Fort Worth, TX · South · CSO model
Payday loans in Fort Worth
Fort Worth is governed by Texas's statewide lending law — cities don't set their own loan rules. Texas runs a credit services organization (CSO) model: lenders operate through licensed brokers, which changes how fees appear on paper — the loan math below shows what that means in practice.
Compare the total you repay — broker fee plus the note — never the headline note rate.
Lending storefronts in Fort Worth
854,113 residents · Denton County / Johnson County / Parker County / Tarrant County / Wise County Median household income is $53,214 — below the Texas median of $59,624.
30 storefront locations of 18 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| 1FirstCashAdvance - Texas Check Cashing/Pay-day Loans, Installment Loans | 4500 Mercantile Plz Ste 301, 76137 | (817) 934-4446 | Mon 8:00 AM - 10:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 9112 Camp Bowie West Ste 120, 76116 | (817) 560-8467 | Mon 10:00 AM - 6:00 PM · hours vary |
| Auto Security Finance Auto Loan Providers | 3001 Alta Mere Dr, 76116 | (817) 732-6000 | Mon 9:00 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 960 N Beach St, 76111 | (817) 222-2228 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 3206 Sycamore School Rd, 76133 | (817) 361-8110 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6387 Camp Bowie Blvd Ste A, 76116 | (817) 377-4462 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4869 Bryant Irvin Rd, 76132 | (817) 423-9944 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6270 Oakmont Blvd, 76132 | (817) 263-7222 | Mon 9:00 AM - 7:00 PM · hours vary |
| Check N Title Loans Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 4501 E Lancaster Ave Ste 109, 76103 | (682) 841-1356 | Mon 9:00 AM - 6:00 PM · hours vary |
| Continental Credit Installment Loans | 2901 Alta Mere Dr Ste 950, 76116 | (817) 336-2051 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| First American Finance Installment Loans | 1801 W Berry St Ste 101, 76110 | (817) 927-7042 | Mon–Fri 8:00 AM - 10:00 PM · Sat–Sun Closed |
| Freshfield Finance Installment Loans | 4008 Freshfield Rd, 76119 | (817) 719-8708 | Open 24 hours daily |
| Ft Worth Finance Installment Loans | 1807 W Berry St, 76110 | (817) 927-5000 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Highcrest Financial Check Cashing/Pay-day Loans, Installment Loans | 4200 South Fwy Ste 520 La Gran Mall Tower, 76115 | (817) 908-6231 | Mon 10:00 AM - 6:00 PM · hours vary |
| Loan Express Installment Loans | 1801 W Berry St Ste 101, 76110 | (817) 923-3300 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Lone Star Ag Credit - Fort Worth Installment Loans | 1612 Summit Ave Ste 300, 76102 | (817) 332-6565 | Mon 8:00 AM - 4:30 PM · hours vary |
| Morningside Personal Loans Installment Loans | 1104 E Mulkey St, 76104 | (817) 616-1200 | Open 24 hours daily |
| Oportun Installment Loans | 241 NE 28th St, 76106 | (817) 813-4177 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 4200 S Fwy, 76115 | (817) 813-4176 | Mon–Fri 9:00 AM - 7:00 PM · Sat–Sun 11:00 AM - 7:00 PM |
| Oportun Installment Loans | 1212 N Beach St, 76111 | (817) 813-4296 | Mon 11:00 AM - 6:30 PM · hours vary |
| Rise Installment Loans | Fort Worth, 76109 | (866) 580-1226 | Mon–Fri 7:00 AM - 10:00 PM · Sat–Sun 8:00 AM - 4:00 PM |
| Security Finance Installment Loans | 5980 Rufe Snow Dr Ste 110, 76148 | (817) 428-2549 | Mon 9:00 AM - 5:00 PM · hours vary |
| Security Finance Installment Loans | 2901 Alta Mere Dr Ste 950, 76116 | (817) 336-2051 | Mon 9:00 AM - 5:00 PM · hours vary |
| Security Finance Installment Loans | 1621 W Berry St, 76110 | (817) 926-4492 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Speedy Cash Check Cashing/Pay-day Loans | 2812 N Main St, 76106 | (817) 626-2774 | Mon 8:00 AM - 8:00 PM · hours vary |
Showing 25 of 30 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Texas page before visiting. Spot an error? Report it.
The online route in Fort Worth
Texas online lenders run the same CSO math as storefronts — broker fee on top of the note — when they are licensed in the state. Loans routed through partner banks or tribal charters sit outside the state schedule, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Texas regulator.
The rules behind the numbers
Credit Access Businesses (CABs) charge fees for arranging loans with third-party lenders, resulting in high-cost short-term credit.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 400% - 600% APR. Every compliant lender in Fort Worth has to fit inside that schedule.
Statute: Tex. Fin. Code Ch. 393
Regulator: Texas Office of Consumer Credit Commissioner · occc.texas.gov
Questions people ask in Fort Worth
How do payday loans work in Fort Worth, TX?
Fort Worth operates under Texas's CSO (credit services organization) model: a licensed broker arranges the loan with a third-party lender and adds a broker fee on top of the note. The note rate looks lower; the broker fee is where the real cost sits.
What does a CSO-arranged loan cost in Fort Worth?
On a $300 advance you repay about $360 once the broker fee and the note are both settled — roughly 400% - 600% APR on a standard term. The math is set by state law, so it is the same in every Texas city.
Which CSO storefronts are in Fort Worth?
30 storefronts are listed in Fort Worth in our 2022-02-20 directory snapshot (18 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Fort Worth?
Complaints about a lender go to the Texas Office of Consumer Credit Commissioner (occc.texas.gov) — keep the loan agreement and every fee disclosure you were given.