Payday Loans

Money when you need it most.

  1. 1
    Apply Online in Minutes
    Our online application is fast, secure, and easy.

  2. 2
    Get an Instant Decision
    You will receive a decision immediately following completion of your application.1

  3. 3
    Fast Cash Available
    If approved, pick up your cash at your local ACE store or have it electronically deposited into your account.2
Fast Cash

Fast Cash1,2

Manage your account on your mobile device

Convenient

72 Hour Risk-Free Satisfaction Guarantee

Risk-Free3

Apply Now for a Payday Loan

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Faxless Payday Loan

At ACE Cash Express, we do what we can to make applying for a payday loan hassle-free. We do not have a lengthy loan application and we do not require anything to be faxed. Instead, we allow you to apply for a loan online so that, if you are approved, you could receive funds within one to two business days1,2 - with no extra paperwork needed.

Submitting an online application is free, and we do not require collateral for the loan. If approved, your faxless payday loan proceeds may be electronically transferred to your checking account overnight.1,2 It is a quick process for receiving fast cash.

One benefit of our faxless payday loan, besides simplicity, is the assurance that sensitive information is not shared with the wrong people. At ACE Cash Express, we respect your online privacy and safety. ACE has been in business since 1968, and values its relationship with millions of customers.

We are a leading financial services retailer, with over 1,000 locations throughout the U.S. If you cannot visit us in person, our online loan application process is a fast, safe alternative. Feel free to call one of our representatives at (866) 355-6815 to discuss the options we have for you today.

  1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. 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.​ ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. 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. is licensed by the Virginia State Corporation Commission, PL-115.
  2. 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.
  3. Every loan comes with a 72-hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

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, FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.

What happens if I fail to make a timely payment on my loan or credit services transaction?

Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following:

  • Financial Implications – Currently, no past due interest is assessed on any loans you may obtain from us or that we may arrange for you. However, you may be assessed a late fee if you fail to make your payment by a specified period following its due date, and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid (late fee and returned item fees vary by state — see your transaction agreements for additional details).
  • Collection Activity – We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, or email. We may also exercise any of our rights under our loan or credit services agreements with you. If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buyer or engage a collection agency, who may also engage in collection activity with you.
  • Impact on Your Credit Score – We do not currently report loan activity to any of the three major credit bureaus (Equifax, Experian or TransUnion). However, we do use alternative credit reporting agencies such as FactorTrust. Failure to make timely payment on your loan may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
  • Refinancing a Loan – We do not automatically refinance any of our loans or credit services transactions. Where refinances are available (varies by state), you may refinance your loan or credit services transaction by logging in as a returning customer prior to your due date and applying for a refinance. In connection with any refinance, you will be required to agree to new transaction agreements via electronic signature for the refinanced transaction. Our standard rates for loans or credit services transactions will be assessed on that refinance (varies by state – see posted fee schedules). You may also call us to discuss payment plan options at (866) 355-6815.