Payday Loans

Money when you need it most.

Fast . Secure . Easy

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Qualifications for Payday Loans

Are you in need of fast cash but unsure whether you qualify for a payday loan? The good news is that many consumers can obtain a payday loan through a simple online application process. In addition, ACE Cash Express does not require lengthy paperwork or an extensive credit history.

To qualify for a payday loan, you must have the following:

  • Valid Social Security Number or Individual Taxpayer Identification Number.
  • Bank account.
  • Steady source of recurring income payments.
An online payday loan is a safe, confidential financial tool. ACE Cash Express does not require you to provide your reason for taking out a loan. Apply online and get an instant decision. If approved, your cash may be deposited directly into your bank account overnight.1,2

Considerations for Payday Loans

Payday loans are not for everyone. Keep the following information in mind before you begin the application process.

  • If you have an outstanding payday loan, you may be eligible for a payment plan with your existing lender.
  • Make sure you understand your repayment schedule, and do not apply for a payday loan if you are unsure about paying it back.
  • Do not apply for a payday loan to rebuild your credit. These short-term financial tools are not designed to rebuild credit.
Use your payday loan wisely. They are not suited for every financial situation. Make sure you weigh your options before applying.

More questions? Please contact an ACE Cash Express representative today at (866) 355-6815 for information about our application and loan qualifications.

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License and Rates

Fast Cash

Fast Cash1,2

Have money deposited into your bank account overnight.1,2

Manage your account on your mobile device

Convenient

Apply online in minutes and get an instant decision.

72 Hour Risk-Free Satisfaction Guarantee

Risk-Free3

Every loan at ACE comes with a 72-hour satisfaction guarantee.

Learn More About Payday Loans

Application
Application
Apply online in minutes and get an instant decision.
Licenses & Rates
Licenses and Rates
View our state license and short term lending rates.
Frequently Asked Questions
FAQs
Find answers to common questions about loans.
Log In
Login
Manage your existing online loan account by logging in.
More Information
More Information
More details about how to use online loans.
Requirements
Requirements
View our minimum requirements for being approved for a loan.
  1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.​ ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115.
  2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
  3. Every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

Our credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.

What happens if I fail to make a timely payment on my loan or credit services transaction?

Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following:

  • Financial Implications – Currently, no past due interest is assessed on any loans you may obtain from us or that we may arrange for you. However, you may be assessed a late fee if you fail to make your payment by a specified period following its due date, and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid (late fee and returned item fees vary by state — see your transaction agreements for additional details).
  • Collection Activity – We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, or email. We may also exercise any of our rights under our loan or credit services agreements with you. If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buyer or engage a collection agency, who may also engage in collection activity with you.
  • Impact on Your Credit Score – We do not currently report loan activity to any of the three major credit bureaus (Equifax, Experian or TransUnion). However, we do use alternative credit reporting agencies such as FactorTrust. Failure to make timely payment on your loan may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
  • Refinancing a Loan – We do not automatically refinance any of our loans or credit services transactions. Where refinances are available (varies by state), you may refinance your loan or credit services transaction by logging in as a returning customer prior to your due date and applying for a refinance. In connection with any refinance, you will be required to agree to new transaction agreements via electronic signature for the refinanced transaction. Our standard rates for loans or credit services transactions will be assessed on that refinance (varies by state – see posted fee schedules). You may also call us to discuss payment plan options at (866) 355-6815.