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Online Payday Loans in California

Do you need money fast to cover emergency expenses? A California payday loan from ACE may be able to help. With our hassle-free application process, you can apply for what you need.1

ACE offers different ways to receive online loan funds

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    Deliver funds instantly to a qualifying debit card.2

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    Deposit money into your bank account overnight.1

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    Pick up cash the same day at an ACE store near you.1

What Do I Need to Apply for a Payday Loan in California?

What Do I Need to Apply for a Payday Loan in California? image

Anyone may apply for a payday loan in California. The process is simple and quick, and all you need are a few pieces of information to get the loan application process started. 

California Payday Loan FAQs

ACE offers payday loans in California from $100 - $255. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.​​​1

At ACE, we take several factors into consideration, such as loan type, state regulations, eligibility, and approval pursuant to standard underwriting criteria.​​​1 If you are approved and eligible for additional ways to receive your online loan proceeds, you will be presented with the instant funding to your debit card option​2 after signing your loan documents. Please note, not all banks allow instant funding and not all applicants are approved for a loan or for instant funding.

  • If you are not eligible for instant funding to your debit card, then we will not ask for your debit card information. 
  • If you are eligible for instant funding, you enter your debit card information, and your bank does not allow instant funding, then we will notify you immediately by email and your money will be direct deposited into your bank account by the next business day.​​​1

ACE may consider your credit score, credit history, and other information received from a non-traditional credit reporting agency, but we also use personal information other than your credit score to determine your ability to repay the loan.† Don’t let a less-than-perfect credit score or credit history deter you; anyone may apply.


If you applied online, the amount you owe will be automatically withdrawn from your bank account on the day your loan is due (also called an ACH payment). You can also pay using one of these other 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.
  • Pay at an ACE Store: Visit any California ACE store to pay off your loan. 


If you applied at a California ACE store, go to any ACE CA location to pay off your loan with cash or a debit card on or before the due date. California customers can also pay online or by calling (866) 728-1808.

ACE has more than 100 stores in the Golden State. Not only do we operate in and around the larger metropolitan centers like Los AngelesSan DiegoSan FranciscoSacramentoFresno, and Bakersfield, ACE also has great coverage across California that includes smaller towns like Tulare and Rohnert Park. If you are approved for a payday loan at one of ACE’s California locations, you get same day cash.

ACE is a licensed lender under the California Deferred Deposit Transaction Law.

Payday loans are typically due in full on your next payday. By state law, the maximum loan term is 31 days for a payday loan in California. Your loan agreement will outline your due date and other important information about repayment terms.

Every loan at ACE comes with a 72-hour satisfaction guarantee. If you change your mind about your loan, just return the principal within 72 hours after receiving the funds and pay nothing more.

Why Choose ACE

A loan from ACE can help you when you find yourself in a financial bind. From origination to repayment, our customer service can't be beat! ACE delivers a broad range of financial products and services, including short-term consumer loanscard servicescheck cashingmoney transfersbill payments, and money orders.

Contact Us

Phone (toll-free): (877) ACE-CASH

Online Loans: 

All Other Inquiries: