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Installment Loans in Texas

ACE Cash Express offers installment loans in Texas in loan amounts from $100 - $2,000 online and in stores (except stores in Austin and Dallas).1 That’s money that can be helpful when hard times strike. Apply for an installment loan online and receive an instant decision! You can also visit us in store to apply and receive an instant decision. 

Installment loans offer more time to repay than traditional payday loans.2 Rather than repaying your loan all at once, you can repay in payments over time. You can choose to pay off your loan early, which may save you money on interest and fees (where applicable).

ACE offers different ways to receive online loan funds.

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    Deliver funds instantly to a qualifying debit card.3

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    Deposit money into your bank account overnight.1

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    Pick up cash at your nearest ACE Cash Express store.1

What Do I Need to Apply

What Do I Need to Apply image

What Do I Need to Apply for an Installment Loan?

Anyone is free to apply for a loan. The process is quick and simple, and all you need are a few pieces of information to get the loan application started. Refer to the guidelines below. 

Texas Installment Loan Questions

You can apply for an installment loan online or in person at an ACE Cash Express store location (except Austin and Dallas).


The online application process is simple! 

Apply for an installment loan online. 

  1. Complete the installment loan application. This takes just a few minutes. 
  2. Receive an instant decision. 
  3. If approved, have your loan proceeds instantly delivered to your debit card if eligible,3 or direct deposited to your bank account by the next business day, or depending on your state and if eligible, pick up cash at a store near you! 1


Applying in-store is quick and simple, too! 

Apply for an installment loan at an ACE Cash Express store location (except Austin and Dallas).

  1. Use the Store Locator to find a store near you to apply in person 
  2. Receive an instant decision.
  3. If approved, walk out with cash in hand immediately.

In-store and online installment loans at ACE Cash Express in Texas are available from $100 to $2,000. Installment loans are not available in-store in Austin and Dallas. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1  

If approved for a loan and to have money instantly funded to your debit card, the loan proceeds may be available within 30 minutes of loan approval and verification, or funding could take up to 4 hours. Funding times vary based on your bank. 3

At ACE, we take several factors into consideration, such as loan type, state regulations, eligibility, and approval pursuant to standard underwriting criteria. If you are approved and eligible for additional ways to receive your online loan proceeds, you will be presented with the instant funding to your debit card option after signing your loan documents. Please note, not all banks allow instant funding and not all applicants are approved for a loan or for instant funding.

  • If you are not eligible for instant funding to your debit card, then we will not ask for your debit card information. 
  • If you are eligible for instant funding, you enter your debit card information, and your bank does not allow instant funding, then we will notify you immediately by email and your money will be direct deposited into your bank account by the next business day.  

You can get cash fast, if approved! If you apply in-store and you are approved, you’ll receive your funds immediately! 1 Walk out with cash in hand. If you apply online and are approved, there are three ways to receive your funds:  

  • If eligible, get your funds loaded to your debit card.3
  • Have money direct deposited into your bank account by the next business day. 1 
  • If eligible, pick up cash same-day at one of our stores! 1 

Every loan at ACE comes with a 72-hour satisfaction guarantee. If you change your mind about your loan, just return the principal within 72 hours after receiving funds and pay nothing more.

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