Payday Loans at ACE Cash Express

Payday loans (also known as cash advances) are short-term loans designed to help you cover utility bills, unexpected car repairs and other emergency expenses before your next payday.¹ Unlike an installment loan, the balance of a payday loan is generally due in full by your next pay date.

These terms are used interchangeably. Lenders offer cash advance loans to consumers for borrowing money to cover emergencies or other unexpected expenses. These short-term loans are designed for the borrower to repay quickly. Typically, repayment is due on the borrower’s next payday,¹ which is why a cash advance loan is often called a payday loan.

Depending on your state, you can apply for a payday loan online or at an ACE store. Use our store locator to see if a location near you offers payday loans.

Your payday loan will generally be due on your next payday (loan duration is state-specific). If you are approved, the due date and other details will be outlined in the repayment terms of your loan agreement.

Online

If you applied online, the amount you owe will be automatically withdrawn from your bank account on the day your loan is due (also called an ACH payment). If you prefer not to have your payment automatically withdrawn, you can pay using one of these methods:

• Pay Online: Log in to your loan payment center at www.myacepayments.com.
• Pay Over the Phone: Call our 24/7 automated phone system at (866) 728-1808. Convenience fee may apply.
• Pay at an ACE Store: Depending on your state, you may also visit an ACE store to make a payment or pay off your loan.

At an ACE Store

If you applied at an ACE store, go to the store where the loan was originated with cash on or before the due date. Depending on your state, you may also be able to pay online or by phone.

We make it easy to obtain cash when you need it most. Since 1968, ACE has opened its doors to consumers looking for financial services. ACE delivers a broad range of financial products and services, including short-term consumer loans, card services, ATM services, check cashing, money transfers, bill payments, and money orders.

ACE may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO® Score.†

Payday loans may not be your only option in a financial emergency. At ACE, depending on your state, we may offer an installment loan product that might be a better fit for your personal financial situation. Borrowing money from a trusted family member or friend is another option.