Virginia Payday Loans

Loans up to $500

What is a payday loan and how does it work?

Payday loans are short-term loans designed to help you pay for immediate expenses. The loan balance is due in full on your next payday.

If you need quick cash and you have a steady source of income, a payday loan could be an option for you. Payday loans can help you cover overdue utility bills, unexpected car repairs, and other emergency expenses.

You can apply for a payday loan at certain ACE store locations. Just use the store locator to find a store near you and apply in person. If you are approved, you can walk out with cash in hand.1

Are payday loans available in my state? How much can I borrow?

Payday loans are available in-store in Virginia and range from $100 - $500. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

What do I need to apply for a payday loan?

  • You do not have to be employed, but you must have a steady source of recurring income payments to ensure you will be able to repay your loan.
  • You must bring a valid government issued photo ID.
  • You must bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.
  • You must reside in the state you choose for your loan application.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must not be a regular or reserve 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 or a dependent of a member of the Armed Forces on active duty.

When will I receive my funds?

If you are approved, you will immediately receive your approved loan amount in cash.1

When will the loan be due?

Your payday loan will be due on your next approved payday (loan duration is state-specific). You will be informed of the due date if your loan is approved.

How and when can I pay back?

You should pay off your loan in the store where the loan was originated with cash on or before the due date. You will not be penalized for making an early payment.

Can I extend or refinance my payday loan?

In Virginia refinances are not permitted on payday loans.

What if I change my mind?

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.

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.
More Information
More Information
More details about how to use 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.

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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.