Get Loans Online Quickly with a Click for Bad Credit

An Online Loan from ACFA gives you the money you need with the convenience you expect. Whether at home or on the go, you can apply for loans online 24/7, right from your laptop, tablet, or mobile device. Plus, you can get the money you need fast with an instant approval decision.

How Do Online Loans Work?

To apply for an online cash advance, online payday loan, online installment loan, or online line of credit while on the go, follow these simple steps:

  1. Start your Online Loan application now or apply in-store.
  2. Get an approval decision in minutes for your Online Loan application.
  3. Receive money the same day.

Online Loan questions

How do Online Loans by ACFA work?

Online Loans are available in the form of a Payday Loan (also known as a cash advance), an Installment Loan, and a Line of Credit. Online Payday Loans are short-term loans due on your pay date and based on your income.

If you need more money and would like the flexibility of paying it off over time, consider an online Installment Loan. We also offer an online Line of Credit, which allows you to apply only once, and the line remains open. You can then withdraw money from the line as long as funds are available.

Online Loans allow you to apply and repay your loan online, at your convenience, so there’s no need to visit a location. Just submit an online application, and if approved, the funds from the loan will be deposited directly into your bank account s soon as the same day*. Your reloan repayments are electronically deducted from your bank account on your due date(s).

How much can I borrow for an Online Loan?

The amount of money you’ll be able to receive from an Online Loan depends on income qualification criteria and your credit history, along with state laws and regulations. 

What are the steps involved in applying for an ACFA Online Loan?

To find out if an Online Loan is available in your state, begin by entering your state above. Once you are ready to apply for the Online Loan of your choice, click “Apply Online” at the top of the page. Keep in mind that the application documentation will vary by state and loan type. Below are the easy steps you’ll need to complete to apply.

  • Step 1: Choose your loan and select “Apply Online”
  • Step 2: Provide your personal contact information. You’ll need your Social Security number.
  • Step 3: Provide your employment information
  • Step 4: Provide banking details. Both checkings account unnumbered ABA routing numbers needed. Prepaid cards are not accepted.
  • Step 5: Sign and submit

Your application may be approved quickly in a matter of minutes, and you can receive your Online Loan the same day*.

What kind of Online Loans does ACFA offer?

ACFA offers Payday Loans (also known as a Cash Advance), Installment Loans, and Line of Credit online. Keep in mind that your financial situation, state availability, and personal needs will ultimately determine which available Online Loan options are best for you.

How long will it take to get my cash after applying for Online Loan?

In states where Online Loans are available, click “Apply Now” to complete the application. If your application is approved before 10:30 AM ET (M-F), the loan is typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are usually invested in the morning of the next banking day.

Can I get an Online Loan today?

Online approvals before 10:30 AM ET (M-F) are typically funded to your bank account by 5 PM ET same-day. Approvals after 10:30 AM ET are usually invested in the morning of the next banking day.

Are Online Loans Safe?

With ACFA, you can be confident that all the information you submitted for your Online Loan arising through a secure server is kept in a secure database. To verify our website’s security, look for the security icon in the website footer that tells you that your information is safe and encrypted. The padlock in the URL address bar also signifies that your info on this website is encrypted. 

Can I get an Online Loan with no credit check?

As part of the online application process, ACFA will receive information from third-party data providers, including information about your credit history from various credit reporting agencies.

Online Loans rates & terms

ACFA offers a variety of Online Loan types f, from payday loans to cash advances to installment loans to lines of credit. Rates and terms for each type of Online Loan are based on state regulations. Finance charges for Online Loans vary by state and by the loan term length.

What do you need to apply for an Online Loan?

To apply, you’ll need the following items:

  • Government-issued ID
  • Source of income
  • Checking account
  • Social Security Number


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