You can create a Salesforce formula field with a return type of 'Text' that will combine any text fields and any links from a URL field.
For example, you have a URL field called 'URLfield__c' that has a value of 'www.salesforce.com' and a text field that has a field name of 'Textfield__c' with a value of 'Test'.
This is the sample formula that you can create:
HYPERLINK("https://"+ URLfield__c, Textfield__c,'_blank')
The expected results on the formula field:
Test (with a clickable link that opens up a new tab from your current browser to take you to the link that you have specified in the URL field)
Tips for Working with Hyperlink Formula Fields
Known Issue - HL_ENCODED displayed while referencing text formula field
000381087

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