InstantlyUp to a few days
Next StepsSign UpSign Up

Get Fort Worth Payday Advances Without Predatory Loans 

When you need a cash advance, predatory payday loans take advantage of people who need cash advances. With minimal regulation in Texas, consumers who take out payday loans may borrow more than they can afford to pay back or get stuck with high interest and fees tacked on to what they owe.

If you are looking for easy and affordable cash advance options, you can signup with MoneyLion. With a few clicks on the app, you can automatically invest your money, open up a checking account and track your spending, or apply for a credit builder loan online.  MoneyLion gives you the tools to take care of your financial health without breaking the bank. 

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Build your credit and save

Join Credit Builder Plus to get a loan up to $1,000, credit monitoring, exclusive rewards, access to 0% APR cash advances, and more. Over half of members raise their credit over 60 points within 60 days!

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