Texas Cash Advance, Installment & Title Loans, Check Cashing Stores

Find ACE Cash Express Locations in Texas

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Loan Products in Texas

Payday Loan (Cash Advance)

$100-$1,500 (Online)

A Texas Payday Loan (also known as a cash advance) offered at ACE Cash Express is a small-dollar, short-term loan designed to help cover unexpected expenses until your next paycheck. If approved, the borrower generally repays the loan balance in full on their next payday.1

Apply Online

Online Texas Payday Loan (Cash Advance) APR and Fees

Installment Loans

$100-$2,500 (online or at an ACE store)

(not available in-store in Austin or Dallas)


A Texas installment loan is a short-term, personal loan with longer repayment terms than a payday loan and substantially equal payment amounts over the duration of the loan.1,2

Apply Online

Online Texas Installment Loan APR and Fees

In-Store Texas Installment Loan APR and Fees

Title Loan

$100-$5,000 (at an ACE store)

(not available in Austin, Dallas, Fort Worth)

A Texas title loan offered at ACE Cash Express is a short-term, personal loan where the borrower uses their vehicle title as collateral for the loan amount.1

In-Store Texas Title Loan APR and Fees

Benefits of Personal Loans in Texas

Easy Application

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.3 If you are approved, the loan amount you may borrow will depend upon your income and our standard underwriting criteria1

Instant Decision 

When you apply for a loan at ACE, you receive an instant 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. If you are 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.4 Otherwise, you could have your funds deposited into your bank account as soon as the next business day or, if eligible, pick up cash same-day at one of our stores. If approved for a store loan, you’ll receive your funds immediately.5

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—no bank account needed. Just bring a valid government-issued ID, 6 and we’ll handle the rest.

Bill Pay

ACE offers bill payment services in-store 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 Transfer. 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! 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.7

ACE Elite Visa Prepaid Debit Card, the Flare Account, and Porte accountholders can receive in-person support with adding funds and withdrawing cash.8

Tax Services

ACE cashes all types of tax refund checks – local, state, or federal. Regardless of where your taxes were prepared, if your refund is on a tax card, you can withdraw cash at any ACE store.6,7

Business Services

Cash business checks* at ACE. We have cash on hand, even large amounts. Our service hours are longer than a typical, traditional banks, and our fees are competitive.6

*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

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 an instant decision.
3. If approved, have your loan proceeds instantly delivered to your debit card if eligible, or direct deposited to your bank account by the next business day,4 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 an instant loan decision.
3. If approved, walk out with cash in-hand immediately!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, including:6

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

About ACE Cash Express in Texas

ACE Cash Express in Texas offers valuable online and in-store short-term personal loan products to Texans, including 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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