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About Texas Installment Loans
ACE Cash Express offers installment loans in Texas from $100 - $2,500 online and in-store (except in Austin and Dallas). That's money that can be helpful when dealing with emergencies like a major car repair or other unexpected expense. Apply for an installment loan online or in-store and receive an instant decision!1
Installment loans offer more time to repay than traditional payday loans.2 Instead of paying back your loan all at once, you can repay it over time in regularly scheduled payments. If you choose to pay off your loan early, it may save you money on interest and fees (where applicable).
What Do I Need to Apply for a Texas Installment Loan?
Anyone can apply. The loan process is quick and simple, and all you need are a few pieces of information to get the loan application started.
Some of the items you’ll need are:
A valid, government-issued photo ID: Such as a driver's license, state ID, or passport (for in-store applications)
A valid Social Security Number or Individual Taxpayer Identification Number
A valid and active email account
Proof of a steady source of recurring income: A recent pay stub, benefit statement, or other documentation to verify your income, whether it’s through employment, retirement, disability, self-employment, or another income source
For the complete details, please visit the Installment Loan Requirements page.
Why Choose ACE for an Installment Loan in Texas?
Here’s why thousands of Texas residents choose ACE for their financial needs:
Hassle-free application process: It takes just a few minutes to apply, and you’ll get a fast decision.1
Same-day cash: If approved at one of our Texas locations, you walk out with cash in hand.
Convenient ways to repay your loan: Pay in-store, online, or by phone – whatever you prefer.
No prepayment penalty: You can repay your loan early without penalty, which may save you money in interest and fees (where applicable).
ACE has been in business since 1968, and we deliver a broad range of financial products and services that also include payday loans, card services, check cashing, money transfers, bill pay, and money orders.
How Do I Apply for an Installment Loan in Texas?
Apply online or in person (except in Dallas and Austin) at an ACE location.
Online
Apply for an installment loan online. This takes just a few minutes.
Get a fast decision.
If approved, sign the loan documents and decide how to receive your loan proceeds.1
At an ACE Location
Find an ACE location near you.
Fill out an application.
Get a fast decision.
If approved, review and sign the loan documents and walk out with cash
in hand.1
If Approved Online, How Quickly Can I Receive the Money in Texas?
With an online loan approval, you can receive your money fast in one of three ways:
-
Deliver loan proceeds instantly to a qualifying debit card, if eligible.3
-
Deposit money into your bank account the next business day.4
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Pick up cash at an ACE Cash Express location near you, if eligible.1
Where Can I Apply for an Installment Loan in Texas?
In addition to applying online, ACE has numerous locations where you can apply in person in Texas. Just visit a location in or around big cities like:
as well as in smaller communities like Plano, Laredo, Lubbock, and San Marcos.
How Do I Repay My Loan in Texas?
There are three options:
Visit a Texas ACE location (except in Austin and Dallas) with cash on or before the installment payment due date.
Log in to the loan payment center at www.myacepayments.com.
Call our 24/7 automated phone system at (866) 728-1808.
Installment Loans in Texas: FAQs
ACE offers installment loans in amounts from $100 to $2,500 in Texas (not available in Austin and Dallas). If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1
At ACE, we take several factors into consideration, such as loan type, state regulations, eligibility, and approval pursuant to standard underwriting criteria.1 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 online loan documents. Please note, not all banks allow instant funding, and not all applicants are approved for a loan or for instant funding.3
Applying for an ACE installment loan in Texas does not affect your FICO® Score, although it may impact your overall credit profile with non-traditional consumer reporting agencies.
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.
Contact Us
Call Us
Online Loans Phone:
(866)-ACE-CASH
In-Store Loans Phone:
(877) ACE-CASH
Email Us
Online Loans Email:
InternetOps@acecashexpress.com
All Other Inquiries:
CustomerService@acecashexpress.com
