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


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


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


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


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

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.

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.


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.