Payday Loans

Money when you need it most.

Fast . Secure . Easy

Handle Unexpected Expenses with a Payday Loan at ACE

If you need quick cash and your situation prevents you from dealing with long-term lenders, think about obtaining a payday loan. Payday loans can help you cover overdue utility bills, unexpected car repairs, and emergency travel expenses.

Who Uses Payday Loans?

Payday loan customers come from every walk of life and are experiencing a financial bind or temporary cash flow problems. They use payday loans to repair their cars, replace their water heaters, and pay electricity bills. Payday loans are simply a convenient way to help you cover expenses until payday arrives.

How Can Payday Loans Help?

Payday loans may help people avoid excessive overdraft or late payment fees when they are short on cash. If used responsibly, a payday loan can actually cost less than multiple overdraft fees charged by your bank. Make sure you only borrow what you need and can repay on your next payday. Payday loans are designed to cover short-term expenses when you do not have the cash on hand to cover those expenses.

Apply Now for a Payday Loan

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Terms, Conditions and Privacy Policy License and Rates

Fast Cash^1,2

Have money deposited into your bank account overnight.^1,2

Convenient

Apply online in minutes and get an instant decision.

Risk-Free³

Every loan at ACE comes with a 72-hour satisfaction guarantee.

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.

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. Populus Financial Group, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender.
For approved in-store loans, you will receive funds immediately. For online loans, approval and funding may require 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 of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup of online loans not available in all states. In-store cash pickup of online loans requires valid, non-temporary government-issued identification. Online loans not available in all states.
Every loan comes 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.

Our credit decision on your application may be based in whole or in part on information obtained from a consumer reporting agency, including, but not limited to, TransUnion, LexisNexis, and/or FactorTrust, Inc. However, inquiries by us will not affect your FICO® score.

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)