Payday Loans Online

Do you have too much week left at the end of your paycheck? Don't let that stop you from paying your bills on time, taking care of emergency repairs, or putting groceries in your pantry. Payday loans online can help you get the money you need. Read on to learn more about ACE payday loans. 


1. Can I get a payday loan? 


Sometimes unexpected financial concerns can pop up without warning. When you need cash before your next payday, a payday loan, also known as a payday advance or cash advance, may be able to help.  

We've created our payday loan application process with you in mind. If you have regular income and can't wait for your next deposit, you can apply for a payday loan.1 We've got your back. 

Apply for payday loans online with ACE in as little as 5 minutes. Our servers are secure, your information is confidential, and we'll give you a decision instantly.  

Need more time to repay? Consider looking into our installment loans


2. Does ACE offer loans in my state? 


ACE offers payday loans online in the following US states: 

Plus, we offer in-store payday loans at ACE locations across the country, including:     

If you live in Texas, you may be able to qualify for an online installment loan for up to $2,000. Learn more about Texas online loans here.  


3. What is the best payday loan online? 


If you're looking for payday loans online, you'll want to think about the ease of applying and how quickly you need cash. To determine the best online payday loan provider for your needs, you can research the history of different companies and read customer reviews.  

ACE has been in the business of helping people like you with a variety of financial services for over 50 years. We understand how hard you work each week to pay bills and make ends meet. We also understand that unexpected expenses come up. It happens. That's why we want to make applying for a payday loan as fast and easy as possible.  

If approved for a cash advance, 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 


4. What do I need to get a payday loan? 


Our payday loan application is simple and fast.   

Here's the information that you’ll need to apply for a loan.  

Payday loans online: 

  • Social Security number (SSN) or tax ID  
  • Email address 
  • Information for your valid bank account  
  • Phone number (in case we need more info)  
  • Evidence of a steady source of income, such as employment, retirement, disability, self-employment, or another recurring source of income  

Payday loans in-store:     

  • Valid ID (like a drivers license) 
  • SSN and email address may be requested (have them with you just in case) 
  • Valid bank account info 
  • Evidence of a steady source of income, such as employment, retirement, disability, self-employment, or another recurring source of income 

At this time, we can't offer payday loans to those under the age of 18, serving in active or reserve military service, dependents of a member of the Armed Forces on active duty, or those going through bankruptcy.  


5. Can I apply for a payday loan online? 


Yes. You can apply for payday loans online in participating states.  

First, verify that we offer online payday loans in your state. See list above. 

Second, fill out our online application.  

ACE does not ask you to provide extensive credit history or require unnecessary paperwork — but we will provide you with an instant loan decision. Plus, there’s no need to wait in boring bank lines when you can complete an online loan application in just a few minutes!  

If you're approved, you're ready for step three.  

Third, we will deposit your funds into your bank account on the next business day (in most cases).2,3 Alternatively, if eligible, you may be able to pick up cash in a store in the state in which you originated your loan. 

Now you can spend your money on bills or unexpected expenses, or whatever you need. 


6. How long does it take for funds from a payday loan to be deposited? 


When you apply for payday loans online, typically ACE will give you an instant decision. Occasionally, we may need to verify some information over the phone before we make a decision.  

If your loan gets approved before 6:00 PM Central Time (CT) on a weekday (Monday - Friday) — we usually deposit your funds the next business day (so you can start using it quickly).  

On the weekends, if you get approved before 2:00 PM CT on Sunday, we also deposit funds on the next business day in most cases.2 

When you apply in-store, you'll receive a decision immediately after completing your application.  If you're approved, you'll walk out of the store with cash in your hand.