How Do I Apply for a Payday Loan?

ACE is a top payday lender. Get started today with our hassle-free application process by using the form below. Don't let a less-than-perfect credit score keep you from applying. You will receive an instant decision.1

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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 payday 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

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Payday Loan Uses

Payday Loan Uses image

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

A cash advance may help pay for urgent items, such as:

  • 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 funds you need as quickly as possible if you are approved.1

Easy Application

Our application process is usually faster than applying for a traditional personal loan.1

Instant Decision

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


If you are approved at an ACE store, you will receive your funds immediately.1 If approved online, you can have funds delivered instantly to your debit card if eligible2 or direct deposited to your bank account by the next business day, or — depending on your state and if you are eligible — pick up your cash at a store near you!1


Loans at ACE come with a 72-hour satisfaction guarantee. So if you change your mind, just return the principal within 72 hours and pay nothing more. ACE does not charge a fee to apply.

What Do I Need to Apply

At ACE, anyone can apply for a loan. With our streamlined application process, a few pieces of information is all you need to start your loan application. Please refer to the Payday Loans Requirements page for more details.

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.

These terms are used interchangeably. Lenders offer cash advance loans to consumers for borrowing money to cover emergencies or other unexpected expenses. These short-term loans are designed for the borrower to repay quickly. Typically, repayment is due on the borrower’s next payday,1 which is why a cash advance loan is often called a payday loan.

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). If you are approved, the due date and other details will be outlined in the repayment terms of your loan agreement.


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 in to your loan payment center at
  • Pay Over the Phone: Call our 24/7 automated phone system at (866) 728-1808. 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, ATM services, check cashing, money transfers, bill payments, and money orders.

ACE 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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