ACE Cash Express Payday Loans

Information verified correct on January 19th, 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, direct deposits, 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
Total Cost of Borrowing $100Varies 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 are only available in California, Florida, Idaho, Kansas, Louisiana, Minnesota, Ohio, Texas

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 ACE Light Visa Prepaid Debit Card, you can show your support to The National Breast Cancer Foundation.

Types of financing from ACE Cash Express

ACE Cash Express gives you the ability to apply for different kinds of loans, and apart from 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 anything more.
  • 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 repayments towards 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 borrowing from ACE Cash Express?

ACE Cash Express Payday Loans come with a number of features that require your attention, details of which follow:

  • Quick process. Applying for this loan takes no more than a few minutes and you find out about your application’s status soon after. If ACE Cash Express approves your loan application you can visit an ACE Cash Express store to collect 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 and you don’t have to pay any penalties if you do this. 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 Ace Cash Express Payday loans available 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 these loans are available 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 which needs your acceptance before disbursement of funds, and 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.

How do ACE Cash Express Payday Loans compare?

Rates last updated January 19th, 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 Total Cost of Borrowing $100
ACE Cash Express Payday Loans
Money when you need it most.
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
Rates last updated January 19th, 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 Total Cost of Borrowing $100
LendUp Payday Loans
Money on your terms! Apply for a loan today.
$250 7 - 30 days 1 business day Varies depending on the loan terms and your state of residence Go to site More
Check into Cash Payday Loan
Whether you’re facing seasonal expenses like holiday bills and back to school costs or you need help with unexpected bills, or repairs, Check Into Cash can help.
$1,000 Varies upon state 1-2 business days Varies depending on the amount and your state of residency Go to site More
Check City Payday Loan
Get a Fast, Secure, and Confidential Payday Loan.
Depends on state of residency Varies upon state Next day Depends on state of residency. Go to site More
CashNetUSA Loan
CashNetUSA gives you the ability to apply for a Payday Loan, an Installment Loan, or a Line of Credit.
$2,250 Varies upon state 1 business day Varies depending on state. Go to site More
ACE Cash Express Payday Loans
Money when you need it most.
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
SWIFT Payday Loan
Making it easy to get cash in a pinch.
$1,000 Varies by lender Next business day APR varies by lender Go to site More

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 okay with ACE Cash Express contacting you after work hours

To complete the application, you have to part with a variety of information, which includes the following:

  • Personal information like your complete name, address, home phone number, and email address
  • Identity verification information like 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 one state to another, 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 your 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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