A flexible loan is an installment loan that allows you to pay a loan over a longer period of time than a traditional payday loan.1 Flexible loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount (last payment may vary slightly). At ACE, a flexible loan can be repaid early without penalty, which may save you interest and fees (where applicable).
Here’s why you should consider an Ohio flexible loan!
5-minute application and quick decision.
Flexible Loans are designed with ease in mind. Complete our 5-minute application and get a quick decision. If approved, pick up cash in-store or have your funds deposited overnight.2
Pay back in installments1 or in one payment like a payday loan.
Flexible loans are split up into manageable installment payments that you make over time. If you pay off your flexible loan on your first installment due date, you could pay less than a traditional payday loan. For example, a $300 payday loan in Ohio paid off in 14 days would have cost $345.90. For the same loan amount and loan term, the flexible loan will cost $317.09.
| $300 Payday Loan (Discontinued) |
$300 Flexible Loan |
|
|---|---|---|
| 14-day Total Payoff | $345.90 (399% APR*) |
$317.09 (149% APR*) |
*Annual Percentage Rate
Have a debit card? Now you can pay online from any device
Keep things simple with autopay.
When you set up autopay in your application, you won’t have to worry about manually scheduling installment payments or missing a due date.
We have a simple online loan application making it fast and easy for you to apply. In fact, you can complete the application online in minutes and get a decision quickly. Call 866-223-2274 to speak directly to a loan representative.
Make sure you have your social security number, source of income, and banking information handy while completing the application.
Flexible loans are available online in the states below. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.
Loans from $2,500 - $5,000: California
Loans from $100 - $2,000: Delaware, Missouri, New Mexico, Texas
Loans from $100 - $1,000: Ohio
ACE Cash Express gives you the option to get cash fast! You may be eligible for one or both of the following options:2
1. Installment loans are intended for customers who need more time to pay off their loan than provided by a single-payment payday loan. Individual payment amounts for an installment loan are smaller when compared to the single-payment payday loan for the same loan amount. The total sum of payments for an installment loan will be higher than a single-payment payday loan if you pay off the installment loan according to the payment schedule set forth in the associated loan agreement.
2. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. 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. Loans in California are made or arranged pursuant to Department of Business Oversight California Financing Law. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. Populus Financial Group, Inc., 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062, ST.760164.000
3. 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 only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup requires valid, non-temporary government-issued identification.
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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.
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