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If approved for a loan, ACE offers different ways to receive online loan funds.

Instant Funding to a Debit Card

ACE’s Instant Funding to a debit card is our quickest and most convenient way to receive your online loan proceeds, if approved. Instant funding is not available for everyone. If you are approved for the instant funding to your debit card option and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification. Funding times vary based on your bank.1

Funds to a Bank Account

If you're approved for a loan online with ACE, we offer the option to deposit your funds directly into your bank account overnight.2

ATM Teller

Cash at In-store Pickup

ACE is committed to helping you get the cash you need as quickly as possible, if approved for a loan. If eligible, visit a local ACE store to get same-day cash pickup.2

ACE Online Funding Times


Apply & If Approved

Instant Funding to a Debit Card*

Funds to a Bank Account**

Before 6:00PM CT Monday-Friday

Within 30 minutes

Next Business Day

By 2:00PM CT Saturday-Sunday

Within 30 minutes

Monday**

After 2:00PM CT Sunday

Within 30 minutes

Tuesday**

 

*If you are approved for the instant funding option and you select that option, your loan proceeds may be available within 30 minutes of loan approval and verification, or funding could take up to 4 hours. Funding times vary based on your bank.

**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 funds the next business day. On banking holidays, your funds will be delayed until the next banking business day. For example, if Monday is a banking holiday, then you will not receive your funds until Tuesday.

How Instant Funding to Debit Card Works


  • Apply for an online payday or installment loan at any time! 2

  • Icons / Banking / Green / Application Created with Sketch.

    If approved, sign your loan documents.

  • If eligible for instant funding to your debit card, you will have the option to enter your debit card information. 1

  • Get your funds as quickly as 30 minutes after loan approval and verification. 1

Instant Funding Questions


Instant funding is ACE’s new, quick, and most convenient way to receive your online loan proceeds. Instant funding is not available for everyone. If you are approved for the instant funding option and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification, or the availability of the loan proceeds could take up to 4 hours.1 Funding times vary based on your bank.

If you are approved for a loan and eligible for instant funding, you will be presented with the Instant Funding to Your Debit Card option after signing your loan documents. Please note that not all banks allow instant funding and not all applicants are approved for instant funding. 

  • If you are not eligible for instant funding to your debit card, then we will not ask for your debit card information.   
  • If you are eligible for instant funding, you enter your debit card information. If your bank does not allow instant funding, then we will notify you immediately by email, and your money will be direct deposited into your bank account by the next business day.   

For security purposes, if you are a new loan customer to ACE, we may require additional verification to confirm your identity.  We do this to ensure we are sending your loan proceeds to the right place. 

If you are approved for the instant funding option and you select that option, your loan proceeds may be available within 30 minutes of loan approval and verification, or funding could take up to 4 hours.1 Funding times vary based on your bank.   

There are several reasons why you may not have been presented with the Instant Funding option. We take many factors into consideration, such as loan type, regulations, and eligibility based on our underwriting.2

If you are approved for the instant funding option and you select that option, please submit the debit card information and complete any additional verification before contacting your bank to check the status of your funds.

If you did not make a selection on how to receive your online loan proceeds at the time you completed your application and signed your loan documents, we are unable to take your debit card information to fund your loan. Your loan proceeds will be automatically deposited to the bank account as listed on your loan application by the next business day.

We are unable to retrieve funds from the card provided in the loan application process.  Please contact your bank for further assistance. 

No.  The system will not use your debit card to process your scheduled loan payment(s).  We will use the banking information provided on your loan application to process your loan payment(s). 

Instant funding to a debit card is only available for online loans. Approved store loans are paid in cash. 2

For your security, we may send you a personalized verification code to verify your identity. We do this to make sure we are sending your loan proceeds to the right place. Don’t worry; this extra step won’t take you long to complete.  

Keeping your information private and safe is our top priority. During your loan application process, you may see an account verification option after signing your loan documents online if you are eligible for instant funding. You will select a preferred communication method (either a text message to your cell or a voice call) to receive your personalized verification code. Simply enter the personalized verification code you received for your loan application and select Verify Account to complete the verification process.  

Click the Re-send option within the first 5 minutes. If you still do not get the code, check to see if any of the following apply to you: 

  • Mobile Device problems – Make sure your plan has not reached its data limit.
  • Unblock Phone Numbers – Your account verification code from ACE Cash Express will come from the following number: 87175.
  • Do Not Disturb – Make sure you haven’t turned on the Do Not Disturb feature for your mobile device. When this feature is turned on, notifications aren’t allowed to alert you on your mobile device.  Refer to your mobile device’s manual for instructions about how to turn off this feature.
  • Restart your mobile device – Sometimes your device needs a refresh.  When you restart your device, all background processes and services are ended.  The restart also shuts down the core components of your device.  Any service or component is refreshed when you restart your device. 

If you are unable to successfully complete the account verification process, your funds will be automatically deposited to your bank account by the next business day.  No further action is required.   

The verification code is only valid for 5 minutes.  If you receive more than one code, please try entering the last code you received.  You will be given three attempts to enter your verification code.  If you are unable to successfully complete the verification process, your funds will be automatically deposited to your bank account by the next business day.  No further action is required.   

We can only send the verification code to the phone number provided on your loan application.  If you do not currently have access to your phone, your funds will be automatically deposited to your bank account by the next business day.  No further action is required.