Payday Loan Requirements

Out of funds before payday and need to borrow money? With a payday loan at ACE Cash Express, you may be able to borrow cash for emergency expenses before your next payday.¹   

The payday loan application process is hassle-free, takes just a few minutes, and you’ll receive an instant decision.

Requirements When Applying for an Online Payday Loan

You:

• Are 18 years of age or older.
• Reside in the state you choose for your payday loan application.
• Have a valid Social Security Number or Individual Taxpayer Identification Number. 
• Have a valid and active email address.
• Are reachable by phone for application information verification purposes.
• Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.  
• Provide proof of an active bank account that has been open for at least one month. California consumers must have proof of an active, personal checking account that has been open for at least one month. 
• Are not currently a debtor in a bankruptcy case, nor intend to voluntarily file for bankruptcy relief.
• Are not a 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, a member of the reserves (including National Guard) on active duty, or a dependent of any such member. 

Requirements When Applying for an In-Store Payday Loan

You:

• Are 18 years of age or older.
• Have a valid, government-issued ID.
• Have a valid and active email address, where applicable.
• Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.  
• Provide proof of a bank account that has been open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof. Contact your local stores for details. Acceptable documents may vary by state. California consumers must have proof of an active, personal checking account that has been open for at least one month.
• Are not a 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, a member of the reserves (including National Guard) on active duty, or a dependent of any such member. 

*All loans subject to approval pursuant to standard underwriting criteria.¹   

Payday loans at ACE can help you get access to money quickly.¹ Apply and see if you qualify for the loan amount you may need.

If approved online, you can have cash delivered instantly to your debit card if eligible² or direct deposited to your bank account by the next business day, or — depending on your state and if you are eligible — pick up your cash at a store near you!³ 

If you apply at an ACE store and you are approved, you’ll receive your funds immediately!³  

When emergencies like car repairs, medical bills, and other unexpected expenses strike, you may need a cash advance to help you get back on your feet. A payday loan could be a helpful option for you if you need quick cash for emergencies.

ACE delivers a broad range of financial products and services, including short-term consumer loans, online loans, card services, check cashing, money transfers, bill payments, and money orders.