Payday Loans at ACE Cash Express
Payday loans at ACE are a simple, fast, and dependable way to apply for cash as soon as you need it.
If approved, you may be eligible to receive instant funding to a qualifying debit card for online loans.
Applying for a loan at ACE does not affect your FICO® credit score. †
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Start your payday loan application
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 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.1
We currently offer payday loans online in the following states and in the following ranges:
California: $100 - $255
Idaho: $100 - $1,000
Kansas: $100 - $500
Louisiana: $100 -$300
Minnesota: $100 - $500
Texas: $100 - $1,500
We currently offer payday loans in-store in the following states and in the following ranges:
California: $100 - $255
Florida: $100 - $500
Indiana: $50 - $715
Kansas: $100 - $500
Louisiana: $100 - $300
Minnesota: $100 - $500
Missouri: $100 - $500
Oregon: $100 - $300
South Carolina: $100 - $550
Tennessee: $100 - $425
Help Pay for Emergencies and Other Unexpected Expenses
In-store payday loans and online payday loans (also known as a cash advance) at ACE Cash Express are short-term personal loans designed to help cover unexpected expenses until you pay it off on your next payday.1 If approved, a payday loan may help to pay for emergencies, such as:
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Everyday 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 Cash Express
Whether you visit in-store or apply for a payday loan online, ACE is committed to helping you get the cash you need as quickly as possible if you are approved. 1 Here are some benefits of applying for a payday loan at ACE Cash Express:
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Easy Application
ACE's payday loan application process is usually faster than applying for a traditional personal loan and doesn’t require collateral. 1
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Applying doesn't affect your credit score
Applying for a loan at ACE does not affect your FICO® credit score.†
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Instant Decision
ACE’s payday loan application provides an instant decision on all payday loan applications, so you will know right away if you are approved.
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Receive loan proceeds 1
For in-store loans, if approved, you will receive your money immediately. 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
What Do I Need to Apply for a Payday Loan?
At ACE, anyone can apply for a loan. With our quick and simple process, all you’ll need as an applicant is to provide a few pieces of information to get your 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.
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.
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 by your next payday. 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 in-store. Use our ACE Cash Express store locator to see if a store near you offers payday loans. The application process to get a payday loan varies a bit depending on how you choose to apply, whether online or in-store, but the main steps are the same:
Online
The online application process is quick and simple!
- Complete the payday loan application. It takes just a few minutes.
- Receive an instant decision. 1
- If approved, have your loan proceeds instantly delivered to your debit card if eligible,2 or direct deposited to your bank account by the next business day, or depending on your state and if eligible, pick up cash at a store near you! 1
In-Store
Applying in-store is quick and simple, too!
- Use the Store Locator to find a store near you to apply in person.
- Receive an instant decision. 1
- If approved, walk out with cash in hand immediately! 1
An installment loan tends to be a longer loan that is paid in installments, while a payday loan is due on your next payday.
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 or borrow money from a trusted family member or friend for help.
You can get cash fast if approved! You may be eligible for several of the following funding options:
- If eligible, get your funds loaded to your debit card.2
- Deposit money into your bank account overnight.1
- If eligible, pick up cash same-day at one of our stores.1