If you are still building your credit or have recently experienced a dip in your score, it can be hard to get a loan. Even if your credit score is a work in progress, you may still be able to qualify for an ACE Cash Express in-store or online loan.1


What is an Online Payday Loan? 


A payday loan, also known as a payday advance or cash advance, offers fast access to cash. If you need help paying rent or covering a bill, payday loans can help you meet your financial responsibilities until you receive your next paycheck. Payday advances are considered short-term loans because they have a short repayment period, usually due on your next payday. Online payday loans are available to residents of these states in the loan ranges indicated below: 

We offer other short term loan options in DelawareFlorida, Missouri, and Texas.


We know that you need quick cash when you get a payday loan, so we offer next-day availability to some customers who qualify for a payday loan online.2,3 If approved, you may be able to pick up your cash at your local ACE Cash Express store in the state in which you originated your loan or choose to have your funds deposited to your bank account overnight.2,3


Can I Get a Payday Loan with Poor Credit? 


When applying for a payday loan online, we ask you to provide a variety of information about you. Rather than basing our decision entirely on a credit check, we use the information you provide to build a picture of your ability to repay a loan.1 We may still consider your credit score and information from credit reporting agencies, but your additional financial history helps us get a better picture of your creditworthiness.  


How Do I Know If I Qualify for a Payday Loan Online? 


At ACE Cash Express, we’ve created a quick and easy online payday loan application that allows you to get a fast answer about your qualification — often within just minutes. You can complete the application on a computer or mobile device for a process that’s as hassle-free as possible. When you’re ready to complete your application, make sure you have this information handy: 

  • Your Social Security Number or Individual Taxpayer Identification Number 
  • Information for your valid bank account 
  • Evidence of a steady source of income, such as employment, retirement, disability, self-employment, or another recurring source of income 
  • Phone number (in case we need more info)  

Once you’ve submitted your application, you’ll receive a quick loan decision.1


What’s the Best Payday Loan Company If I Have Bad Credit?  


Even if you’re worried that your credit score may disqualify you from obtaining a payday loan, carefully consider payday advance lenders, like ACE Cash Express, who are honest about the information requested and standardized underwriting. Never work with any lender or company who claims to offer bad credit loans. 


To help you find the best payday loan company for your needs, carefully consider the reputation of the companies you consider. At ACE Cash Express, we value you as a customer and want to help you reach your financial goals.


If approved for a payday loan from ACE Cash Express, you can have peace of mind about your loan and repayment terms. From the moment your loan is approved,1 you’ll know exactly when your repayment is due.  


Plus, if you change your mind or no longer need the loan, you can repay the full principal amount within 72 hours of receiving your funds and avoid all additional fees and costs.