TX Payday Loans, Installment Loans, Title Loans & Check Cashing Stores

Find ACE Cash Express Locations in Texas

Find ACE Cash Express Near you

Loan Products in Texas

Need fast cash in Texas? ACE Cash Express offers Texans installment loans, payday loans (cash advance), and title loans to help you cover unexpected expenses or emergencies between paychecks. With convenient locations in big cities like Houston and San Antonio as well as many other cities throughout the Lone Star State, getting the money you need is quick and hassle-free.1

Payday Loan (Cash Advance)

Up to $1,500

ACE offers online payday loans in Texas (also known as a cash advances) which are small-dollar, short-term loans of up to $1,500 to help cover unexpected expenses such as medical bills or car repairs until your next paycheck. Borrowers generally repay the loan balance in full on their next payday.1 If you are approved, have your loan proceeds instantly delivered to your debit card if eligible2 or direct deposited to your bank account by the next business day,3 or – depending on your state and if eligible – pick up cash at a store near you!1

Apply Online

Texas Online Payday Loan Fee Schedule (APR and Fees)

Installment Loans

Up to $2,500 (not available in-store in Austin or Dallas)


Texas installment loan offered online or in-store at ACE are short-term personal loans that give you more time and flexibility to repay compared to a payday loan.4 They feature longer repayment terms with substantially equal payments over the duration of the loan. If you are approved, have your loan proceeds instantly delivered to your debit card if eligible2 or direct deposited to your bank account by the next business day,3 or – depending on your state and if eligible – pick up cash at a store near you!1

Apply Online

Online Texas Installment Loan Fee Schedule (APR and Fees)

In-Store Texas Installment Loan Fee Schedule (APR and Fees)

Title Loan

Up to $5,000 (not available in Austin, Dallas, Fort Worth)

A Texas title loan offered in-store at ACE is a short-term, personal loan where the borrower uses their vehicle title as collateral for the loan amount.1 If approved, you can drive away with cash in hand1 while keeping your car.

Texas Title Loan Fee Schedule (APR and Fees)

Benefits of Personal Loans in Texas

Simple Application

Short-term personal loans at ACE have a hassle-free application process and are usually faster than applying for a traditional personal loan.1

No FICO® Score Impact

ACE Cash Express may obtain information from a non-traditional consumer reporting agency, and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO® Score.5 If you are approved, the loan amount you may borrow will depend upon your income and our standard underwriting criteria.1

Quick Decision 

When you apply for a loan at ACE, you receive a quick decision, so you'll know right away if you are approved.

Receive Loan Funds1 

If approved for an online loan,1 you may be eligible for Instant Funding to a debit card.2 If you’re offered the debit card instant funding option and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification. Funding times vary based on your bank.2 Otherwise, you could have your funds deposited into your bank account as soon as the next business day 3 or, if eligible, pick up cash same-day at one of our stores.1 If approved for an in-store loan, you'll receive your funds immediately in cash.1

Card Products Offered In Texas

Porte®

Mobile Banking With Service You Love

Deposit Account opening is subject to registration and ID verification.5

Porte is a mobile finance app, not a bank. With Porte, you have a full-service mobile finance app but with in-person support. Banking services provided by Pathward®, N.A., Member FDIC.

Flare Account®

Online Banking for Your Everyday Life

A Flare Account offers the tools you need to manage your money your way.

Deposit Account opening subject to registration and ID verification.5

Terms and fees apply. Established by Pathward®, N.A., Member FDIC. Banking services provided by Pathward, N.A., Member FDIC

ACE Elite® Visa® Prepaid Debit Card

Your Money, Your Way

Manage and control your money on one convenient, prepaid debit card.

Card usage is subject to card activation and identity verification.5

Other Financial Services Offered in Texas

Check Cashing

ACE is your go-to for check cashing in Texas — no bank account needed. Just bring a valid government-issued ID,7 and we'll handle the rest.

Bill Pay

ACE offers bill payment services in Texas for rent, utilities, credit cards, and more. All you need is your bill or account information and cash.

MoneyGram® Money Transfers

ACE provides a fast, convenient, and secure way to send or receive money with MoneyGram® money transfers in Texas. Send funds domestically, anywhere in the U.S., and internationally to over 200 countries and territories.

MoneyGram® Money Orders

Skip mailing cash and send a money order instead! In Texas, ACE offers a more secure and reliable alternative to sending cash with MoneyGram® money orders.

ATM Services8

Take advantage of convenient cash withdrawals or a balance inquiry. ACE also offers services to load cash funds to various debit and prepaid debit cards.9 Visit one of our many locations across Texas for ATM services8 and debit card reloads.9

ACE Elite Card, the Flare Account, and Porte accountholders can receive in-person support with adding funds and withdrawing cash.9

Tax Services

ACE cashes all types of tax refund checks in Texas whether its local, state, or federal.7 Regardless of where your taxes were prepared, if your refund is on a tax card, you can withdraw cash at any ACE store.8

Business Services

In Texas, ACE can cash business checks.* We have cash on hand, even large amounts. Our service hours are longer than typical, traditional banks, and our fees are competitive.7

*The owner or officer of a business must provide the necessary documents, including proof of authority, business registration, and other relevant information, to cash checks at ACE.

Texas Product and Service FAQs

H3: How do I apply for an installment loan in Texas?

In Texas, you can apply for an installment loan online or in person at an ACE store.

Apply Online in Texas

The process to apply for an installment loan online in Texas is simple!

1. Complete the loan application. This takes just a few minutes.

2. Receive a quick decision.

3. If approved, have your loan proceeds instantly delivered to your debit card if eligible,2 or direct deposited to your bank account by the next business day,3 or – depending on your state and if eligible – pick up cash at a store near you!1

Visit an ACE Store in Texas

You can apply for an installment loan at an ACE store location in Texas (not available in Austin or Dallas).

1. Use the Store Locator to find a store near you and apply in person.

2. Receive a quick loan decision.

3. If approved, walk out with cash in hand!1

H3: How do I apply for a payday loan in Texas?

ACE only offers online payday loans in Texas.

Apply Online

  1. Complete the online payday loan application.
  2. Receive a quick decision.
  3. If you are approved, have loan proceeds delivered instantly to your debit card if eligible,2 or have money direct deposited into your bank account by the next business day,3 or depending on your state and if eligible, pick up cash the same day at one of our stores!1

ACE only offers online payday loans in Texas.

Apply Online

  1. Complete the online payday loan application.
  2. Receive an instant decision.
  3. If you are approved, have loan proceeds delivered instantly to your debit card if eligible, or have money direct deposited into your bank account by the next business day,4 or depending on your state and if eligible, pick up cash the same day at one of our stores!1

Use the Store Locator to find an ACE location near you in Texas (not offered in Austin, Dallas, or Fort Worth).

Visit an ACE Cash Express location to apply in person.

Be sure to bring in a clear title with your name on it, a valid, government-issued ID, and evidence of a steady source of income such as employment, retirement, disability, self-employment, or another recurring source of income. If your Texas title has two or more names on it, all people must be present in the store to complete the process.

We make it hassle-free to get cash for many types of checks in Texas,7 including:

  • Payroll checks
  • Personal checks
  • Business checks
  • Income tax refund checks
  • Government checks
  • Insurance settlement checks
  • Money orders

Why Texans Choose ACE Cash Express

ACE Cash Express in Texas offers valuable online and in-store short-term personal loan products to Texans such as a payday (cash advance), installment, and title loans, all designed to help cover unexpected expenses or emergencies. Additionally, ACE provides a range of financial services such as card services, check cashing, money orders, money transfers, and bill payment services. We operate in and around big cities like Houston, San Antonio, El Paso, and Dallas. Visit an ACE store in Texas and see why we're one of the most trusted places to get cash when needed.

Texas ACE Locations

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