If you need a loan in a hurry, ACE Cash Express has short term loans that may provide you a solution.1 


A short term loan can help you cover overdue utility bills, unexpected car repairs, or emergency expenses. Short term loans include payday advances, sometimes called quick payday advances, cash advances, or payday loans, and installment loans, which are sometimes referred to as quick installment loans.


Even the best planners can encounter an unanticipated need. Sometimes no amount of budgeting can prepare you for an emergency cash need. Short term loans may come in handy if you have an unexpected expense. An online quick loan is designed to provide fast cash to borrowers who are approved. 


Short term loans also fill the gap left by traditional banks. In some cases, you may not have enough cash to cover your emergency need.   


How can I get a quick installment loan online?  


Quick installment loans are available online in the five states below. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1 

Loans from $100 - $1,000: Florida

Loans from $100 - $2,000: DelawareMissouri, New Mexico, Texas

NOTE: In California, ACE no longer offers installment loans. Apply for a payday loan up to $255. 

            In Ohio, ACE no longer offers installment loans online. Visit a store to apply in person. 

To apply for a quick installment loan, fill out the online application form and, in a matter of minutes, you will get a decision. The ACE Cash Express online installment loan application process makes it fast and easy for you to apply. Alternatively, you can call one of our friendly customer service representatives at 866-223-2274 to apply. 


To apply, whether online or by phone, you’ll need to have your Social Security number, source of income, and banking information available while completing the application.  


If approved, your funds may be transferred directly to your bank account overnight or you may be able to visit your local ACE Cash Express to pick up cash.1,2 If in-store cash pickup is an option, it is only available at ACE Cash Express locations in the state where you originated your loan.  Also note, in-store cash pick up requires a valid, non-temporary government issued identification.  


The benefits of an installment loan at ACE Cash Express include:  

  • A safe and secure transaction 
  • No hidden fees 
  • No prepayment penalties 


How can I get an installment loan or quick payday advance online? 


Quick payday advances can help you avoid excessive overdraft fees when you are short on cash.  When you repay your loan before the due date, you may be able to save money on fees. 


In order to be eligible for a quick payday advance or installment loan from ACE Cash Express, you must meet the following requirements:  

  • Evidence of a steady source of income, such as employment, retirement, disability, self-employment, or another recurring source of income   
  • You must reside in the state you choose for your loan application. 
  • You must be at least 18 years old. 
  • You must not currently be a debtor in a bankruptcy case or intend to voluntarily file for bankruptcy relief. 
  • You must not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard on active duty under a call or order that does not specify a period of 30 days or less or an individual on active Guard or Reserve duty, or be the dependent of such member or individual 
  • Social Security Number (SSN) or tax ID 
  • Valid bank account info 
  • Valid phone number  


You can complete the online payday loan application, which is simplified to make it fast and easy for you to apply for the cash advance you need.1 In most cases, you can complete the application online in minutes and get a decision quickly. You can also call 866-223-2274 and apply directly with a customer service representative.  


Make sure you have your social security number or Individual Taxpayer Identification Number, source of income, and banking information in hand when you apply for a payday or installment loan.  


Payday loans are available via online application only in the following states:

Loans up to $255: California

Loans up to $300: Louisiana

Loans up to $500: Kansas, Minnesota

Loans up to $1,000: Idaho

Loans up to $1,500: Texas


Benefits include: 

  • Easy application 
  • Quick approval decision 
  • Fast access to cash1,2


All of our quick loans at ACE come 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.3