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Satisfaction Guaranteed

Satisfaction Guaranteed

Every online loan comes with a 72-hour Satisfaction Guarantee. So, if you change your mind about your online loan, just return the principal within 72 hours and pay nothing more.

Just apply and you're on your way.

We've simplified the online loan application process to make it fast and easy for you to apply for the cash advance you need. In fact, you can complete the application online in minutes and get an instant decision.1



Payday Loans available online in the following states:
Alabama California Florida Hawaii
Idaho Kansas Louisiana Maine
Minnesota Mississippi 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. You will need this information to complete the loan application. If approved, your cash may 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 1,400 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. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.‚Äč ACE Cash Express, Inc. is a licensee under the Alabama Small Loan Act. ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. 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. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115.


2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.  


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 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 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.
  • Refinancing a Loan – We do not automatically refinance any of our loans or credit services transactions. Where refinances are available (varies by state), you may refinance your loan or credit services transaction by logging in as a returning customer prior to your due date and applying for a refinance. In connection with any refinance, you will be required to agree to new transaction agreements via electronic signature for the refinanced transaction. Our standard rates for loans or credit services transactions will be assessed on that refinance (varies by state – see posted fee schedules). You may also call us to discuss payment plan options at (866) 355-6815.