ACE Frequently Asked Questions
Depending on your needs, a payday loan or installment loan may be a great choice.
Payday loans are ideal for covering unexpected short-term expenses that you are able to repay quickly — full repayment will usually be due on your next payday.
Installment loans offer more flexibility to repay over time in scheduled payments. This loan type is a great choice for larger loan amounts, or if you just need more time to repay.
The application process for either loan is the same and takes the same amount of time.
Please note that products vary by state and all products are not available in all states.
It takes about 5 minutes to apply! You can apply online or using your mobile device and receive a quick decision.1
You’ll need your social security number, a source of income (such as employment, disability, retirement, self-employment, or another income source), a valid email address, social security number, and banking information handy to fill out the application.
If you choose to apply in a store, please bring a valid government issued photo ID. A social security number is required as part of the application process. We will also request an email address, proof of steady source of recurring income (such as employment, disability, retirement, self-employment, or another income source) and proof of banking information to complete the application.
Click here to apply for a payday advance loan online. You can Find a Store near you to apply in-person.
Click here to apply for installment loans online. Find a Store near you to apply in-person.
ACE offers convenient online loans in select states! Applying takes about 5 minutes, and you'll receive a quick decision.1 If approved and verified, you can get cash in-store or in your bank account with direct deposit.²
Subject to approval pursuant to standard underwriting criteria.1
Start your online payday loan application.
Start your online installment loan application.
We use standard underwriting criteria to determine approval, so we can’t guarantee that your application will be approved. However, anyone is free to apply! When you complete an application, you’ll find out in just a few minutes if you’ve been approved.
The best way to learn details about your loan is to call and speak to one of our friendly ACE representatives at 866-ACE-CASH. Because we value your privacy, we don’t provide personal details online. You can read more about how we protect your personal information in our Privacy Policy.
Every customer can have up to one open loan at a time -- whether it’s a payday loan or an installment loan. Some states may have additional restrictions.
This helps ensure that you have enough money to pay off your debt and helps prevent overborrowing—borrowing more than you can afford to pay back.
We’re happy to help. Depending on the type of ACE loan you have, your login information may vary.
Do you have a payday loan with ACE? You can reset your Payday loan password or retrieve your lost username here.
Do you have an installment loan with ACE? You can reset your installment loan password or retrieve your lost username here.
Need more help? You can contact Customer Service at 866-ACE-CASH.
ACE values your privacy. To make edits to your banking information, please call and speak to one of our friendly ACE representatives at 866-ACE-CASH. You can update any personal information on your loan including your name, social security number, and more.
If you need help resetting a password or retrieving a lost username, please refer to question above: “I forgot my ACE login information. What do I do?”.
You can email documents to internetops@acecashexpress.com or fax your required loan documents to 866-355-6816.
Didn’t find the information you need? We would love to speak with you about your concerns! You can call ACE Customer Service at 866-ACE-CASH or email us at customerservice@acecashexpress.com.
