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 Name||ACE Cash Express Payday Loans|
|Min Loan Amount||Varies by state|
|Max. Loan Amount||Varies by state|
|Loan Term||Varies by state|
|Turnaround Time||Generally receive the money the next business day|
|Total Cost of Borrowing $100||Varies depending upon the state where you reside.|
|Requirements||You 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.|
- Apply Online in Minutes
- Get an Instant Decision
- Fast Cash Available
- 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.
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?
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.