Ohio Flexible Loans

Repay Over Time, Not All at Once

Pay back your loan in installments over a longer period of time than a traditional payday loan, and the payments are usually smaller.1

Get started with a Loan application at ACE today!

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What is a flexible loan and why should I apply?

A flexible loan is an installment loan that allows you to pay a loan over a longer period of time than a traditional payday loan.1 Flexible loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount (last payment may vary slightly). At ACE, a flexible loan can be repaid early without penalty, which may save you interest and fees (where applicable).

Here’s why you should consider an Ohio flexible loan!

5-minute application and quick decision.

Flexible Loans are designed with ease in mind. Complete our 5-minute application and get a quick decision. If approved, pick up cash in-store or have your funds deposited overnight.2

Pay back in installments1 or in one payment like a payday loan.

Flexible loans are split up into manageable installment payments that you make over time. If you pay off your flexible loan on your first installment due date, you could pay less than a traditional payday loan. For example, a $300 payday loan in Ohio paid off in 14 days would have cost $345.90. For the same loan amount and loan term, the flexible loan will cost $317.09.



$300 Payday Loan
(Discontinued)
$300 Flexible Loan
14-day Total Payoff $345.90
(399% APR*)
$317.09
(149% APR*)

*Annual Percentage Rate


Make payments online.

Have a debit card? Now you can pay online from any device

Keep things simple with autopay.

When you set up autopay in your application, you won’t have to worry about manually scheduling installment payments or missing a due date.

Apply for a Payday Loan Online with ACE Cash Express

How do I apply for a flexible loan?

We have a simple online loan application making it fast and easy for you to apply. In fact, you can complete the application online in minutes and get a decision quickly. Call 866-223-2274 to speak directly to a loan representative.

Make sure you have your social security number, source of income, and banking information handy while completing the application.

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How Much Can I Borrow?

Flexible loans are available online in the states below. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

Loans from $2,500 - $5,000: California

Loans from $100 - $2,000: Delaware, Missouri, New Mexico, Texas

Loans from $100 - $1,000: Ohio

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If approved, when will I receive my funds?

ACE Cash Express gives you the option to get cash fast! You may be eligible for one or both of the following options:2