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Payday Loan Amounts


Payday loans are available online and in-store in the states below. If approved, the amount you may borrow will depend upon your income and our standard underwriting criteria.1  

 

California: $100 - $255 

Idaho: $100 - $1,000 

Kansas: $100 - $500 

Louisiana: $100 -$300 

Minnesota: $100 - $500 

Texas: $100 - $1,500 

 

California: $100 - $255 

Florida: $100 - $500 

Indiana: $50 - $660 

Kansas: $100 - $500

Louisiana: $100 - $300 

Minnesota: $100 - $500 

Missouri: $100 - $500 

Oregon: $100 - $300 

South Carolina: $100 - $550 

Tennessee: $100 - $425 

Payday Loan Use Cases


Do You Need a Fast Personal Loan? No Problem.


Whether you visit in-store or apply for a payday loan online, ACE is committed to helping you get the cash you need, as quickly as possible.  

  • Same-Day cash pick-up in-store2 

  • Instant Decision  

  • Icons / Banking / Green / Application Created with Sketch.

    Applying for a loan at ACE does not affect your FICO® credit score.   

Why ACE Cash Express


Over 50+ Years

in business, opening in 1968

Over 900 stores

nationwide in 22 states and District of Columbia

38 Million

customers served

A+ Rating

from the Better Business Bureau

How Payday Loans Work


Payday loans are short-term loans that are designed to help cover expenses until you pay it off at your next payday. These loans could cover medical bills, unexpected car repairs, or just general emergencies. This payday loan application process is generally faster than a traditional personal loan and doesn’t require collateral.

Payday Loan Questions


Payday loans are short-term loans designed to help you cover utility bills, unexpected car repairs and other emergency expenses by your next payday. Unlike an installment loan, the balance of a payday loan is generally due in full by your next pay date.

Depending on your state, you can apply for a payday loan online or in person at an ACE Cash Express store location. See below to find out which states offer payday loans. 

Online  

The online application process is quick and simple!  

  1. Complete the payday loan application. It takes just a few minutes.  
  2. Receive an instant decision. 
  3. If approved online, have money direct deposited into your bank account by the next business day, or, if eligible, pick-up cash same-day at one of our stores!1  

In-Store  

Applying in-store is quick and simple, too!  

  1. Use the Store Locator to find a store near you to apply in person.  
  2. Receive an instant decision. 
  3. If approved, walk out with cash in hand immediately!1  

Applying for a loan at ACE Cash Express does not affect your FICO® credit score. 

An installment loan tends to be a longer loan that is paid in installments, while a payday loan is due on your next payday.  

Annual Percentage Rate (APR) varies based on loan term and amount borrowed. The APR is the interest rate of a loan if that loan’s length was 365 days. The interest on a payday loan is calculated based on the amount of the loan and the loan length.

ACE Cash Express always takes your repayment ability into our loan decisions. There are payday loan alternatives which can include installment loans. 

You can get cash fast if approved! You may be eligible for one or both of the following options:2 

  • Pick up cash at your nearest ACE Cash Express store.2 
  • Deposit money into your bank account overnight.2 

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. 

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 has been open for at least one month. 

Things to Keep in Mind When Applying for a Payday Loan 

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. California customers must have proof of an active, personal checking account that we ask to be open for at least one month.

Things to Keep in Mind When Applying for a Payday Loan

Why Choose ACE for Short-Term Loans


Help Pay for Emergencies and Other Unexpected Expenses

You can use a payday loan, sometimes called a cash advance, to help pay for emergencies and other unexpected expenses. At ACE you can apply for what you need right now and pay it back on your next payday. 

Take Home Cash Today

Depending on your state, you may be able to visit a store or apply online to get started. If approved, depending on your state, you may be able to take home cash today in-store, or have the money deposited into your bank overnight.2 

What Customers Say


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Online Loans Email: InternetOps@acecashexpress.com 

All Other Inquiries: CustomerService@acecashexpress.com