What is an Online Loan?

An online loan, put simply, allows you to complete the entire borrowing process by submitting an application from a desktop computer or mobile device, receiving an instant decision to loan funding, without ever setting foot inside a store. They can be a convenient way to borrow money, and may provide the solution when you need funds but can't wait for the traditional lender approval process. 1

An online personal loan can be either a payday advance (also known as a payday loan or cash advance), which is typically due in full on your next paycheck, or an installment loan (also known as a short-term loan), which allows you to pay the loan back over a more extended period of time than a payday loan.2

At ACE Cash Express, we offer online loans that may provide you with the money you need at your convenience!1 When you're facing a financial emergency or have an unexpected expense, ACE Cash Express offers short-term online loans that may be an option to get you back on track.

Where Can I Apply for an Online Loan?

Online loans that may provide an instant funding option are available in the states below. Minimum and maximum loan amounts vary by state. If approved, the amount you borrow depends on your income and standard underwriting criteria.1

Payday loans are available online in the states below:

Installment loans are available online in the states below:

What Do I Need to Apply for an Online Loan?

When you apply for a payday or installment loan online at ACE Cash Express, you will be asked to provide the following information: 

Personal Information

  • ​​​​​Name
  • Address
  • Valid and Active Email
  • Phone Number
  • Valid Social Security Number or Individual Taxpayer Identification Number
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Income Information

  • Proof of a steady source of recurring income, such as employment, retirement, disability, self-employment, or another income source.
  • Proof of active bank account that we ask to be open for at least one month. California customers must have proof of an active, personal checking account that has been open for at least one month.

If you have more questions about requirements, please refer to payday loan requirements or installment loan requirements.

How Do I Apply for a Loan at ACE Cash Express?

To apply for an online payday or installment loan follow these simple steps:

  1. Complete the online payday loan or online installment loan application. It takes just a few minutes.
  2. Receive an instant decision.
  3. If approved, have your loan proceeds instantly delivered to your debit card if eligible,4 or direct deposited to your bank account by the next business day, or depending on your state and if eligible, pick up cash at a store near you! 3

Online Loan Frequently Asked Questions

ACE Cash Express may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO ® score.

We may consider your credit score and information received from a non-traditional credit reporting agency, but we also use other personal information to determine your ability to repay the loan. For more information, please refer to: how to apply for online loans with poor credit.

Yes, but you must have a steady source of recurring income payments.

Automatic Payment

Payday Loan

The amount you owe will be automatically withdrawn from your bank account on the day your loan is due (also called an ACH payment). If you prefer that your payment not be automatically withdrawn from your bank account, you may make a payment by one of the other options below.

Installment loans

During the online installment loan application process, you have the choice to set up automatic recurring payments and have your funds automatically withdrawn from your bank account on each due date (also called an ACH payment). You won’t have to worry about manually scheduling installment payments or missing a due date, giving you peace of mind.

Pay Online

You may also make a payment online by logging into your loan account at www.myacepayments.com. And, remember, there’s no penalty for repaying early.

Pay Over the Phone and Pay In-Store

You may make a payment by one of the other options below.

Pay Over the Phone - You may also make a payment by phone using our 24/7 automated phone system by calling (866) 728-1808. Convenience fee may apply.

Pay In-Store - Depending on your state, you may also visit an ACE Cash Express location near you to make a payment. 

Like any other type of loan, you can use an online loan for your emergency needs. Common uses for online loans include:

  • Medical Bills
  • Auto Repairs
  • Home Repairs
  • Unexpected Expenses

Apply Now for an Online Loan

Payday Loans

Payday Loan

Start a Payday Loan Application


Installment Loan

Start an Installment Loan Application