Payday Loans Hurst TX: Where Bell Helicopter Started
Payday loans in Hurst, Texas answer to a 2016 city ordinance that most borrowers have never read — one that caps credit access business loans at 20% of a borrower's gross monthly income and holds rollovers to three, adopted the same year as neighbors Euless and Bedford. Texas still sets no statewide fee cap, so a $300 loan on a two-week term commonly runs $50–$90 in Hurst same as anywhere else in the state. What the ordinance actually limits is how big that loan can get relative to what you make, not what it costs to arrange it.
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Most people assume Bell Helicopter is a Fort Worth company. It's not, not originally — Hurst got there first, and that history still shapes who's standing in a payday loan lobby on a Friday afternoon.
Bell Helicopter Started Here, Not in Fort Worth
Bell spent roughly $3 million building its Hurst plant back in 1951, decades before the company's headquarters and much of its manufacturing footprint spread out to Fort Worth, Grand Prairie, and beyond. The Hurst facility never stopped running. It's still there, still assembling and maintaining aircraft components, still employing a workforce that clocks in on rotating shifts.
That kind of manufacturing schedule — swing shifts, overtime weeks, mandatory rotations — doesn't line up neatly with a bank's Monday-through-Friday hours. A payday loan doesn't ask what shift you worked. It asks for a pay stub and a checking account.
Hurst's population sits around 39,900 now, spread across two zip codes — 76053 to the west, closer to the Bell plant, and 76054 to the north, the newer growth side of the city.
North East Mall Might Employ More People Than Bell Ever Did
North East Mall opened in 1972 and has anchored Hurst's retail economy ever since. Between the mall itself and the stores ringing it, it's one of the city's largest employment blocks — right alongside Bell, Hurst-Euless-Bedford ISD, and the Tarrant County College Northeast Campus, which trains a good chunk of the area's healthcare and trades workforce.
Retail and food-service jobs at the mall pay differently than an assembly line does — more hourly, more commission, more schedules that change week to week depending on the season. A part-time sales associate working holiday hours doesn't look like a Bell machinist on paper, but both show up the same way to a lender: a recent pay stub, a bank account, and a documented paycheck.
Median household income in Hurst runs around $72,200 — comfortable on paper, tighter in practice once you split it across a mall worker's variable hours and a mortgage payment that doesn't vary at all.
Why Hurst, Euless, and Bedford All Passed the Same Rule
Texas Finance Code Chapter 393 gives the state no authority to cap what a credit access business charges. It never has. What the state does allow is for individual cities to pass their own structural limits, and in 2016 Hurst did exactly that — the same year as Euless and Bedford, its two neighbors across the Hurst-Euless-Bedford school district.
Under Hurst's ordinance, a single-payment loan can't exceed 20% of a borrower's verified gross monthly income. Rollovers cap out at three, and each one has to cut the principal by at least 25% — the loan actually has to shrink, not just reset. Every CAB in the city also has to register with Hurst directly, separate from its state OCCC license.
None of that touches the fee. Texas still leaves that entirely up to the lender, ordinance or not.
What a Capped Loan Costs in 76053 / 76054
Hurst (76053-76054) Loan Terms
- Lender type: Credit access businesses (CABs), licensed by Texas OCCC and registered with the City of Hurst
- Local ordinance: adopted 2016 — 20% of gross monthly income cap on single-payment loans
- Rollover limit: 3, each requiring a minimum 25% principal reduction
- Example: $2,800/month income caps a single-payment loan at roughly $560
- $300 loan, 14-day term: $50–$90 fee, repay $350–$390
- $500 loan, 14-day term: $80–$135 fee, repay $580–$635
- State regulator: Texas OCCC — (800) 538-1579 — occc.texas.gov
What You Need:
- Texas ID: DL or state ID — photo upload works fine
- Last pay stub: Bell Textron, mall retail, HEB ISD, or any other documented income
- Checking account: U.S.-based, where direct deposit lands
- Phone number: For the agreement and confirmation text
The Cash Store on Precinct Line Road, and What to Check First
Cash Store operates at 1700 Precinct Line Rd Ste 100, in the 76054 side of the city not far from North East Mall. Before signing anything there or anywhere else in Hurst, ask to see both the Texas OCCC license and the city's registration certificate — the 2016 ordinance requires the second, and a location that can't produce it isn't legally operating inside city limits.
If the paperwork checks out, get the total repayment amount in writing before you sign. The income cap controls the loan size, not what you'll owe at the end of it.
Hurst Resources That Cost Less Than a CAB Fee:
- Tarrant County 211 — dial 211 for utility assistance, rental help, and emergency cash programs
- HEB (Hurst-Euless-Bedford) ISD family services — reduced-cost meal programs and referrals for households with kids in the district
- Tarrant Area Food Bank — food assistance that frees up cash for rent or utilities
- Tarrant County College Northeast Campus — financial aid and workforce programs open to the community, not just enrolled students
- Mid-Cities-area credit unions — small-dollar loan products typically priced well under a CAB's arrangement fee
- Earned wage access apps — Dave, Earnin, and Brigit advance already-worked wages for a few dollars, useful for biweekly mall or manufacturing pay
If a licensed Hurst CAB still ends up being the right call, confirm both the OCCC license and the city certificate, and hold the lender to the 20% income cap the ordinance actually spells out. Payday loans in Hurst work the same as anywhere else in Texas once you're past that line — the fee is the fee. The cap is the only thing keeping the loan itself from growing past what a Bell shift or a mall paycheck can cover.
Frequently Asked Questions About Payday Loans in Hurst
Does Hurst have its own payday loan ordinance?
Yes. Hurst adopted a credit access business ordinance in 2016, the same year as Euless and Bedford, following the Texas Municipal League's model language. It caps single-payment loans at 20% of a borrower's verified gross monthly income, limits rollovers to three with each requiring at least a 25% reduction in principal, and requires every CAB operating in the city to register with Hurst on top of holding a Texas OCCC license.
I work the line at Bell Textron in Hurst — does shift work affect approval?
No. Bell Helicopter (now Bell Textron) has operated a manufacturing plant at 600 E Hurst Blvd since 1951 — Hurst was where the company built its first Texas facility, years before its Fort Worth headquarters took shape. Assembly-line and maintenance shifts there run around the clock, and a CAB doesn't care whether your last paycheck came from a day shift or a graveyard rotation. It needs a recent pay stub and a checking account, not a 9-to-5 schedule.
Where can I get a payday loan in Hurst?
Cash Store operates at 1700 Precinct Line Rd Ste 100, Hurst, TX 76054. Before signing anything, confirm the location carries both a current Texas OCCC license and a valid Hurst city registration certificate — the 2016 ordinance requires both, and the city can pull a certificate from a CAB caught ignoring the income cap or rollover limits.
How much does a payday loan cost in Hurst with the ordinance in place?
The ordinance limits loan size relative to income, not the fee itself — Texas has no statewide fee cap for CABs. A $300 loan at a 14-day term typically runs $50–$90 in fees in Hurst, and a $500 loan at the same term runs $80–$135. The cap shows up in the ceiling: a North East Mall retail worker earning $2,800 a month can't be approved for more than roughly $560 on a single-payment loan here, regardless of what a lender might offer someone with the same paycheck in a city with no ordinance.
Do North East Mall's retail jobs count as verifiable income?
Yes. North East Mall has anchored Hurst's economy since it opened in 1972, and between the mall and its surrounding stores it's one of the city's largest employers alongside Bell Textron, Hurst-Euless-Bedford ISD, and the Tarrant County College Northeast Campus. Retail and food-service pay stubs — even part-time or commission-based ones — typically satisfy a CAB's income documentation as long as they're recent and show a real employer.
What if a Hurst lender ignores the ordinance's rollover or income-cap rules?
Don't sign a fourth rollover or a loan sized past 20% of your verified income — that's outside what Hurst's ordinance allows no matter what a storefront claims. File a complaint with the City of Hurst directly, with the Texas OCCC at occc.texas.gov or (800) 538-1579, and with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint if the lender can't produce a valid city certificate alongside its OCCC license.