ACE Cash Express Payday Loans

Apply for a payday loan through ACE Cash Express and look forward to funding quickly

ACE Cash Express has more than four decades of experience and 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. They also offer an umbrella of services, including prepaid debit cards, auto insurance, check cashing, bill payments, money orders, money transfers, tax services and business services.

Min Loan AmountVaries by state
Max. Loan AmountVaries by state
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround TimeGenerally receive the money the next business day
CostsVaries depending upon the state where you reside.
RequirementsMust be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.


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


  • Online Payday loans available in California, Florida, Idaho, Kansas, Louisiana, Minnesota, Ohio, and Texas only.
  • Must have a steady source of recurring income payments.
  • You must reside in the state you choose for your loan application.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case.
  • You must not be a regular or reserve member of the military.

What types of financing are available through ACE Cash Express?

ACE Cash Express gives you the ability to apply for different kinds of loans depending on your needs. In an attempt to help their customers, ACE Cash Express gives a 72-hour refund period. If you change your mind, you can return your loan with no penalty.

  • Payday Loans. Payday loans are a type of short-term loan where you repay the interest and principle in one lump sum, usually within two to four weeks. The amount you can borrow is limited by your financial situation and your state of residence, but you can expect funding less than $500. This type of loan is good for emergencies and unexpected bills, not for any long-term structural problems.
  • Installment Loans. These loans can be ideal for people who need more time to repay their loans than offered by payday loans. The repayment schedule is usually stretched between three to six months and are much smaller than the lump sum due with a payday loan.
  • Title Loans. You can use your car to get a title loan from ACE Cash Express based on your car’s appraised value. You make payments toward this loan in installments, and because it’s secured by the title of your car, the interest rates are generally lower than with payday or installment loans.

What are the benefits of borrowing from ACE Cash Express?

ACE Cash Express payday loans offer a number of beneficial features. When comparing loans, keep the following in mind.

  • Quick process. Applying for a loan takes no more than a few minutes, and you find out about your application status soon after. If they approve your loan application, you can visit an ACE Cash Express store to collect your loan on the same day or wait for it to transfer into your bank account by the next business day.
  • No collateral. Payday and installment loans are unsecured, so you don’t have to worry about providing collateral. If you choose to apply for an auto title loan, you’ll be borrowing against the title of your vehicle.
  • 72-hour guarantee. Your ACE Cash Express payday loan comes with a 72-hour satisfaction guarantee. You can return the loan amount within 72 hours if you change your mind at no extra cost.
  • Paying the loan early. You can pay your loan off ahead of time without penalty. In certain states, you may even be eligible for 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.

The costs to consider

Depending on your state of residence, your current financial situation and the type of loan you apply for, you’ll be charged different fees and interest rates. Like all lenders, ACE Cash Express presents you with a loan agreement that requires your acceptance before disbursement of funds. This document gives you a clear picture of all associated costs. If you don’t like the terms, you’re under no obligation to sign.

You don’t have to pay to apply for an ACE Cash Express payday loan, and you have up to 72 hours to return the loan amount without penalty.

The loans offered by ACE Cash Express have higher interest rates than traditional loans from a bank or credit union. If you don’t think you’ll be able to make timely payments, avoid taking out a loan. Late or missed payments often incur additional fees and could have a negative impact on your credit score.

How do ACE Cash Express payday loans compare?

Rates last updated December 11th, 2017
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Maximum Loan Amount Term of Loan Turnaround Time Requirements
LendUp Payday Loans
LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.
7–30 days
generally receive the money the next business day
Be 18+ years of age and have a checking account that can accept electronic transfers.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
Varies by state
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
ACE Cash Express Payday Loans
Quick short term, installment and title loans come with no prepayment penalty and a 72-hour satisfaction guarantee.
Varies by state
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

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).

They believe in fair lending practices and complete disclosure. All applicable fees and charges are listed in the beginning on your loan contract so you don’t have to worry about any hidden costs.

In addition to their lending practices, they run the ACE Community Fund, a corporate giving program founded in 2004. ACE Cash Express has donated over $5 million to charitable organizations aimed at helping children, supporting education and promoting financial literacy.

If you take out a payday loan 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.

Read more about ACE Cash Express and learn about their policies here

How to apply for a payday loan from ACE Cash Express

Applying online takes around 5 to 10 minutes. Before you start your application, make sure you meet the eligibility criteria listed below:

  • Be at least 18 years old
  • Have a steady source of income
  • Have an operational checking or savings account
  • Uninvolved in bankruptcy

To complete the application, you will need to provide additional information, including:

  • Your complete name, address, home phone number and email
  • Your date of birth, government-issued ID and Social Security number
  • Details about your income

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.

Frequently asked questions

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6 Responses

  1. Default Gravatar
    TraceyJune 13, 2017

    If I paid my loan on time and everything is the same can I do another loan?

    • Staff
      HaroldJune 15, 2017Staff

      Hi Tracey,

      Thank you for your inquiry.

      Typically, you can only have one loan out at a time, so you would need to pay it and close it before taking out another. Please remember “requirements” may vary by your state of residence so be sure to conform with Ace when you apply.

      I hope this information has helped.


  2. Default Gravatar
    MaudieJune 1, 2017

    Do assist clients who receives social security? And receive a check once a month.

    • Staff
      AnndyJune 18, 2017Staff

      Hi Maudie,

      Thanks for your question.

      ACE Cash Express handles clients who are receiving benefits on a case-to-case basis.

      Alternatively, you can check this page to compare lenders that may consider you for a loan.


  3. Default Gravatar
    SuzzaneFebruary 28, 2017

    Can you get a loan on an efile tax return?

    • Staff
      HaroldJuly 19, 2017Staff

      Hi Suzzane,

      Thank you for your inquiry.

      While most lenders do not consider efile tax return as a source of income. You may want to review the list of lenders here as well as the requirements they usually require. This will help you to compare the offers and choose the lender that has the best match based on your personal criteria.

      I hope this information has helped.