5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Fort Worth (TX)

We have found 120 personal loans to apply for in Fort Worth, TX. Add more criteria to compare personal loans and find the best one for you.

By Myfin Team
Updated March 28, 2024
Showing 120 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
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Showing 120 personal loans
Amount
$
Credit Score
City, state or Zip
  • Fort Worth, TX
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Fort Worth

Showing 5 banks
Sort by: Branches
Branches 30 bank branches
Total Assets (US$M)3,380,824,000
Riverside
Thursday: 9:00 AM - 5:00 PM
Lake Worth Jacksboro Hwy
Thursday: 9:00 AM - 5:00 PM
Clifford And Western Trade
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 20 bank branches
Total Assets (US$M)1,712,535,000
Wells Fargo Tower
Thursday: 9:00 AM - 5:00 PM
Fort Worth Medical Center
Thursday: 9:00 AM - 5:00 PM
Montgomery Plaza
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 15 bank branches
Total Assets (US$M)87,218,368
Eastchase Branch
1689 Eastchase Parkway, Fort Worth, TX, 76120
Camp Bowie West Branch
8875 Camp Bowie West Blvd, Fort Worth, TX, 76116
Alliance Branch
13388 North Freeway, Fort Worth, TX, 76177
Show all departments
Branches 13 bank branches
Total Assets (US$M)2,440,022,000
West 7th
Thursday: 9:00 AM - 4:00 PM
Camp Bowie
Thursday: 9:00 AM - 4:00 PM
Timberland Crossing
Thursday: 9:00 AM - 4:00 PM
Show all departments
Branches 10 bank branches
Total Assets (US$M)51,845,683
Downtown Fort Worth Motor Bank
901 West Seventh Street, Fort Worth, TX, 76102
City View Branch
5651 Bryant Irvin Road, Fort Worth, TX, 76132
Stockyards Branch, The
201 Northeast 28Th Street, Fort Worth, TX, 76164
Show all departments

How to Choose the Ideal Personal Loan in Fort Worth, Texas?

Personal loans can serve as a valuable tool for closing financial gaps and enhancing your overall financial health. Nevertheless, it's crucial to opt for a loan that matches your individual financial circumstances. Here are some tactics to assist you in evaluating and picking the most fitting personal loan in Fort Worth.

Annual Percentage Rates (APR)

When assessing loan alternatives, make sure to compare the APR. Unlike the basic interest rate, the APR offers a comprehensive perspective by including fees and additional charges. By comparing APRs, you can discern which loan will ultimately be more costly. In Fort Worth, APRs typically vary between 4.49% and 36%.

Loan Amount

Conduct research on the available loan amount options to locate a lender that can provide the specific amount you require. In Fort Worth, personal loans are accessible with amounts ranging from $100 to $500,000. Moreover, contemplate lenders that offer the option to withdraw loans incrementally, as this flexibility allows you to pay interest solely on the portion of the loan you use.

Monthly Payments

Ensure that the monthly payment amount comfortably fits within your budget. It is crucial to manage your regular expenses while also repaying the loan and covering the interest.

Credit Requirements

Most lenders prefer borrowers with good to excellent credit scores (typically 670 or higher). However, some lenders may consider individuals with poor to fair credit. While a higher credit score increases approval chances, it does not guarantee better interest rates. In Fort Worth, the minimum acceptable credit score is categorized as Poor (300 - 579). Tailor your loan search to lenders offering favorable terms based on your credit score.

Collateral

Although personal loans are typically unsecured, meaning they do not require collateral, some loans may require it. Secured loans often come with lower interest rates due to reduced lender risk. On the other hand, unsecured loans generally have higher interest rates.

Origination Fee

Many lenders charge origination fees alongside interest charges. These fees, expressed as a percentage of the total loan amount, vary among lenders. Opting for a personal loan with lower processing fees can lead to long-term cost savings.

Compare and choose the best personal loan in Fort Worth

By comparing and considering all factors, you can make an informed decision and choose the best personal loan in Fort Worth, Texas that aligns with your financial needs and goals.

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

Tips to Increase Your Personal Loan Approval Odds in Fort Worth, Texas

  • Enhance Your Creditworthiness. Elevate your credit score to boost your chances of loan approval. This entails adhering to timely debt payments, maintaining a low total credit utilization ratio, minimizing new credit applications, and rectifying any errors found on your credit report.
  • Increase Your Income. Augmenting your income enhances your debt-to-income ratio, which in turn increases your approval likelihood. You can pursue a salary increase at your current job or explore part-time employment options to supplement your earnings.
  • Avoid Accumulating New Debt. While in the process of applying for a personal loan, steer clear of accumulating additional debt. Lenders perceive added debt as a risk factor that diminishes approval prospects. Concentrate on settling your existing debts to reduce your overall debt burden.
  • Set Realistic Loan Amounts. Lenders generally favor smaller loan amounts to mitigate risk. Calculate the exact sum you need and request the minimum required. Smaller loan amounts are more likely to be approved and easier to repay.
  • Consider Joint Applicants. Exploring the inclusion of joint applicants or co-signers enables lenders to assess both credit scores and incomes, potentially enhancing approval chances. Ensure the reliability of joint applicants or co-signers, as your financial obligations will be interconnected.

Conclusion

By following the tips mentioned above, you can significantly increase your chances of obtaining a personal loan in Fort Worth, Texas. It is important to start the loan process early and take proactive steps to improve your chances of approval.

FAQ

What is the highest interest rate on a personal loan in Fort Worth, Texas?

The highest interest rate on personal loan in Fort Worth is 36%.

What is the biggest loan amount in Fort Worth, Texas?

The biggest personal loan amount in Fort Worth is $500,000.

What credit score do I need to have to get a personal loan in Fort Worth, Texas?

To get approved for a personal loan in Fort Worth you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

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