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Why Choose ACE for Payday Loans


You can use a payday loan, sometimes called a cash advance, to help pay for emergencies and other unexpected expenses. At ACE you can apply for what you need right now and pay it back on your next payday. Depending on your state, you may be able to visit a store or apply online to get started. If approved, depending on your state, you may be able to take home cash today in-store, or have the money deposited into your bank overnight.1 

What Do I Need to Apply


What Do I Need to Apply for a Payday Loan?

Anyone is free to apply for a loan. The process is quick and simple, and all you need are a few pieces of information to get the loan application started. Refer to the guidelines below. 

Personal Information    

  • Name 
  • Address  
  • Valid and Active  Email    
  • Phone Number    
  • Valid Social Security Number or Individual Taxpayer Identification Number 

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 has been open for at least one month. 

Things to Keep in Mind When Applying for a Payday Loan 

Personal Information    

  • Name    
  • Address   
  • Valid and Active Email, where applicable
  • Phone Number    
  • Valid, government-issued ID  

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.

Things to Keep in Mind When Applying for a Payday Loan

Payday Loans Questions


Payday loans are short-term loans designed to help you cover unexpected car repairs, medical bills, and other emergency expenses. Unlike an installment loan, the balance of a payday loan is generally due in full on your next pay date. 

Depending on your state, you can apply for a payday loan online or in person at an ACE Cash Express store location. See below to find out which states offer payday loans.

Online 

The online application process is quick and simple! 

1. Complete the payday loan application. It takes just a few minutes. 

2. Receive an instant decision.

3. If approved online, have money direct deposited into your bank account by the next business day, or, if eligible, pick up cash same-day at one of our stores!1 

In-Store 

Applying in-store is quick and simple, too! 

1. Use the Store Locator to find a store near you to apply in person. 

2. Receive an instant decision.

3. If approved, walk out with cash in hand immediately!1 

Payday loans are available online and in-store in the states below. If approved, the amount you may borrow will depend upon your income and our standard underwriting criteria.2 

Online 

California: $100 - $255 

Idaho: $100 - $1,000 

Kansas: $100 - $500 

Louisiana: $100 -$300 

Minnesota: $100 - $500 

Texas: $100 - $1,500 

 

In-Store 

California: $100 - $255 

Florida: $100 - $500 

Indiana: $50 - $660 

Kansas: $100 - $500

Louisiana: $100 - $300 

Minnesota: $100 - $500 

Missouri: $100 - $500 

Oregon: $100 - $300 

South Carolina: $100 - $550 

Tennessee: $100 - $425 

You can get cash fast, if approved! If you apply in-store and you are approved, you’ll receive your funds immediately!1 Walk out with cash in hand. If you apply online and are approved, there are two ways to receive your funds:  

  • Have money direct deposited into your bank account by the next business day.1 
  • Depending on your state, if eligible, you can pick up cash same-day at one of our stores!1 

What Customers Say


Contact Us


Phone: (877) ACE-CASH

Online Loans Email: InternetOps@acecashexpress.com 

All Other Inquiries: CustomerService@acecashexpress.com