Back to School Expenses?

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Let ACE help you cover the cost of supplies, books, and other unexpected expenses.

Back to School Expenses?

ACE is here for you.

Apply Now for a Payday Loan

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Terms, Conditions and Privacy Policy License and Rates

Quick Money

ACE Cash Express gives you the option to get cash fast! You may be eligible for one or both of the following options:1

  • Pick up cash at a local ACE Cash Express store.2
  • Have money deposited into your bank account overnight.2

Easy Application

We have simplified the online payday loan application process to make it fast and easy for you to apply for the cash advance you need. In fact, you can complete the application online in minutes and get an instant decision.

Make sure you have your social security number, source of income, and banking information handy while completing the application.

Payday loans are available online in the following states:

California, Florida, Idaho, Kansas, Louisiana, Minnesota, Ohio, Texas

Risk-Free

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.

Fast Cash

Fast Cash1,2

Have money deposited into your bank account overnight.1,2

Manage your account on your mobile device

Convenient

Apply online in minutes and get an instant decision.

72 Hour Risk-Free Satisfaction Guarantee

Risk-Free3

Every loan at ACE comes with a 72-hour satisfaction guarantee.

Application
Application
Apply online in minutes and get an instant decision.
Licenses & Rates
Licenses and Rates
View our state license and short term lending rates.
Frequently Asked Questions
FAQs
Find answers to common questions about loans.
Log In
Login
Manage your existing online loan account by logging in.
More Information
More Information
More details about how to use online loans.
Requirements
Requirements
View our minimum requirements for being approved for a loan.
  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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.