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Frequently Asked


What kind of loans does Worth Finance offer?2022-04-13T18:40:24-05:00

Worth Finance exclusively offers personal installment loans. Personal means that these loans are taken out by individuals for whatever they may need, rather than being associated with a single purchase like an auto or home loan. Installment refers to the fact that all of our loans are paid back on a long-term, month-to-month basis, rather than the whole sum of the loan being due the next month. Additionally, all of our loans are unsecured, meaning we do not require collateral such as a car title, and instead make our loan offers based on customer’s credit history.

Does Worth Finance offer Payday loans?2022-04-13T18:41:37-05:00

No, Worth Finance exclusively deals in longer-term installment loans. We believe these are a more manageable and responsible option for our customers long-term financial health than a quick turn-around payday loan.

How can I apply for a loan?2022-04-13T18:42:42-05:00

We currently accept applications for loans over the phone, or in person at any of our locations. One of our customer service representatives will walk you through the process of confirming your identity and present you with available loan terms based on your credit (please note that our process does include a pull of your credit report).

What loan amounts are available to me?2022-09-13T14:55:11-05:00

In accordance with Texas regulations, we offer loans ranging from $200 to $1600. The right loan for you will depend on your credit and what your immediate needs are. Our service representatives will be happy to walk you through all of your available financing options before you sign your loan contract.

What kind of fees does Worth Finance charge?2023-03-15T12:15:03-05:00

Worth Finance believes that excessive fees obscure the true cost of credit for our customers. That’s why we’ve minimized our fees as much as possible. There is a new loan Acquisition Charge of 10% of Loan Amount, not to exceed $100, for all new loans (this amount is included in your loan calculations, so you will not need to pay this up-front). The only other potential fee is either $10 or 5% of the payment amount (whichever is greater) for a late payment. There are no fees for card transactions, and no other secret fees.

When will my payment be due?2022-04-13T18:46:22-05:00

Payments will be due once a month, based on the date that you received your loan. You are able to receive payment reminder texts or phone calls if you opt into our reminder programs.

Does Worth Finance have access to my bank account or debit card?2022-04-13T18:47:45-05:00

No. Worth Finance never saves any of our customer’s bank account information, or any of their credit or debit card information, so we cannot pull any money out of your account without your permission. We believe it is important for customers to be in complete control of their payments, and as such all payments and instant funding are done through a one-time transaction that does not maintain any link to customers’ accounts.

Is there a penalty if I pay off my loan in advance?2022-04-13T18:49:10-05:00

No. There are no prepayment penalties, and there are no issues with getting ahead of your payments. In fact, completely paying off your loan in advance of your loan date can result in a decrease in the amount of interest you pay towards your loan. Fee free to ask any of our service representatives how paying off your loan early will affect your loan payoff.

Don’t see your question here?2022-04-13T18:50:09-05:00

No problem, just reach out to any of our branches and we’ll be happy to answer any questions you may have.

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