Online Flexible Loans in Ohio

Your Go-To Loan Has Improved

Traditional payday loans are no longer available in Ohio, but our flexible loans continue to offer the convenience you expect from ACE. It's the same easy application with additional benefits such as lower pricing and more flexible payment options.

What is a flexible loan?

A flexible loan allows you to pay a loan over a longer period of time than a traditional payday loan.1 It's a great option when you need money now, but you're worried about paying it all back on your next payday. Payments are substantially equal in amount (last payment may vary slightly). You can also pay it all back early, similar to a traditional payday loan, which may save you interest and fees.

Why should I apply for a flexible loan?

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

Easy application and quick decision.

Flexible Loans are designed with ease in mind. Apply online in minutes and get a quick decision. If approved, you may pick up your cash in-store or have your funds deposited into your account overnight.2

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

Flexible loans are divided into manageable installment payments that you make over time. If you choose to 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


Pay online.

Have a debit card? Now you can make online payments from any device.

Set up automatic payments.

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

How does the flexible loan application process work?

It’s the same, easy application process as the payday loan. Apply online in minutes with our super-simple loan application process. Make sure you have your social security number, source of income, and banking information handy while completing the application.

How much can I borrow with a flexible loan in Ohio?

Flexible loans in Ohio range from $100 - $1,000. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

What do I need to apply?

  • 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 have a checking or savings account that has been open for at least one month.
  • You must reside in the state you choose for your loan application.
  • You must be able to be contacted via phone if verification of application information is necessary.
  • 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.

When will I receive my funds?

If approved by 6:00 PM Central Time on Monday – Friday for weekday applications, and by 2:00 PM Central Time on Sunday for weekend applications, you will generally receive the money the next business day.2,3

For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures.

When will the loan be due?

Loan payments will be due on consecutive pay periods. The number of payments and the term (length) of the loan will vary by pay frequency. You will be informed of the payment due dates and amounts if your loan is approved.

How and when can I pay back?

While completing your application, you may choose to have a transfer of funds initiated from your bank account on the day the payment is due OR you may choose to send your payments through mail using a check or money order.

Please note, you will be charged a higher fee if you choose to send your payments through mail. Please refer to your loan documents for the mailing address. If mailing in payment, please give at least 2-3 business days prior to your due date for the payment to arrive.

You can always pay off your loan early like a traditional payday loan, which may save you interest and fees.

What if I change my mind?

In Ohio, you have until 5 PM CT 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 PM CT on Thursday to cancel your loan.