Payday Loan Requirements

  • 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 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.
  • If applying online, you must provide a valid Social Security Number or Individual Taxpayer Identification Number.
  • If applying online, you must have a checking or savings account that has been open for at least one month. California residents must have a checking account that has been open for at least one month.
  • If applying online, you must be able to be contacted via phone if verification of application information is necessary.
  • If applying at one of ACE's 950+ store locations, you must bring a valid government issued photo ID. A Social Security Number is not required.
  • If applying in-store, 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.

If you are interested in applying for a payday loan but have more questions about how they work, our dedicated Customer Service team is available to help at any given time. You can also visit one of ACE Cash’s 950+ locations across the United States. If you don’t think a payday loan is a fit for you, research our other cash advance options such as an installment loan.

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