Requirements

  • You must have steady income to qualify for a cash advance.
  • You must be able to show a verifiable source of recurring income payments to ensure you will be able to repay your cash loan.
  • You must have a checking or savings account that has been open for at least one (1) month before applying for a payday advance. For those customers who are not on direct deposit, ACE will give a one business day grace period (from payday) to deposit your check.
  • You must be able to be contacted after work.
  • You must be at least 18 years old to apply for a payday loan.
  • You must have a gross income of at least $1,000 per month.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must be a resident of the state in which you applying for a payday loan, even if you apply for an online loan.


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Bad Credit? No problem!
Even with bad credit, payday loans are available from ACE Cash Express. When you apply for a cash advance from us, there's no credit check! All you need is a job and a bank account. And every loan comes with a 48-hour satisfaction guarantee. So if you change your mind about you loan within 48 hours, just return it and pay nothing!
Breathe easy
with our 48-hour
Satisfaction Guarantee.
Just apply and you’re done.
We've streamlined the payday loan application process to make it easy for you to get the cash advance you need — fast. No faxing or collateral required! In fact, you can complete the application right now online and you'll get approval in minutes.
What are you
Waiting for?
Cash in hand today or deposited overnight.
Make sure you have your license and banking information handy to make applying even simpler. Once you've applied for your payday loan, you'll get approval for $100- $1000 in minutes. ACE Cash Express makes getting the fast cash you need easy – with a secure cash advance!
*In-store pick-up available only in Texas.
Get CASH in
a snap from ACE!
Fast Cash
  • Instant loan approval
  • Get cash in hand today
  • Or cash deposited overnight
 Safe and Easy
  • Secure application
  • No faxing required
  • Quick application
 A Trusted Lender
  • Four decades of trust
  • More than 1,700 locations
  • Dedicated to you
ACE Cash Express Inc. is a leading retailer of financial services, including payday loans, consumer loans, check cashing, bill payment and prepaid debit card services. ACE is the largest owner and operator of check cashing stores in the United States and the second largest owner and operator of short-term consumer loan stores in the United States. blankSECURITY YOU CAN TRUST
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What is a Payday Loan?
A payday loan or cash advance is a streamlined, faxless loan. Applicants do not have to provide a credit report, and cash is deposited quickly and securely into their checking accounts.

How Payday Loans Work
While payday loans have many advantages, the world of lending can be confusing. Take time to educate yourself about the short-term loan process before applying for fast cash with a simple, no-fax payday loan.

Borrow from $100, $500 to $1000 with ACE's Payday Loans
If you need quick cash and your credit score prevents you from dealing with long-term lenders, think about obtaining a payday loan. From $100 to $1000, payday loans can help you cover overdue utility bills, unexpected car repairs and emergency travel expenses.

Qualifications for Payday Loans
Qualifying for payday loans is easy if you're a U.S. resident who is over 18, has a bank account and can verify regular income.

Payday Loans Do Not Require Credit Checks
People struggling to repair their credit may not qualify for long-term lending solutions. If you need immediate financial help, consider applying for a payday loan. There's no required credit check, and the application process is fast and secure.

Easy Application for Payday Loans
Unlike long-term personal loans, the payday loan application process is simple and requires no credit check. Application materials can be securely submitted online, and you'll receive your funds in less than a week.

Faxless Payday Loans
ACE's faxless payday loans are a convenient, secure and simple way to fund emergencies or cover expenses until your next paycheck arrives. There's no need for extensive paperwork or a fax machine, and you'll receive your payday loan in less than a week.

Online Payday Loans
Long-term, personal loans can take several weeks to fund, but hassle-free payday loans can be obtained online in one to two days. If you need to cover an emergency car repair, air conditioner blowout or unexpected medical bill, apply online at ACE Cash Express today.