What is a Quick Online Loan?

If you need a loan in a hurry, ACE Cash Express offers short term loans that can provide a solution.1 A short-term loan can help you cover overdue utility bills, unexpected car repairs, or emergency expenses. Short term loans can include installment loans and payday loans, sometimes called quick payday advances, cash advances, or payday 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.  

Why ACE Cash Express

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What Quick Online Loans Do We Offer?

If approved,1 a quick loan amount may vary depending on your state, standard underwriting criteria and income amount. Below are the online installment and payday loan amounts available at ACE Cash Express.

What Information Do I Need to Apply for a Quick Loan?

What Information Do I Need to Apply for a Quick Loan? image

To be eligible for a quick payday advance or quick installment loan at ACE Cash Express, you must meet the following requirements: 

  • The applicant must present evidence of income, such as evidence of employment, retirement, disability, or self-employment.
  • Applicant must be able to provide valid banking information.
  • Social Security Number (SSN) or tax ID.
  • Valid telephone number and email address.


If you have more questions about requirements please refer to Payday loan requirements  or installment loan requirements.

Secure a Great Loan in 4 Steps

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Review the Requirements

Review and ensure that you meet the requirements.

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Verify Loans in Your State

Verify which quick loan is available at ACE Cash Express in your state.

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Complete Your Quick Loan Application

Fill out the quick online installment loan or quick payday loan application form in a matter of minutes to get your decision.

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Receive Your Funds

If approved, your funds may be transferred directly to your bank account overnight, or you may be able to pick up cash at your local ACE Cash Express.3   In store pickup is only available at our stores in the state the loan was originated. Use the Store Locator to find a store near you.

Quick Loans Questions

We do consider your credit score and information from credit reporting agencies, but we use other personal information to determine your ability to repay the loan.4 For more information please refer to: how to apply for online loans with poor credit.

No. You will not be charged to apply for a loan, whether or not you are approved.

Yes, but you must have a steady source of recurring income payments to apply for a loan.

ACE Cash Express may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO® score.4