Florida Payday Loans

Loans up to $500

What is a payday loan and how does it work?

In Florida, you can apply for a payday loan at an ACE Cash Express store location.

Payday loans are short-term loans designed to help you pay for immediate expenses. The loan balance is due in full on your next payday.

If you need cash in a pinch1 and you have a steady source of income, a payday loan could be an option for you. Payday loans can help you cover overdue utility bills, unexpected car repairs, and other emergency expenses.

Apply for a payday loan at an ACE store near you. Just use the store location to find a store near you and apply in person. If you are approved, you can walk out with funds in hand.2

Are payday loans available in my state? How much can I borrow?

Payday loans are available in-store in Florida from $100 - $500.

If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1

What do I need to apply for a payday loan?

  • 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 provide a valid Social Security Number or Individual Taxpayer Identification Number.
  • 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.
  • You must bring a valid government issued photo ID.
  • You must bring 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 stores for details. Acceptable documents may vary by state.

When will I receive my funds?

If you are approved, you will immediately receive your approved loan amount in cash.2

When will the loan be due?

Your payday loan will be due on your next payday (loan duration is state-specific). You will be informed of the due date if your loan is approved.

How and when can I pay back?

You should pay off your loan in the store where the loan was originated with cash on or before the due date. You will not be penalized for making an early payment.

Can I extend or refinance my payday loan?

In Florida refinances are not permitted on payday loans.

What if I change my mind?

Every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more. 

In Ohio and Virginia, you have until 5:00 PM Central Time on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5:00 PM Central Time on Thursday to cancel your loan.