Florida Payday Loans

Loans up to $500

Online loans at ACE are a simple, fast and dependable way to access cash as soon as you need it.

ACE no longer offers online payday loans in Florida, but we have other options for you! We offer payday loans at ACE locations up to $500. To apply, visit an ACE store. We also have installment loans up to $1,000, available online and at ACE locations. To apply for an installment loan, begin the application process below or visit an ACE store.

Learn More about installment loans.

Applying for a loan at ACE does not affect your FICO^® credit score.^†

Get started with an Installment Loan application at ACE today!

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Terms, Conditions and Privacy Policy License and Rates

How do I apply for a payday loan in Florida?

We have simplified the payday loan application process to make it fast and easy for you to apply for the cash advance you need.¹ In fact, you can complete the application in one of our ACE Cash Express locations in minutes and get a decision quickly. In Florida, we offer online installment loans and in-store we offer payday loans and installment loans.

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

If approved, when will I receive my funds?

When applying in one of our stores, if approved, you can walk out with cash in hand immediately.

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.

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.

† Applying will not affect your FICO® score. ACE Cash Express 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.

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)