How do I apply for a payday loan?
Payday loans are no longer available in Ohio, but we have other short-term loan options for you! We offer flexible loans in Ohio allowing you to repay your loan in installments over a longer period of time than a traditional payday loan.1
Learn more about the benefits of our flexible loans. When you’re ready, fill out our easy and fast online loan application to apply for the cash advance you need. In fact, you can complete the application online in minutes and get a quick decision. Call 866-223-2274 to speak directly to a loan representative.
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:
Flexible loans are available online in the following states:
What is the difference between a payday loan and a flexible loan?
Payday loans are a type of short-term loan where your payment is due back on your next payday. This type of loan is helpful when, say, rent is due on the 1st, but you don’t get paid until the 5th. You can apply for a payday loan before the 1st and if approved, repay it on your pay date. Payday loans are ideal in situations where you know you’ll have the money to repay it the next time you get paid. But what if you need more time to pay it back? A flexible loan could be a better option for you.
Flexible loans are a type of short-term installment loan that allow you to repay over time. Let’s return to the rent scenario. Apply for a flexible loan before the 1st and if approved, you could pay it off in biweekly or monthly payments (depending on when you get paid and your loan schedule).
Now, let’s say that you think you need more time to repay your loan. But, when that first payment comes due, you realize you can pay it all back right then. With flexible loans, you can choose to pay off your loan all at once just like a traditional payday loan. And there’s no penalty for paying it off early, either. In fact, if you pay back your flexible loan in full on your first installment due date, you may pay less than a payday loan.1 Learn more about the benefits of a flexible loan.
If approved, when will I receive my funds?
ACE Cash Express gives you the option to get cash fast, if approved! You may be eligible for one or both of the following options:2