What Are Emergency Loans?


Emergencies happen when you least expect it, but ACE may have you covered. Emergency loans are short-term personal loans such as payday or installment loans. If approved, the funds are typically available to the borrower within 1 business day or sooner! This type of loan may give you the peace of mind that matters when a financial shock would otherwise leave you struggling and stressed out. If you need fast access to cash to cover unexpected expenses or bills, ACE may have the right loan for you!

What Can You Use an Emergency Loan For?


If approved, emergency loans may offer solutions for various expenses.

Unexpected Home and Auto Repairs

Surprise costs are part of owning a car or home.  With the fast decisions and funding time that come with a loan offered at ACE, you could have your home and vehicle back in top condition in no time.1

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Medical Expenses

Life is unexpected, and sometimes unexpected medical expenses can hit. The last thing you need to be worrying about is the bill. If approved with our instant decision and fast funding, you can focus on healing.1

Emergency Cash Situations

Whether you’ve broken your laptop or your dog needs surgery, whatever your emergency, we may be able to help get you back on track with an instant decision and quick funding.1

How To Get an Emergency Loan


To apply for an emergency loan at ACE Cash Express, you can start by determining which loans are available in your state. Our short-term loan options have simple applications that require a few minutes to complete.1 If approved for a store loan, you'll walk out with cash in hand. If approved for an online loan, you can have your loan proceeds instantly delivered to your debit card if eligible,3 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! 2

Payday loans are also called payday advances or cash advances. These short-term loans have a quick application process and a short repayment period. Your loan is typically due on your next payday if you're approved. A payday advance may be a helpful solution for an emergency.

With a quick application process, an installment loan gives you more time to repay your loan than a payday loan.4 An installment loan allows you to make multiple payments that are substantially equal amounts to repay the total amount of the loan over time. Alternatively, you can choose to repay the loan early without penalty, which may save you money on interest and fees.

What Do I Need to Apply for an Emergency Loan?


Applying for an emergency loan only takes a few minutes.1 Depending on your state, we offer in-store and online loan applications, which you can learn more about below. To complete your loan application at ACE Cash Express, you will need the following information:

Personal Information

  • Be at least 18 years of age to apply
  • Name 
  • Address 
  • Valid and Active Email 
  • Phone Number 
  • Valid Social Security Number or Individual Taxpayer Identification Number 
  • Not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, 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 be a dependent of any such a member

Income Information 

  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source
  • Proof of active bank account that we ask to be open for at least one month. California customers must have proof of an active, personal checking account that we ask to be open for at least one month.

You’ll receive a quick decision on your loan application. If you receive emergency loan funds and change your mind, you can simply return the full principal amount within 72 hours and pay nothing more. For installment loans in FL, you can cancel your loan and return the funds by 5 p.m. CT on the third business day to avoid any penalties. If you get an emergency loan on Monday, for example, you must cancel your loan and return the funds by 5 p.m. CT on Thursday.

Personal Information

  • Be at least 18 years of age to apply
  • Name 
  • Address 
  • Valid and Active Email, where applicable
  • Phone Number 
  • Valid Social Security Number or Individual Taxpayer Identification Number, where applicable
  • Valid, government-issued ID 
  • Not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, 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 be a dependent of any such a member

Income Information 

  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source
  • Proof of a bank account that we ask to be open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof of bank account. Contact your local store for details. Acceptable documents may vary by state. California customers must have proof of an active, personal checking account that we ask to be open for at least one month.

You’ll receive a quick decision on your loan application. If you receive emergency loan funds and change your mind, you can simply return the full principal amount within 72 hours and pay nothing more. For installment loans in FL, OH and VA, you can cancel your loan and return the funds by 5 p.m. CT on the third business day to avoid any penalties. If you get an emergency loan on Monday, for example, you must cancel your loan and return the funds by 5 p.m. CT on Thursday.

Emergency Loan FAQ


No. ACE Cash Express may be an option for people who need an emergency loan, and your credit situation is just one factor that may be considered.  We encourage everyone to apply, but we do not offer emergency loans specifically for individuals with bad credit. Unfortunately, there are companies that claim to offer bad credit loans. We urge you to use caution with these companies if you don’t have good credit. Always choose a reputable company for your financial emergencies.

Emergencies look different for everyone. You might need to pay for an unexpected medical bill or make a repair to your home or car. In any situation, you can apply for an emergency loan to help you make ends meet.

With our easy online application and instant decision, you will know if you are approved within minutes. If approved for a store loan, you’ll walk out with cash in hand. If approved for an online loan, have your loan proceeds instantly delivered to your debit card if eligible,3 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! 2

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.

Emergency Loan Payment Questions


We may offer several options to make paying your loan back convenient. Not all payment options may be available for loans originated in a store. Contact your local store for details.

  • Pay Online – Log in to your online account at www.myacepayments.com to make a payment using your debit card or bank account (ACH).
  • Pay by Phone – You may make a payment using our automated phone system by calling 866-728-1808 to make a payment with your debit card.  Convenience fee may apply. 
  • Pay in-store – Depending on your state, you may visit a local ACE store to make a payment.

Yes! There’s no penalty for repaying early! In fact, you could save money on interest and fees, where applicable. 

Please contact the store where you originated your loan, or depending on your state, call 877-ACE-CASH to pay off your loan early. Reference your loan agreement for pre-payment terms.