Minnesota Payday Loans at ACE

Apply for a payday loan online or in-store from $100 - $500.

If approved, you may be eligible to receive instant funding to a qualifying debit card for online loan.

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Payday Loans in Minnesota

Payday loans in Minnesota can help you make ends meet when money is tight. In emergency situations, they can give you the cash you need quickly so you can get back to your life with less hassle. In Minnesota you can apply to borrow from $100 - $500. If approved, you could receive cash in hand at one of our stores or, if applying online, in your bank account the next business day! ¹

Payday loans are short-term loans that offer quick cash. Typically, they are due in full on your next payday.

ACE offers different ways to receive online loan funds.

Deliver funds instantly to a qualifying debit card.²
Deposit money into your bank account overnight.¹
Pick up cash at your nearest ACE Cash Express store.¹

What Do I Need to Apply

What Do I Need to Apply for a Payday Loan?

Anyone is free to apply for a loan. The process is quick and simple, and all you need are a few pieces of information to get the loan application started. Refer to the guidelines below.

Online
In-Store

Online

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.

Things to Keep in Mind When Applying for a Payday Loan in Minnesota

In-Store

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.

Things to Keep in Mind When Applying for a Payday Loan in Minnesota

Minnesota Payday Loan Questions

How do I apply for a payday loan in Minnesota?

You can apply for a payday loan online or in person at an ACE Cash Express store location.

How much can I borrow with a payday loan in Minnesota?

ACE Cash Express offers payday loans in Minnesota from $100 - $500. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.¹

How quickly can I get my money with instant funding to my debit card in Minnesota?

If approved for a loan and to have money instantly funded to your debit card, the loan proceeds may be available within 30 minutes of loan approval and verification, or funding could take up to 4 hours. Funding times vary based on your bank. ²

How do I qualify for instant funding to my debit card in Minnesota?

At ACE, we take several factors into consideration, such as loan type, state regulations, eligibility, and approval pursuant to standard underwriting criteria. 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 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.

If approved, when will I receive my funds in Minnesota?

You can get cash fast, if approved. If you apply in-store and you are approved, you’ll receive your funds immediately! ¹ Walk out with cash in hand. If you apply online and are approved, there are three ways to receive your funds:

If eligible, get your funds loaded to your debit card.²
Have money direct deposited into your bank account by the next business day.¹
If eligible, pick up cash same-day at one of our stores! ¹

What if I change my mind and decide to cancel my payday loan in Minnesota?

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 funds and pay nothing more.

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Why Choose ACE Cash Express

Choose a short-term lender with a reputation you can trust! ACE Cash Express has been in business since 1968 serving customers across America with helpful financial services. ACE Cash Express delivers a broad range of financial products and services, including short-term consumer loans, card services, check cashing, money transfers, bill payments, and money orders.