How Do I Apply for a Payday Loan at ACE?

Money management  •  January 30, 2022  •  5 mins read
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When you face an unexpected expense, such as medical bills or a home repair, a payday loan can provide the funds you may need. You can use a short-term loan to pay for the emergency cost, repaying the amount you borrowed on your next payday.

Since this type of cash advance is meant for emergencies, the application process can be much faster than a personal loan at a bank. If approved, you can get the money you need quickly and easily.1

How do I apply for a payday loan?

You can apply for a payday loan either in-store or online. In-store and online payday loans are not available in every state. Before starting the application it’s important to make sure you meet the requirements for a cash advance.

What do I need to apply for a payday loan at ACE?

To apply online, we will request you:

  • Be at least 18 years of age or older.
  • Reside in the state you’re applying for a loan
  • Have a valid Social Security Number or Individual Taxpayer Identification Number
  • Have a valid email
  • Provide proof of a steady income
  • Have a valid bank account
  • Identify whether you are active duty Army, Navy, Marine Corps, Air Force, or Coast Guard or are a dependent of someone who is

You must also provide a valid phone number and remain available to verify any information you submitted in your application.

To apply in-store, we will request you:

  • Be at least 18 years of age to apply
  • Have a valid, government-issued photo ID
  • Have a valid email address
  • Provide proof of steady income
  • Have a valid bank account
  • Identify whether you are active duty Army, Navy, Marine Corps, Air Force, or Coast Guard or are a dependent of someone who is

How to apply for a payday loan online

1. Access the online application

You can open our easy online payday loan application on your computer or mobile device. Before starting the application, we recommend having your Social Security Number/Individual Taxpayer Identification Number, bank account information, proof of your recurring, steady source of income, and phone number close by to speed up the process.

2. Submit your information

It takes only a few minutes to complete the application. Before submitting it, ensure your information is accurate and honest.

3. See if you qualify

When you apply for a payday loan through the ACE Cash Express website, you’ll get an instant decision as soon as you complete your application.

4. Receive your money

If approved, you may be able to have your cash deposited overnight in your bank account or pick it up at a local ACE Cash Express store.1

How to apply for a payday loan in-store

1. Visit your local store and ask to apply for a loan

Your local ACE store associates will help you process the in-store application. We will ask you to provide the following information:

  • Whether or not you are 18 years of age
  • A valid, government-issued photo ID
  • A valid email address
  • Proof of steady income
  • A valid bank account
  • Whether or not you are serving on active duty for the Army, Navy, Marine Corps, Air Force, or Coast Guard or are a dependent of someone who is

2. Submit your information

You can fill out the application in just a few minutes. If needed, our staff will verify any information you provide.

3. See if you qualify

Our staff will give you an instant decision about your qualification once you’ve applied.

4. Pick up your money

If approved, you will be able to access your money immediately at the store.

Where can I apply for a payday loan?

You can apply for a payday loan in several states. Some allow you to apply online, while others only allow in-store payday loan applications. ACE offers payday loans in these amounts in the following states:

If approved, the amount you may borrow will depend upon your income and our standard underwriting criteria.2

How much money can I get from a payday loan?

The amount of money you may receive from a payday loan depends on the state you live in, your income, and our standard underwriting criteria.2 Use the information given above to understand the ranges in your state.

Why choose ACE for a payday loan?

ACE Cash Express’s online application and numerous store locations ensure easy access to the funds you need, if approved.1 The application, once complete, will display an instant decision.

If you’re facing an unexpected expense, complete your payday loan application today.

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1. For approved in-store loans, you will receive funds immediately.  For online loans, approval and funding may require 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 of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup of online loans not available in all states.  In-store cash pickup of online loans requires valid, non-temporary government-issued identification. Online loans not available in all states. 

 

2. 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. Populus Financial Group, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender. 

 

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. Installment loans are intended for customers who need more time to pay off their loan than provided by a single-payment payday loan. Individual payment amounts for an installment loan are smaller when compared to the single-payment payday loan for the same loan amount. The total sum of payments for an installment loan will be higher than a single-payment payday loan if you pay off the installment loan according to the payment schedule set forth in the associated loan agreement. For online loans, approval and funding may require verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. In-store cash pickup of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup of online loans not available in all states. In-store cash pickup of online loans requires valid, non-temporary government-issued identification. Online and in-store loans not available in all states. Populus Financial Group, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp.  Populus Financial Group, Inc., 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062, ST.760164.000.  Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender.  Populus Financial Group, Inc. is licensed by the Virginia State Corporation Commission, PL-115.

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