Online Loans: Payday Loans, Installment Loans | ACE Cash Express (2024)

California residents: Learn what personal information we collect and how we use it by viewing the California Notice at Collection.

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If approved, you may be eligible to receiveinstant fundingto a qualifying debit card.¹

Apply for payday loan apply for installment loan

Applying for a loan online at ACE does not affect your FICO® Score.†

What is an Online Loan?

Anonline loan, put simply, allows you to complete the entire borrowing process by submitting an application from a desktop computer or mobile device, receiving an instant decision to loan funding, without ever setting foot inside a store. These loans can be a convenient way to borrow money, and may provide a solution when you need funds but can't wait for the traditional lending process.²

Types of loans available online at ACE Cash Express include either apayday loan(also known as a payday advance orcash advance), which is typically due in full on your next paycheck, or aninstallment loan(also known as ashort-term loan), which allows loan repayment with multiple payments over a longer time period.³

At ACE, we offer loans online that may provide you with the money you need at your convenience!²The application process is simple. Whether you're facing a financial emergency or have an unexpected expense, ACE offersshort-term online loansthat may be an option to get you back on track.

Where Can I Apply for an Online Loan?

Online personal loans that may provide aninstant fundingoption¹ are available in the states listed below. Minimum and maximum loan amounts vary by state and by personal loan type. If you are approved, the amount you borrow depends on your income and standard underwriting criteria.²

Payday Loans Online

Payday loans online are available in these states, with their respective loan amount ranges:

• California: $100 - $255
• Idaho: $100 - $1,000
• Kansas: $100 - $500
• Louisiana: $100 - $300
• Texas:$100 - $1,500

See Also

Insta Personal Loan | Apply for an Instant Loan Online - Bajaj Finance Limited$10,000 Loan Monthly Payment

Installment Loans Online

Installment loans online are available online in these states, with their respective loan amount ranges:

• Delaware: $100 - $2,000
• Florida:$100 - $1,000
• Missouri: $100 - $2,000
• Texas: $100 - $2,000

What Do I Need to Apply for an Online Loan?

When you apply for a personal loan online at ACE, we will ask you to provide the following information:

• Personal Information
• Income Information

Personal Information

• Name
• Address
• Valid and active email
• Phone number
• Valid Social Security Number or Individual Taxpayer Identification Number

Income Information

• Proof of a steady source of recurring income, such as employment, retirement, disability, self-employment, or another income source.
• Proof of active bank account that has been open for at least one month. California consumers must have proof of an active, personal checking account that has been open for at least one month.

See also thepayday loan requirementsor the installment loan requirements for more details.

How Do I Apply for a Loan Online at ACE?

Follow these simple steps to apply for an online personal loan at ACE:

1. Complete the onlinepayday loanor onlineinstallment loanapplication. It takes just a few minutes.
2. Receive an instant decision.
3. If you are approved, have your loan proceeds instantly delivered to your debit card if eligible¹or direct deposited to your bank account by the next business day, or – depending on your state and if eligible – pick up cash at a store near you!⁴

Online Loan Frequently Asked Questions

Will applying for an online loan hurt my credit?

ACE 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.

Can I apply for an online loan with bad credit?

We may consider your credit score, credit history, and other information received from a non-traditional credit reporting agency, but we also use personal information other than your credit score to determine your ability to repay the loan.† Don’t let a less-than-perfect credit score or credit history deter you; anyone may apply.

Can I apply for an online loan if I am retired?

Yes. However, you must have a steady source of recurring income.

How do I repay my online loan?

Automatic Payment

Payday loan

The amount you owe will be automatically withdrawn from your bank account on the day your loan is due. If you prefer a different method, you can pay online, by phone or in person at an ACE store. A convenience fee may apply when paying by phone.

Installment loan

During the online installment loan application process, you have the choice to set up automatic recurring payments and have your funds automatically withdrawn from your bank account on each due date, giving you peace of mind about paying on time. However, there are other ways to pay as well, including online, over the phone and at an ACE store. A convenience fee may apply when paying by phone.

Pay Online

Log into your loan account at www.myacepayments.com. And remember, there’s no penalty for early repayment.

Pay Over the Phone and Pay at an ACE Store

Pay Over the Phone - Call our 24/7 automated phone system at (866) 728-1808 to pay by phone. A convenience fee may apply.

Pay at an ACE Store - Depending on your state, you may also visit anACE brick-and-mortar locationnear you and pay in person.

What can I use an online loan for?

Like any other type of personal loan, you can use an online loan for your emergency needs. Common uses for personal loans include:

• Medical bills
• Auto repairs
• Home repairs
• Unexpected expenses

Apply Now

Payday Loan

Start Your Application

Installment Loan

Start Your Application

Related School of ACE Blog Posts

• Understanding Online Loans - A Definitive Guide
• Online Loans vs. In-Store Loans: Which Is Right for You?
• When You Should and Shouldn't Take an Online Loan
• How to Pay for Emergency Repairs

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