When you’re facing a financial emergency or have an unexpected expense, ACE Cash Express’ short-term loans online may be a great option. The online loan application takes just a few minutes to complete, and you’ll receive an instant loan decision.1 If you’re approved, you could pick up cash at a store near you or have money direct deposited into your account the next business day.1,2


What Types of Short-Term Loans Are Available? 


At ACE Cash Express, we offer two types of short-term loans online: installment loans and payday loans. As quick loans, these options offer money for unexpected expenses when you need it.  Loans proceeds usually can be deposited to your bank account the next business day, or you may be able to pick up cash in store same day or next day for pickup.1,2 These loans offer a quick application that typically takes about 5 minutes to complete. This is great when you need to know if you’re approved quickly. 


Installment Loans


Installment loans are designed to give you more time to repay your principal amount.3 Once you receive your funds, you’ll be able to pay your loan back in substantially equal, regularly scheduled payments. These installments are scheduled around your pay cycle, so the number of payments and length of your repayment term will depend on your pay periods. If approved, you may be eligible for an online installment loan if you reside in one of these states:  

  • In California, ACE no longer offers installment loans. Apply for a payday loan from $100 - $255  online or visit a store instead.
  • Delaware: $100 - $2,000 
  • Florida: $100 - $1,000
  • Missouri: $100 - $2,000 
  • In Ohio, ACE no longer offers installment loans online. Visit a store to apply in person. 
  • Texas: $100 - $2,000 


Payday Loans 


Payday loans, also referred to as cash advances, give you access to quick cash for urgent financial needs. Repayment of the full balance is usually due on your following payday, making this a short-term loan. When you need immediate access to a small amount of money, and you are able to repay your loan in just a couple of weeks, this may be an ideal option. ACE Cash Express offers quick payday advance online for residents of these states: 


If you are still building your credit or have recently experienced a dip in your traditional credit score, it can be hard to get loans. Even if your credit score is a work in progress, you may still qualify for an ACE Cash Express in-store or online loan.1


How Can I Apply for a Short-Term Loan? 


We know you don’t have a lot of time to waste, so we’ve made it incredibly easy to apply for a short-term loan online. As long as you have access to a computer or mobile device, you can easily complete our quick loans application process and receive an instant decision on your qualification.1 To complete the application, you’ll need easy accessibility to this info: 

  • Your Social Security Number or Individual Taxpayer Identification Number 
  • Bank account information 
  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source  


In just minutes, you’ll know if you qualify for a short-term loan. If you do, you may be able to visit your local ACE Cash Express store to pick up your cash or possibly receive your funds through an overnight deposit to your bank account.1,2


Once you receive your short-term loan, whether an installment loan or payday loan, you have 72 hours to return the full principal amount without incurring fees or interest.