Texas Payday Loans

Loans up to $1,500

What is a payday loan and how does it work?

Payday loans are short-term loans designed to help you pay for immediate expenses. The loan balance is due in full on your next payday.

If you need quick cash1 and you have a steady source of income, a payday loan could be an option for you. Payday loans can help you cover overdue utility bills, unexpected car repairs, and other emergency expenses.

To apply for a payday loan online, all you need to do is fill out a simple online application and sign a few forms online. This easy process only takes minutes. If you are approved, you could pick up the money in-store or have it deposited into your bank account the next business day.2 On your next payday your account will be automatically debited for the amount you owe.

Are payday loans available in my state? How much can I borrow?

Payday loans are available online in Texas and range from $100 - $1,500. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1

What do I need to apply for a payday loan?

  • You do not have to be employed, but you must have a steady source of recurring income payments to ensure you will be able to repay your loan.
  • You must reside in the state you choose for your loan application.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard currently serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or a dependent of the foregoing members. 
  • You must provide a valid Social Security Number or Individual Taxpayer Identification Number. 
  • You must have a checking or savings account that has been open for at least one month. 
  • You must be able to be contacted via phone if verification of application information is necessary.

When will I receive my funds?

If approved by 6:00 PM Central Time on Monday – Friday for weekday applications, and by 2:00 PM Central Time on Sunday for weekend applications, you will generally receive the money the next business day.2

For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures.

Are there any benefits for returning customers?

Customers with good repayment history could qualify for discounts on future loans.3

When will the loan be due?

Your payday loan will be due on your next payday (loan duration is state-specific). You will be informed of the due date if your loan is approved.

How and when can I pay back?

The amount you owe will be debited from your bank account on the day your loan is due. You can also make payments online.

Can I extend or refinance my payday loan?

In Texas you may be able to refinance your loan up to four times (subject to approval). Click on the FAQs to find out more about the refinance process. You may also be eligible for a payment plan. Call us at (866) 355-6815 to discuss payment plan options.

What if I change my mind?

Every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more. 


In Ohio and Virginia, you have until 5:00 PM Central Time on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5:00 PM Central Time on Thursday to cancel your loan.

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  1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.​ Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender.​

  2. For online loans, approval and funding may require verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup of online loans not available in all states.  In-store cash pickup of online loans requires valid, non-temporary government-issued identification. Online loans not available in all states. 

  3. CSO fee discounts may be available for existing customers with good repayment history. Customer’s pay frequency must remain the same on each loan originated for discounts to apply.

Our credit decision on your application may be based in whole or in part on information obtained from a consumer reporting agency, including, but not limited to, TransUnion, LexisNexis, and/or FactorTrust, Inc. However, inquiries by us will not affect your FICO® score.