What Do You Need to Apply for a Payday Loan?


Learn more about our requirements and apply below.

If you’re applying online, you’ll need to: 

  • Be at least 18 years of age to apply. 
  • Reside in the state you choose for your loan application. 
  • Have a valid Social Security Number or Individual Taxpayer Identification Number. 
  • Have a valid and active email address. 
  • Be able to be contacted via phone if verification of application information is necessary. 
  • Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source. 
  • Provide 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. 
  • Not currently be a debtor in a bankruptcy case or intend to voluntarily file for bankruptcy relief.
  • Not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or be a dependent of any such a member. 

If you have any more questions, please refer to our payday loan FAQs or call ACE Customer Service at 877-876-2274

In order to apply in-store, you’ll need to: 

  • Be at least 18 years of age to apply.
  • Have a valid, government-issued photo ID. 
  • Have a valid and active email address, where applicable.
  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.    
  • Provide 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.
  • Not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or be a dependent of any such a member.   

If you have any more questions, please refer to our payday loan FAQs or call ACE Customer Service at 877-876-2274

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.

Have more payday loan questions? Check out our Payday Loan Qualifications page.

Why Choose ACE for Payday Loans


Payday loans at ACE Cash Express can help you get access to money quickly.1 Apply for what you need. If approved, you could have your money as soon as the next business day when applying online and immediately when applying in-store.2  

When emergencies like car repairs, medical bills, and other unexpected expenses strike, you need cash to help you get back on your feet. A payday loan could be a helpful option for you if you need quick cash for emergencies.

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.