Satisfaction Guaranteed

Satisfaction Guaranteed, Risk Free

When you apply for a payday loan at ACE, all you need is a source of income and a bank account. Plus, every loan comes with a 48-hour satisfaction guarantee (Texas, Ohio and California: 72-hour satisfaction guarantee). So if you change your mind about your loan, just return it within 48 hours (Texas, Ohio and California: 72 hours) and pay nothing more. 

Just apply and you're on your way.

We've streamlined the payday loan application process to make it easy for you to apply for the cash advance you need — fast. No faxing or collateral required! In fact, you can complete the application online now and get a decision in minutes.



Payday Loans available online in the following states:
Alabama California Florida Hawaii
Idaho Kansas Louisiana Maine
Minnesota Mississippi Missouri Nevada
Ohio South Dakota Tennessee Texas

Cash deposited overnight 2

Make sure you have your social security number and banking information handy while completing the application, as you will need this information to be eligible for a loan. If approved, your cash should be deposited overnight.2

 

Fast Cash

Instant loan decision

Cash in hand today

Or cash deposited overnight 2

Safe and Easy

Secure Application

Easy Application

No Faxing Required

A Trusted Partner

More than 40 years of trust

More than 1,500 locations

Dependable quality service

  • Application

    Get an instant decision in just a few minutes.1

  • Requirements

    View our minimum requirements for being approved for a loan.

  • Licenses and Rates

    View our state license and short term lending rates.

  • FAQs

    Find answers to common questions about online loans.

  • Login

    Manage your existing loan account by logging in.

  • More Information

    More details about how to use online loans.

1. Loans in Minnesota made by ACE Minnesota Corp. ACE Cash Express, Inc. is licensed pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. Loans in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. ACE is a licensee under the Alabama Small Loan Act. Not all consumers will qualify for a loan or for the maximum loan amount. All loans subject to approval pursuant to standard underwriting criteria. Terms and conditions apply. Payday loans should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.


2. Loan approval is subject to standard underwriting criteria. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days.


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 Clarity Services, Inc., P.O. Box 5717, Clearwater, Florida 33758, (866) 390-3118 and/or FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.


Annual Percentage Rate (APR) varies from 65.35% - 1409.36% and is based on state, loan term, loan funding date and other underwriting considerations. Please select the state above for further details on APR.


What happens if I fail to make a timely payment on my loan or credit services transaction?


Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following:

  • Financial Implications – Currently, no past due interest is assessed on any loans you may obtain from us or that we may arrange for you . However, you may be assessed a late fee if you fail to make your payment by a specified period following its due date and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid (late fee and returned item fees vary by state – see your transaction agreements for additional details).
  • Collection Activity – We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, SMS or email.  We may also exercise any of our rights under our loan or credit services agreements with you.  If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buyer or engage a collection agency, who may also institute collection activity with you.
  • Impact on Your Credit Score – We do not currently report loan activity to any of the three major credit bureaus (Equifax, Experian or TransUnion). However, we do use alternative credit reporting agencies such as FactorTrust.  Failure to make timely payment on your loan may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
  • Renewal of your Loan – We do not automatically renew any of our loans or credit services transactions. Where refinances or renewals are available (varies by state), you may obtain a refinance or renewal of your loan or credit services transaction by logging in to your account prior to your due date and applying for a renewal or refinance. In connection with any renewal or refinance, you will be required to e-sign new transaction agreements for such renewed or refinanced transaction and our standard rates for loans or credit services transactions will be assessed on such renewal or refinance (varies by state – see posted fee schedules).