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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 - $660 

Kansas: $100 - $500

Louisiana: $100 - $300 

Minnesota: $100 - $500 

Missouri: $100 - $500 

Oregon: $100 - $300 

South Carolina: $100 - $550 

Tennessee: $100 - $425 

Ready to Apply for a Payday Loan?


Do You Need a Fast Personal Loan?


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

Instant Funding to a Debit Card

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

Direct Deposit to a Bank Account

Get cash deposited directly into your bank account overnight.1

Cash at In-store Pickup

Visit a local ACE store to get same-day cash pick-up, if eligible.1

Why Choose ACE for Short-Term Loans


Quick and Easy Payday Loans

At ACE you can apply for what you need right now and pay it back on your next payday.

Our payday loan application is quick and easy. The payday loan application process is generally faster than a traditional personal loan and doesn’t require collateral.

Take Home Cash Today

Depending on your state, you may be able to visit a store or apply online to get started. If approved for a loan, ACE may offer different ways to receive online loan funds.

  • If eligible, deliver funds instantly to a qualifying debit card.2
  • Deposit money into your bank account overnight.1
  • If eligible, pick up cash at your nearest ACE Cash Express store.1 

Ready to Apply for a Payday Loan?


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:

  • Everyday bills and utilities

  • Major home and car repairs

  • Medical bills

  • 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: 

  • Icons / Banking / Green / Application Created with Sketch.

    Easy Application

    ACE's payday loan application process is usually faster than applying for a traditional personal loan and doesn’t require collateral. 1

  • Applying doesn't affect your credit score 

    Applying for a loan at ACE does not affect your FICO® credit score.   

  • 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. 

  • 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. 

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 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!  

  1. Complete the payday loan application. It takes just a few minutes.  
  2. Receive an instant decision. 1
  3. 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!  

  1. Use the Store Locator to find a store near you to apply in person.  
  2. Receive an instant decision. 1
  3. 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 

What Customers Say


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Online Loans Email: InternetOps@acecashexpress.com 

All Other Inquiries: CustomerService@acecashexpress.com

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