Apply by 6:00pm CT to have cash deposited overnight1,2

Save 20% off CSO fees by using promo code SAVE20*


Apply Now!

Apply by 6:00pm CT to have cash deposited overnight1,2

Save 20% off CSO fees by using promo code SAVE20*


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Fast Cash1,2

Apply for a Payday Loan Online with ACE Cash Express

Convenient

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Risk-Free3

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

What if I change my mind?

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. 


In Ohio and Virginia, you have until 5:00 PM Central Time on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5:00 PM Central Time on Thursday to cancel your loan.

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. Populus Financial Group, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender.

  2. For approved in-store loans, you will receive funds immediately. For online loans, approval and funding may require 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 of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup of online loans not available in all states.  In-store cash pickup of online loans requires valid, non-temporary government-issued identification. Online loans 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.

* To be eligible to receive the discount, a customer must not have an outstanding balance with ACE Cash Express. Offer valid for online payday loans to current Texas and Ohio residents only. All loans subject to approval pursuant to standard underwriting criteria. Discount valid for online loans only.

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, and/or FactorTrust, Inc.

Annual Percentage Rate (APR) varies from 92% - 1242% and is based on state, loan term, loan funding date and other underwriting considerations. Please select the state above for further details on APR.