Loans
About ACE
ACE Cash Express offers in-store and online loans that vary by state. When you're facing a financial emergency or have an unexpected expense, ACE Cash Express' short-term online or in-store loans may be an option.1
Learn more about loans offered at ACE and find out how to apply.
Loans at ACE Cash Express
When you need funds but can't wait for the traditional lender approval process, a personal loan at ACE may provide the solution. A personal loan from ACE Cash Express can be either a payday advance (also called a payday loan or cash advance), which is typically due in full when you get your next paycheck, or an installment loan, which allows you to pay back over a longer time period than a payday loan.2
Depending on your state, you may be able to apply for a payday advance or an installment loan online or in one of our stores. The application process is simple, and you'll receive an instant decision.1
What type of loans are offered in my state?
Payday advances and installment loans vary by state. See what's offered in your state below.
Can I get a loan online?
The following types of online loans are available in the indicated states.
Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend on your income and standard underwriting criteria.1
Payday loans are available online in the states below:
- California: $100 - $255
- Idaho: $100 - $1,000
- Kansas: $100 - $500
- Louisiana: $100 -$300
- Minnesota: $100 - $500
- Texas: $100 - $1,500
Installment loans are available online in the states below:
- Delaware: $100 - $2,000
- Florida: $100 - $1,000
- Missouri: $100 - $2,000
- New Mexico: $100 - $2,000
- In Ohio, ACE no longer offers installment loans online. Visit a store to apply in person.
- Texas: $100 - $2,000
Can I get a loan in-store?
The following types of in-store loans are available in the indicated states.
Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend on your income and standard underwriting criteria.1
Payday loans are available in-store in the states below:
- California: $100 - $255
- Florida: $100 - $500
- Indiana: $50 - $605
- Kansas: $100 - $500
- Louisiana: $100 - $300
- Minnesota: $100 - $500
- Missouri: $100 - $500
- Oregon: $100 - $300
- South Carolina: $100 - $550
- Tennessee: $100 - $425
Installment loans are available in-store in the states below:
- Colorado: $100 - $1,000
- Florida: $100 - $1,000
- Louisiana: $400 - $700
- Missouri: $100 - $2,000
- New Mexico: $100 - $2,000
- Ohio: $100 - $1,000
- Oklahoma: $50 - $700
- Texas: $100 - $2,000 (installment loans not available in Austin or Dallas stores)
- Virginia: $100 - $1,000
How do I apply for an ACE Cash Express loan?
Depending on your state, you may be able to apply for a loan online or in one of our stores! The process is simple.
To apply online
- Complete the payday loan or installment loan application. It takes just a few minutes.
- Receive an instant decision.
- If approved, have funds direct deposited to your bank account by the next business day, or depending on your state, if eligible, pick up cash at a store near you!3
To apply in-store
- Use the Store Locator to find a store near you and apply in person. See what you'll need to apply for a payday loan or installment loan in-store.
- Receive an instant loan decision.
- If approved, walk out with cash in hand immediately!3
