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Payday Loans in Texas

Payday loans in Texas may offer cash when you need it to cover medical bills and other emergency expenses. With loan amounts from $100 - $1,500, you can apply for what you need and get back on your way, if approved. 1

Payday loans are short-term loans that offer quick cash. Typically, they are due in full on your next payday. 

ACE offers different ways to receive online loan funds.

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    Deliver funds instantly to a qualifying debit card. 2​​​​​​

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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 a Payday 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 Payday Loan Questions

You can apply for a payday loan online.  

  1. Complete the payday loan application. It takes just a few minutes. 
  2. Receive an instant decision. 1
  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, or depending on your state and if eligible, pick up cash at a store near you! 1  

ACE Cash Express offers payday loans in Texas from $100 - $1,500. 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.2

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.2
  • Have money direct deposited into your bank account by the next business day. 
  • If eligible, pick up cash same-day at one of our stores! 

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.

To cancel the loan, please send an email to with a request to cancel your contract or call us at (877)-ACE-CASH.

Why Choose ACE Cash Express

Choose a short-term lender with a reputation you can trust! ACE Cash Express has been in business for more than 50 years. That kind of experience makes us a dependable choice for your financial needs. ACE Cash Express delivers a broad range of financial products and services, including short-term consumer loans, card services, check cashing, money transfers, bill payments, and money orders. 

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Phone: (877) ACE-CASH

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