Qualifications for Payday Loans
Online or In-Store Short-Term Loan Questions
Applying for a loan at ACE does not affect your FICO® credit score. †
What Do I Need to Apply for a Payday Loan?
With a payday loan at ACE, you may be able to borrow cash for emergency expenses before your next payday.1
The application process takes just a few minutes, and you’ll receive an instant decision.
To apply for an online payday loan, you’ll need the following:
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 we ask to be open for at least one month.
*All loans subject to approval pursuant to standard underwriting criteria.
You can view the full list of payday loan requirements here.
To apply for an in-store payday loan, you’ll need the following:
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 stores 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.
*All loans subject to approval pursuant to standard underwriting criteria.
You can view the full list of payday loan requirements here.
Will ACE Cash Express check my credit?
We consider many factors when making a decision on whether or not to loan you money, and we may use your credit score to make a decision on your loan application.1 Anyone is welcome to apply.
Does ACE Cash Express report payday loan payments to the credit bureaus?
We do not report loan activity to traditional credit bureaus.
How many loans can I have with ACE Cash Express?
Each ACE customer may have one loan open at a time – whether it’s a payday loan or an installment loan.
Can I get a loan without a job?
You don’t need to be employed, but you’ll need to show proof of some type of recurring income during the application process. This could include income from government benefits, retirement, self-employment, or another recurring income source.
Get Started
Start your online payday loan application
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For California residents, click here to learn what personal information we collect and how it is used.