Online Flexible Loans in Ohio
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.
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.
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
|$300 Flexible Loan
|14-day Total Payoff||$345.90
*Annual Percentage Rate
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.
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.
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.
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.
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.
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.
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.
1. Installment loans are intended for customers who need more time to pay off their loan than provided by a single-payment payday loan. Individual payment amounts for an installment loan are smaller when compared to the single-payment payday loan for the same loan amount. The total sum of payments for an installment loan will be higher than a single-payment payday loan if you pay off the installment loan according to the payment schedule set forth in the associated loan agreement.
2. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. Loans in California are made or arranged pursuant to Department of Business Oversight California Financing Law. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc., 1231 Greenway Drive, Suite 600, Irving, Texas, 75038, ST.760164.000
3. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
Our credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.