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


72 Hour Risk-Free Satisfaction Guarantee


Apply Now for a Payday Loan

Please correct the following item(s):

* All fields required

What is a Payday Loan?

Payday loans are short-term loans designed to help you pay for immediate expenses. They are considered short-term loans because the loan balance is due the following payday. A payday loan is a practical choice when you need a small amount of money. It is very important to know what to expect when seeking any loan product. Here are some things to keep in mind:

  1. Long-term loans are a better choice when you need a larger amount of money. Long-term loans have a longer payback process than payday loans. However, with long-term loans, you must undergo a rigorous application process that may take several days to weeks to obtain cash. Short-term payday loans are generally expected to be repaid by the time your next pay period comes around. If approved for an online payday loan, your cash may be deposited overnight.1,2
  2. Long-term loans often require the borrower to explain the purpose of the loan before approving the transaction, so you may need to disclose personal information you want to keep to yourself. ACE Cash Express does not require an explanation for how you will use the money for payday loans. This helps ensure privacy and speeds up the loan process.
  3. Short-term loans like payday loans and cash advances are not meant to be solutions to longer term credit problems. Longer term loans are offered at lower rates. Payday loans are responsibly used when you can pay them back in full on their due date.