ACE Cash Express Payday Loans

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
Loan SecurityUnsecured
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

  • 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.

Through the ACE Community Fund, the corporate giving program that ACE founded in 2004, ACE Cash Express has donated over $5 million to charitable organizations 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. Individual repayments are considerably smaller than a lump-sum payday repayment. Upon approval, you can expect funds to transfer into your nominated bank account overnight, and you have 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 based on your car’s appraised value. 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 money if you pay the loan off ahead of time.

What are the benefits of borrowing from ACE Cash Express?

ACE Cash Express payday loans offer a number of beneficial features, including:

  • Quick process. Applying for a loan takes no more than a few minutes, and you find out about your application’s status soon after. If they approve your loan application, you can visit an ACE Cash Express store to collect your money 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 penalty. 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

The costs to consider

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

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. Make sure you go through these carefully to avoid surprises later.

Remember that late payments often incur additional fees. Combined with a generally high interest rate and a negative impact on your credit score, make sure you have the ability to repay the loan by your next payday.

How do ACE Cash Express payday loans compare?

Rates last updated August 22nd, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
ACE Cash Express Payday Loans
Varies by state
Varies by state
Generally receive the money the next business day
Varies depending upon the state where you reside.

Compare up to 4 providers

Rates last updated August 22nd, 2017
Name Product Max. Loan Amount Term of Loan Turnaround Time Costs
LendUp Payday Loans
$250
7–30 days
Generally receive the money the next business day
Depends on your state, loan product, loan amount and the term of the loan.
Check into Cash Payday Loan
$1,000
Varies by state
1–2 business days
Varies depending on the amount and your state of residency.
CashNetUSA Loan
Varies by state
Varies by state
1 business day
Varies by state of residency.
ACE Cash Express Payday Loans
Varies by state
Varies by state
Generally receive the money the next business day
Varies depending upon the state where you reside.
Check City Payday Loan
Depends on state of residency
Varies by state
Next day
Depends on state of residency.

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 so you don’t have to worry about any hidden costs.

Is Ace Cash Express legit or a scam?

How to apply for a payday loan from ACE Cash Express

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

  • You are at least 18 years old
  • 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 additional information, including:

  • 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

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 bank account on the next business day.

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

The maximum loan amount varies from state to state, so this depends on where you live. Check state laws on the infographic below to see how much you can borrow.

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.

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.

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.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and our Privacy Policy.

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.

      Cheers,
      Harold

  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.

      Cheers,
      Anndy

  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.

      Cheers,
      Harold

feedback