Top Lenders & Best Picks for You

Best Personal Loans in Fort Worth, TX

Banner image
Reviewed byMorgan Hull
fact checked icon
fact checked icon
Reviewed byMorgan Hull
fact checked icon

Updated: December 28, 2023

Advertising & Editorial Disclosure

MoneyGeek's Picks for Best Personal Loan Lenders in Fort Worth, TX

To help you find the best personal loans in Fort Worth, MoneyGeek evaluated lenders for over 30 data points. Our analysis took into consideration lenders’ loan accessibility and affordability, average annual percentage rate (APR), minimum credit score and income requirements and other rates and fees. MoneyGeek also considered ratings from the Better Business Bureau (BBB) and other features to identify the best personal loan lenders in Fort Worth.

MoneyGeek analyzed the best lenders in Fort Worth for different profiles including borrowers with poor credit, those with good credit and borrowers looking to consolidate debt.

Best Personal Loan Lender Overall in Fort Worth: Truist

  • Truist

    • 8.14% to 18.99%APR Range
    • NoneMinimum Credit Score
    • $3,500 to $50,000Loan Amount Range
    • 6 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Truist was formed in 2019 from the merger of BB&T and SunTrust. Though the lender is headquartered in Charlotte, North Carolina, its personal loans are offered in 15 states, including Texas.

    Truist offers flexible loan amounts at relatively low APR rates ranging from 8.14% to 18.99%, depending on the borrower’s creditworthiness. A variety of payment terms, ranging from six months to five years, are also available. This lender has no minimum gross income requirement. It also doesn't require a minimum credit score.

    Despite these benefits, it’s important to note that Truist has no prequalification option and conducts hard credit checks which may impact your credit score. Personal loans from Truist also face certain restrictions on fund use.


    • Relatively low APR rates
    • No origination fees
    • No prepayment fees
    • Short fund disbursement time
    • Auto payment discounts


    • Prequalification not available
    • Hard credit checks
    • High minimum credit score
    • Co-signers not allowed
    • Restrictions on fund usage

Best Personal Loan Lender for Bad Credit in Fort Worth: Upstart

  • Upstart

    • 3.22% to 35.99%APR Range
    • 300Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Upstart is an artificial intelligence (AI) driven lending platform based in San Mateo, California. Since the company was founded in 2012, it has originated over $25.4 billion worth of loans. This lender requires a relatively low minimum credit score of 300 and offers short fund disbursement times for borrowers who need loans fast.

    Upstart stands out among lenders in Fort Worth for its accessibility, since borrowers do not need a lengthy credit history to qualify for a loan. With this lender, you can borrow loan amounts from $1,000 to $50,000, making it a good option for both small and large expenses. Upstart has a convenient online application process and you can also check if you prequalify for a loan without affecting your credit score.

    Though no minimum credit score is required to apply for a loan with Upstart, you may be charged an interest rate up to 35%. The lender also charges origination and late fees, which could increase the amount of your loan even more.


    • Relatively low credit score requirement
    • No prepayment penalties
    • Variety of loan amounts
    • Soft credit inquiry
    • Funds available on the next business day


    • Minimum gross income requirement
    • Relatively high APR rates
    • Late fees
    • Origination fees
    • Debt-to-income (DTI) limit of 45% or less

Best Personal Loan Lender for Good Credit in Fort Worth: SoFi

  • SoFi

    • 5.74% to 20.28%APR Range
    • 680Minimum Credit Score
    • $5,000 to $100,000Loan Amount Range
    • 12 to 60 monthsRepayment Terms
    • Two DaysTime to Receive Funds

    SoFi was founded in 2011 and received an A+ rating from the BBB. If you have a high credit score, SoFi is the best lender for personal loans in Fort Worth.

    SoFi personal loans can be used for various purposes including funding home renovations, financing large purchases and consolidating debt. This lender has relatively low fees and borrowers do not incur any origination or early payment fees. Borrowers can also get discounts for signing up for auto payment, making the loan even more affordable.

    To qualify for a SoFi loan you need a minimum credit score of at least 680 and a minimum gross income of $50,000. You can find out if you prequalify for a SoFi loan online without a hard credit pull so your credit score will not be impacted.


    • No origination fees
    • No penalties for prepayment
    • High loan limits
    • Auto payment discounts
    • Employment protection


    • High minimum gross income requirement of $50,000
    • High minimum credit score requirement of 680
    • Restrictions on fund usage
    • Fund disbursement takes up to two days

Best Personal Loan for Debt Consolidation in Fort Worth: Upgrade

  • Upgrade

    • 5.94% to 35.47%APR Range
    • 560Minimum Credit Score
    • $1,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Same DayTime to Receive Funds

    If you’re looking for a personal loan for debt consolidation in Fort Worth, Upgrade is the best option. Upgrade offers borrowers flexible loan limits ranging from $1,000 to $50,000 with direct payment to creditors for debt consolidation.

    Upgrade has a minimum credit score requirement of 560, but it does not have a minimum gross income requirement. This lender is ideal if you need a loan quickly since funds are typically disbursed on the same business day of your loan application approval.

    With Upgrade, borrowers will incur origination fees and potentially late fees. APR rates are also relatively high, though borrowers with good credit may qualify for lower interest rates.


    • Auto-pay discounts
    • No prepayment fees
    • Pre-qualification available with soft credit inquiry
    • No minimum gross income requirement
    • Option for direct payment to creditors available


    • Late fees
    • Origination fees
    • High APR rates
    • Co-signers not allowed

Best Personal Loan Lender for Home Improvement in Fort Worth: Best Egg

  • Best Egg

    • 4.99% to 35.99%APR Range
    • 700Minimum Credit Score
    • $2,000 to $50,000Loan Amount Range
    • 36 to 60 monthsRepayment Terms
    • Next DayTime to Receive Funds

    Best Egg was founded in 2014 and is available in 47 states including Texas. MoneyGeek’s analysis found that Best Egg offers the best personal loans in Fort Worth for home improvement.

    Best Egg offers flexible loan amounts with repayment terms of up to five years. This lender also allows multiple uses for personal loans including home improvement, debt consolidation, relocation, large purchases and other expenses. However, borrowers need a high credit score of at least 700 and a minimum gross income of at least $50,000 to qualify for its loans. This lender does not allow co-applicants.

    You can conveniently manage your account and check rates online without affecting your credit score.


    • No prepayment penalties
    • Auto payment discounts
    • Pre-qualification with soft credit inquiry
    • Quick disbursement of funds
    • Widely available — offered in 47 states excluding Iowa, Vermont and West Virginia


    • High minimum credit score requirement
    • High minimum gross income requirement
    • High interest rates
    • Origination fees
    • Late fees
    Best Egg

How to Choose the Best Personal Loan Lender in Fort Worth for You

In Texas, the average personal loan debt is $15,505. Personal loans can be used for financing large purchases and consolidating debt. However, before applying for a personal loan in Fort Worth, it is important to consider factors such as your gross income, DTI ratio, credit score and current debts. These factors will be used by lenders to qualify you for a loan so it’s important to choose a lender with the best rates and terms for your specific profile.

Ask Yourself the Important Questions

Before you apply for a personal loan, it’s important to ask yourself the following questions:

  1. How much funding do I need? Lenders offer different loan limits and the best for you may depend on the amount you need to borrow.
  2. What is my credit score? Lenders use your credit score to determine whether you qualify for a personal loan. Your interest rates and the loan limit you’re eligible for may also be impacted by your credit score.
  3. Can I afford the monthly payment? When you take out a personal loan, you will be required to make monthly payments so it is important to first consider whether you can afford the monthly payments.
  4. How much debt do I already have? Your DTI ratio is an important factor since it will determine your ability to pay back your loan. Some lenders may also require you to have a certain minimum DTI ratio to qualify for a loan.
Do Your Research

Personal loan lenders have different minimum requirements, fees, interest rates and accessibility options. Because of this, it’s important that you research and compare providers to find the best lender for your profile.

MoneyGeek recommended the best lenders for certain situations, but a different lender may be best for you based on your needs. By doing your own research, you can identify the lender that’s best for your specific needs.


Personal loans are a long-term commitment so we advise that you wait a few days before applying for a loan. Taking a few days to weigh your options will help you make the right decision based on your current financial situation.

Read the Fine Print

Fees like prepayment penalties, late payment fees and other charges can stack up over time, making your loan more costly. It’s important that you read and understand the fine print on your personal loan before signing up so that you are aware of all applicable fees and terms.


Once you’re confident that you have selected the right lender and that you can handle the financial implications of a personal loan, you can go ahead and apply for the loan. Lenders will typically require your personal information including income and financial statements.

With most personal loan lenders in Fort Worth, you can apply conveniently online. Some lenders also allow you to check rates and limits online without impacting your credit score. However, you may want to consult the lender in person or over the phone if you need clarification on terms and fees before applying.

What to Do if You Can’t Get a Personal Loan in Fort Worth

In some cases, your personal loan application may get declined. This can happen due to your credit score, DTI ratio or other factors.

If your application is rejected it’s important to ask the lender why you were denied. This will help you understand how to modify your application to get approved in the future. For instance, if you’re rejected due to a low credit score, you can either work on improving your credit score before reapplying or apply with a different lender that has a lower minimum credit score requirement.

We recommend that you avoid reapplying until you’ve improved the factor that caused you to be initially denied for a loan. Payday loans may seem like a viable alternative if you are declined for a personal loan but we strongly advise against them due to their high interest rates and short repayment periods.

Frequently Asked Questions About Personal Loans in Fort Worth

The best personal loan lender in Fort Worth for you will depend on your needs and various other credit and income factors. To help you learn more about personal loans in Fort Worth, we answered some of the most common questions.

What is the best personal loan lender in Fort Worth?
Which lender in Fort Worth has the lowest interest rate?
Can I use a personal loan for vacations in Fort Worth?
Can I use a personal loan for home improvement in Fort Worth?
What can I not use my personal loan for in Fort Worth?
How much can I borrow in Fort Worth?
How long does it take to get a personal loan in Fort Worth?
Can I pay off my loan early in Fort Worth?

Our Personal Loan Methodology

MoneyGeek reviewed more than 30 personal loan lenders using 35+ data points across six key categories: loan affordability, accessibility, consumer friendliness, customer service, flexibility and lender transparency.

To evaluate lenders within each category we considered several individual data points that we feel carry the most weight when choosing a personal loan lender. These data points include APR ranges,loan limits, minimum credit score, minimum income amount, application fees and disbursement time.

Here at MoneyGeek, we value user experience so in our analysis we also factor in each lender’s customer support, business ratings and additional features that make the user experience better for the consumer such as prequalification and payment options and availability of mobile apps.

MoneyGeek’s picks are decided and chosen with your best interest in mind. Our recommendations for personal loan lenders and expert tips are meant to help you make the best decision when choosing a lender that suits your needs.

Shield Insurance

The content on this page is accurate as of the posting/last updated date; however, some of the rates mentioned may have changed. We recommend visiting the lender's website for the most up-to-date information available.

Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, lender or other entity. Learn more about our editorial policies and expert editorial team.