Our Payday product varies by state.
If your state is not listed here, search for a store near you to explore available services.
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Instant Decision
Fast Cash, If Approved
Satisfaction Guarantee*
*So if you change your mind, just return the principal within 72 hours and pay nothing more.
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For California residents, click here to learn what personal information we collect and how it is used.
What Are Payday Loans Used For?
A payday loan (also known as a cash advance) at ACE is a small-dollar, short-term loan designed to help cover financial emergencies between paychecks. If you have an unexpected expense – such as a car repair, medical bills, or utilities – but you don’t have the money, a payday loan may help bridge the gap between the stress of the expense and the next time you get paid. If approved, the borrower generally repays the loan balance on their next payday.1
Payday Loan Amounts
Payday loans at ACE are available online and/or at an ACE store in the states listed below. If you are approved, the amount you may borrow will depend on your income and our standard underwriting criteria.1
ACE STORE
California: $100 - $255
Florida: $100 - $500
Indiana: $50 - $825
Kansas: $100 - $500
Louisiana: $100 - $700
Missouri: $100 - $500
Oregon: $100 - $300
South Carolina: $100 - $550 (in select stores)
Tennessee: $100 - $425
How Do I Apply for a Payday Loan?
Anyone can apply for a payday loan at ACE Cash Express, either online or in-store, where available, and get a quick decision.1
To apply online, follow these steps:
1. Access the online payday loan application on your computer or mobile device.
2. Submit your information accurately. It takes only a few minutes to complete the application.1
3. After you apply for a cash advance through the ACE website, you’ll get a quick decision.1
If approved and if eligible, you may qualify for instant funding to a debit card, which is our quickest way to receive your loan proceeds.2 You may also choose to have the funds deposited into your bank account the next business day3 or if eligible, visit a local ACE store to get same-day cash pick-up.1
Why Choose ACE for a Payday Loan (Cash Advance)
VIDEO: Why Choose ACE Cash Express for a Short-Term Loan?
ACE has been in the business of helping people with a variety of financial services for more than 50 years. That’s why we want to make applying for a loan as user-friendly as possible when consumers need to borrow money. 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
With our streamlined application process, a few pieces of information are all you need to get started. Our application process is typically 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.
Convenient Services
If you are approved at an ACE store, you will receive your cash in hand immediately.1 If approved online, you can have funds delivered instantly to your debit card, if eligible,2 direct deposited to your bank account by the next business day,3 or – depending on your state and if you are eligible – pick up your cash at a store near you!1
Satisfaction Guarantee
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. In Florida and Louisiana, you have until close of business on the third business day after receiving your funds to return the principal and pay nothing more. For example, if you take out a loan on Monday, you have until close of business on Thursday to cancel your loan.
Payday Loan Questions
At ACE, anyone can apply for a loan. With our streamlined application process, a few pieces of information are all you need to start your loan application. Please refer to the Payday Loans Requirements page for more details.
These terms are used interchangeably. Lenders offer cash advances 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 is often called a payday loan.
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.
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 in to your loan payment center at www.myacepayments.com.
- 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. Check with your nearest ACE store for details.
Consumers looking for an online payday loan (or cash advance) might consider how simple it is to apply or how quickly they need cash. Researching the history of different businesses that offer payday loans online and reading customer service reviews about their personal loan products are also good ideas.
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.†
A payday loan may not be your only option for quick cash in a financial emergency. You might consider an installment loan if that product is available in your state. An installment loan is a short-term personal loan that a borrower repays in scheduled payments (installments) – that are substantially equal in amount – over a specified length of time.1
A payday loan is an unsecured loan. A secured loan is a loan where the borrower gives the lender a form of collateral, such as the title to their vehicle. If the borrower doesn’t repay a secured loan, the lender, in the title loan example, can secure its repayment by selling the vehicle to cover the loss. An unsecured loan, like a payday loan, doesn’t include a form of collateral. Read more about payday loans here.
You do not have to be employed and you may be retired, but you must have a steady source of recurring income payments.
School of ACE Blog Posts About Payday Loans and Cash Advances
These are recommended School of ACE blog posts to help you make an educated choice about payday loans.
Contact Us
Call Us
Online Loans Phone:
(866)-ACE-CASH
In-Store Loans Phone:
(877) ACE-CASH
Email Us
Online Loans Email:
InternetOps@acecashexpress.com
All Other Inquiries:
CustomerService@acecashexpress.com
