Payday Loans at ACE Cash Express
Payday loans at ACE are a simple, fast, and dependable way to apply for cash.
If approved for a payday loan online, you may be eligible to receive instant funding.
Applying for a loan at ACE does not affect your FICO® Score.†
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Terms, Conditions and Privacy Policy License and Rates
For California residents, click here to learn what personal information we collect and how it is used.
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
ONLINE
California: $100 - $255
Idaho: $100 - $1,000
Kansas: $100 - $500
Louisiana: $100 - $300
Texas: $100 - $1,500
ACE STORE
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.
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
Payday Loan Uses
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:
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Bills and utilities
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Major home and car repairs
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Medical bills
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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.1
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.
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 has been open for at least one month. California consumers must have proof of an active, personal checking account that has been open for at least one month.
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 has been 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 consumers must have proof of an active, personal checking account that has been open for at least one month.
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.
Online
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 www.myacepayments.com.
- 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 loans, card services, check cashing, money transfers, bill 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.
Contact Us
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Email Us
Online Loans Email: InternetOps@acecashexpress.com
All Other Inquiries: CustomerService@acecashexpress.com
