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Payday Loan Amounts

Payday loans at ACE are available online and in-store in the states below. If you are approved, the loan amount you may borrow will depend upon your income and our standard underwriting criteria.1  


California: $100 - $255 

Idaho: $100 - $1,000 

Kansas: $100 - $500 

Louisiana: $100 - $300

Texas: $100 - $1,500


California: $100 - $255 

Florida: $100 - $500 

Indiana: $50 - $715 

Kansas: $100 - $500

Louisiana: $100 - $300 

Missouri: $100 - $500 

Oregon: $100 - $300 

South Carolina: $100 - $550 (in select stores)

Tennessee: $100 - $425 

Online Loan Funding at ACE

If you are approved for a loan online, ACE may offer different ways to receive your funds.

Online Loan Funding at ACE image

Instant Funding to a Debit Card

ACE’s Instant Funding to a debit card is our quickest way to receive your loan proceeds, if you are eligible.2

Direct Deposit to a Bank Account

Get cash direct deposited to your bank account overnight.1

Cash at an ACE Store

If you are eligible, visit a local ACE store to get same-day cash pick-up.1

Ready to Apply?

Payday Loan Uses

Payday Loan Uses image

Need cash before payday? An online payday loan (also known as a cash advance) at ACE is a short-term personal loan designed to help cover unexpected expenses or emergencies that happen in between paychecks. If approved, the borrower generally repays the loan balance on payday.1 

Loan funds may help pay for urgent items, such as:

  • Bills and utilities

  • Major home and car repairs

  • Medical bills

  • Other unexpected expenses

Benefits of a Payday Loan at ACE

Whether you visit an ACE store or apply for a loan online, we are committed to helping you get the cash you need as quickly as possible if you are approved.1

Easy Application

ACE's payday loan application process is usually faster than applying for a traditional personal loan.

No FICO® Score Impact

Applying for a loan at ACE does not affect your FICO Score.†

Instant Decision  

ACE’s payday loan process provides an instant decision on all payday loan applications, so you will know right away if you are approved. 

Receive Loan Funds1 

If approved at an ACE store, you will receive your money immediately. If approved online, you may 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

What Do I Need to Apply

At ACE, anyone can apply for a loan. With our quick and simple application process, a few pieces of information is all you need to start your loan application.

Ready to Apply?

Payday Loan Questions

Payday loans (also known as cash advances) are short-term loans designed to help you cover utility bills, unexpected car repairs and other emergency expenses before your next payday.1 Unlike an installment loan, the balance of a payday loan is generally due in full by your next pay date. 

Depending on your state, you can apply for a payday loan online or at an ACE store. Use our store locator to see if a location near you offers payday loans.

Your payday loan will generally be due on your next payday (loan duration is state-specific). You will be informed of the due date if your loan is approved.


If you applied online, the amount you owe will be automatically withdrawn from your bank account on the day your loan is due (also called an ACH payment). If you prefer not to have your payment automatically withdrawn, you can pay using one of these methods:

  • Pay Online: Log into your loan payment center at
  • Pay Over the Phone: Call our 24/7 automated phone system at (866) 728-1808 or call Customer Service at (877)-ACE-CASH between 7:00 a.m. and 8:00 p.m. CT Monday  ̶  Friday, 8:00 a.m. and 7:00 p.m. CT Saturdays, or 10:30 a.m. and 7:00 p.m. CT Sundays. Convenience fee may apply.
  • Pay at an ACE Store: Depending on your state, you may also visit an ACE store to make a payment or pay off your loan. 

At an ACE Store

If you applied at an ACE store, go to the store where the loan was originated with cash on or before the due date. Depending on your state, you may also be able to pay online or by phone.

We make it easy to obtain cash when you need it most. Since 1968, ACE has opened its doors to consumers looking for financial services. ACE delivers a broad range of financial products and services, including short-term consumer loanscard servicescheck cashingmoney transfersbill payments, and money orders.

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.† 

Payday loans may not be your only option in a financial emergency. At ACE, depending on your state, we may offer an installment loan product that might be a better fit for your personal financial situation. Borrowing money from a trusted family member or friend is another option.

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(877) ACE-CASH


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