ACE Cash Express Payday Loans

Information verified correct on March 25th, 2017

Apply for a payday loan through ACE Cash Express and look forward to getting your money overnight

ACE Cash Express has more than four decades of experience, and it offers an array of financial services from over 1,000 locations in the US. ACE Cash Express offers payday loans, installment loans and titles loans, and its umbrella of services also includes prepaid debit cards, auto insurance, check cashing, bill payments, money orders, money transfers, tax services and business services.

Product NameACE Cash Express Payday Loans
Min Loan AmountVaries by state
Max. Loan AmountVaries by state
Loan TermVaries by state
Turnaround TimeGenerally receive the money the next business day
CostsVaries depending upon the state where you reside.
RequirementsYou are over 18 years of age, have a steady source of income, have a checking or savings account, operational for at least one month, you are not involved in bankruptcy and you’re okay with ACE Cash Express contacting you after work hours.

Pros

  • Apply online in minutes.
  • Get an instant decision.
  • Fast cash available.

Cons

  • Payday loans available in California, Florida, Idaho, Kansas, Louisiana, Minnesota, Ohio and Texas only.

Through the ACE Community Fund, the corporate giving program that ACE founded in 2004, it has donated over $5 million to charitable organizations across the nation aimed at helping children, supporting education and promoting financial literacy. With its Pink ACE Light Visa Prepaid Debit Card, you can show your support to the National Breast Cancer Foundation. A portion of each purchase made with this card is donated to the foundation.

Types of financing from ACE Cash Express

ACE Cash Express gives you the ability to apply for different kinds of loans, in addition to payday loans, your options are as follows:

  • Installment Loans. These loans can be ideal for people who require more time to repay their loans than offered by single repayment payday loans. For the same loan amount, individual repayments would be considerably smaller in comparison to a lump-sum payday repayment. Upon approval, you can expect funds to transfer into your nominated bank account overnight, and you get up to 72 hours to change your mind and return the loan amount without paying any additional costs.
  • Title Loans. You can use your car to get a title loan from ACE Cash Express, with your car’s appraised value affecting how much you can borrow. You can apply for this loan in-store or online, and it comes with a 72-hour guarantee that allows you to return the loan amount within 72 hours without any further obligations. You have to make payments toward this loan in installments, and you can save some money in the form of fees if you pay the loan off ahead of time.

What are the benefits of borrowing from ACE Cash Express?

ACE Cash Express payday loans come with a number of features that require your attention, including:

  • Quick process. Applying for this loan takes no more than a few minutes, and you find out about your application’s status soon thereafter. If ACE Cash Express approves your loan application, you can visit an ACE Cash Express store to collect the cash on the same day, or you can wait for it to transfer into your bank account by the next business day.
  • No collateral. These loans are unsecured, so you don’t have to worry about providing collateral of any kind.
  • 72-hour guarantee. Your ACE Cash Express payday loan comes with a 72-hour satisfaction guarantee that allows you to return the borrowed amount within 72 hours, without having to pay any extra money, if you change your mind about the loan.
  • Paying the loan early. You can pay this loan off ahead of time without having to pay any penalties. In certain states, you can even look forward to a complete or partial refund of applicable loan fees.
  • No faxing. ACE Cash Express relies on online verification of credentials, so you don’t have to fax any ID or financial documents as part of the application process.

Find out your credit score here

Are payday loans legal in your state?

Hover over your state of residence (or click on your state if you’re using a mobile device) to find out if payday loans are legal in your state.

The costs to consider

You don’t have to pay any fees to apply for the ACE Cash Express payday loan, and you get up to 72 hours to return the loan amount without paying any fees if you change your mind. ACE Cash Express presents you with a loan agreement that needs your acceptance before disbursement of funds — this document gives you a clear picture of all associated fees. Make sure you go through these carefully to avoid surprises later. While you will have to pay a loan fee, you could also have to pay additional fees if you don’t repay the loan in a timely manner. And cash advance loans are known for high interest rates, so be sure to pay close attention to this piece of information.

How do ACE Cash Express payday loans compare?

Rates last updated March 25th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know
Rates last updated March 25th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
$1,000 Varies by state 1–2 business days Varies depending on the amount and your state of residency. Go to site More
SWIFT Payday Loan
Access multiple lenders with a 5-minute application for a cash advance on your paycheck.
$1,000 Varies by lender Next business day APR varies by lender Go to site More
CashNetUSA Loan
Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.
$2,250 Varies by state 1 business day Varies by state of residency. Go to site More
OppLoans Personal Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Cash Central Payday Loan
Offers high-APR cash loans of up to 32 days deposited directly into your checking account.
$5,000 Varies by state 1–2 business days Depends on your credit history and the state you live in. Go to site More
ACE Cash Express Payday Loans
An array of services in 1,000 locations include short-term, installment and title loans with terms that vary by state.
Varies by state Varies by state Generally receive the money the next business day Varies depending upon the state where you reside. Go to site More
LendUp Payday Loans
Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.
$250 7–30 days 1 business day Varies depending on the loan terms and your state of residence. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Are ACE Cash Express loans safe?

ACE Cash Express is a member of the Financial Services Centers of America (FISCA) and the United States Hispanic Chamber of Commerce (USHCC), and it believes in fair lending practices as well as complete disclosure. It lists out all applicable fees and charges at the very onset so you don’t have to worry about any hidden costs.

How to apply for a payday loan from ACE Cash Express

Applying online takes around five to 10 minutes. Before you start your application, make sure you meet the eligibility criteria as listed below:

  • You are over 18 years of age
  • You have a steady source of income
  • You have a checking or savings account, operational for at least one month
  • You are not involved in bankruptcy
  • You’re OK with ACE Cash Express contacting you after work hours

To complete the application, you will need to provide a variety of information, which includes the following:

  • Personal information, such as your complete name, address, home phone number, and email address
  • Identity verification information such as your date of birth and Social Security number
  • Details about your income

Frequently asked questions

How quickly can I get access to funds through an ACE Cash Express payday loan?

Once ACE Cash Express approves your application, you can receive funds on the same day by visiting an ACE Cash Express store, or you can wait for the money to transfer into your nominated bank account on the next business day.

What do I need to provide if I want funds to transfer into my bank account?

You have to provide your bank account number along with your bank’s routing number.

What is the maximum I can borrow?

The maximum loan amount varies from state to state, so this depends on where you live. For example, while you can borrow no more than $300 if you live in Louisiana, but you can borrow up to $1,500 in Texas.

How do I find out about approval?

You find out if you qualify for this payday loan almost immediately after you submit your online application. ACE Cash Express then verifies the information you provide, which normally takes less than one business day. ACE Cash Express might not carry out the verification process on holidays and weekends.

How and when do I repay my loan?

You will, in all likelihood, have to repay the loan on your next payday, and ACE Cash Express debits this money from the nominated bank account on the due date.

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