V
Venture Payday Loans
Contact
BBB:
Part of the US Cash Advance chain · locations
US Cash Advance in Fort Worth, TX
Fort Worth, TX payday loans at US Cash Advance on W Seminary Dr — fast cash when you need it most.
Data compiled from public sources · Rating from CreditDoc methodology
US Cash Advance Review
Located at 2502 W Seminary Dr #1003 in Fort Worth, TX, the US Cash Advance storefront offers quick access to short-term lending services in the Seminary/medical district area. The branch is open Monday through Friday from 8 AM to 9 PM, and Saturday and Sunday from 10 AM to 7 PM, making it convenient for local residents to drop in after work or on weekends.
This Fort Worth location specializes in payday loans and title loans, with trained staff ready to help you understand your options. Call 682-538-4501 to discuss your borrowing needs, get pre-qualified, or ask questions about required documentation and rates. Same-day approval is often available for qualified customers.
If you're a Fort Worth resident needing quick cash for an unexpected expense, bring your state ID, proof of income, and banking information. US Cash Advance focuses on speed and transparency to get you the funds you need fast.
Services & Features
Bad Credit Personal Loans ($250–$50,000 via third-party lenders)
Cash Advance Loans (up to $1,000)
Cash Loans
Debt Consolidation
In-Person Loan Processing (Detroit location)
Loans Without Credit Check
Online Loan Inquiry / Third-Party Lender Matching
Payday Loans (up to $1,000)
Personal Loans for Bad Credit
Quick Loans
Same Day Loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Extended hours: Mon–Fri 8am–9pm and weekends 10am–7pm
- Accepts all credit types including bad credit
- In-person walk-in option at Detroit storefront with reportedly friendly staff
- Fast in-store process — customer reviews cite under 45 minutes for approval
- No collateral required on any loan product
- Same-day funding available
- Minimum paperwork requirement advertised
Cons
- Acts as a lead generator, not a direct lender — final APR and terms set by third-party lenders, not disclosed upfront
- Support email uses a Kinsta cloud staging domain, not a professional branded address
- No APR, fee schedule, or rate ranges disclosed anywhere on the page
- Physical presence appears limited to a single Detroit location
- The $50,000 bad credit loan claim is inconsistent with the payday/cash advance focus and likely refers to partner lender products with unknown terms
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is US Cash Advance legitimate?
Yes. US Cash Advance is a registered company, headquartered in 2502 W Seminary Dr #1003, Fort Worth, TX 76115.
Quick Facts
- Headquarters
- 2502 W Seminary Dr #1003, Fort Worth, TX 76115
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on US Cash Advance
US Cash Advance is best suited for Detroit-area borrowers with bad credit who need a small emergency loan quickly and prefer in-person service with extended hours. The key caveat is that it operates as a loan broker or lead generator — actual loan terms, APR, and fees are determined by third-party lenders, not disclosed on the site, so borrowers must scrutinize any offer before accepting.
Best For
- Detroit-area residents needing fast cash under $1,000 with same-day access
- Borrowers with poor or no credit who have been turned down by banks
- Consumers who prefer in-person loan assistance over purely online applications
- People facing a one-time emergency expense needing a small unsecured loan quickly
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to US Cash Advance and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.