Fast Cash

Money when you need it most.

Get Started With a Payday Loan Application Today!

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How do I apply for a payday loan?

We have simplified the online payday 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 a decision quickly. Call 866-223-2274 to speak directly to a payday loan representative.

Make sure you have your social security number, source of income, and banking information handy while completing the application.

Payday loans are available online in the following states:

California, Idaho, Kansas, Louisiana, Minnesota, Texas

If approved, when will I receive my funds?

ACE Cash Express gives you the option to get cash fast, if approved! ¹ You may be eligible for one or both of the following options:

Pick up cash at your nearest ACE Cash Express store.²
Have money deposited into your bank account overnight.²

What if I change my mind and decide to cancel my loan?

Payday loans at ACE come with a 72-hour satisfaction guarantee. So, if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

Payday Loan Reviews

Read the contracts and nothing should…

Read the contracts and nothing should catch you by surprise. Customer service is helpful and knowledgeable.

Levincent M.

February 22, 2019

The Customer Service Representative…

The Customer Service Representative provided excellent customer service.

Cynthia H.

February 14, 2019

ACE is always there when I need them

ACE is always there when I need them! Fast, easy online loan process.

Suzy R.

November 6, 2018

Excellent service

Excellent service, fast professional service. Highly recommend

Charles S.

March 8, 2019

Easy to apply and pay

It is easy to apply and payments are easy to make, no need to go in to a store by a certain time or waste checks every payday.

Maria R.

November 11, 2018

fast

fast, easy and the payback is really reasonable.

Mike G.

February 21, 2019

Learn More About Payday Loans

Application: Apply online in minutes and get an instant decision.

Licenses and Rates: View our state license and short-term lending rates.

FAQs: Find answers to common questions about loans.

Login: Manage your existing online loan account by logging in.

More Information: More details about how to use online loans.

Requirements: View our minimum requirements for being approved for a loan.

ACE Elite Plans	ACE Elite Pay-As-You-Go Plan	ACE Elite FeeAdvantage Plan (Monthly)	ACE Elite with Direct Deposit FeeAdvantage Plan⁴ (Monthly)
Cost of Fee Plan	N/A	$9.95	$5.00
Signature Purchase Transactions	$1.00 each	included	included
PIN Purchase Transactions¹	$2.00 each	included	included
Average Cost Per Month	$15.00³	$9.95	$5.00
ATM Cash Withdrawals (Domestic)²	$2.50 each	$2.50 each	$2.50 each

Goodbye to Hidden Fees Fees Related to the Service: Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.	ACE Elite™ Pay-As-You-Go Plan	ACE Elite™ FeeAdvantage™ Plan (Monthly)	ACE Elite™ with Direct Deposit FeeAdvantage™ Plan (Monthly)
Card Purchase Fee	$0	$0	$0
Plan Fee	N/A	$9.95	$5.00* *To be eligible for this optional fee plan, have $500 deposited during one calendar month.
Signature Purchase Transaction Fee	$1.00 each	included	included
PIN Purchase Transaction Fee	$2.00 each	included	included
Balance Inquiry Fee: via toll-free number (automated service) via toll-free number (customer service agent) at ATM online via Anytime Alerts™^**	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free
Bill Payment Fee	In addition to the one or more no-cost bill payment methods made available through third-party service providers, a full range of options and applicable fees appear at the Site.
Stop Payment Fee for Preauthorized Payment	$10.00 each
Domestic ATM Cash Withdrawal	$2.50 per withdrawal, plus ATM owner fees, if any
International ATM Cash Withdrawal	$4.95 per withdrawal, plus ATM owner fees, if any
ATM Transaction Decline Fee	$1.00 each

Direct Deposit	Free
Add cash, checks or withdraw cash at a NetSpend Reload Network location	Convenience fee determined by location
Bank Transfer	Free; transfer fees from the originating bank may apply
Instant Bank Transfer	$5.95 each (deducted from the transferor's debit card account
Account-to-Account Transfer via text message or online	Free; standard text message rates may apply
Account-to-Account Transfer via toll-free number (automated service)	$1.00 each
Account-to-Account Transfer via toll-free number (Customer Service Agent)	$4.95 each

Check or Additional Statement Mailing Fee	$5.95 each
Additional Card Fee	$3.95 each (standard Card)
Additional Card Fee		$4.95 each (custom Card)
Lost, stolen or damaged Card Replacement Fee	$3.95 each (standard Card)
Lost, stolen or damaged Card Replacement Fee		$4.95 each (custom Card)
Account Maintenance Fee	$5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days)