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Requirements
- You must have steady income to qualify for a cash advance.
- You must be able to show a verifiable source of recurring income payments to ensure you will be able to repay your cash loan.
- You must have a checking or savings account that has been open for at least one (1) month before applying for a payday advance. For those customers who are not on direct deposit, ACE will give a one business day grace period (from payday) to deposit your check.
- You must be able to be contacted after work.
- You must be at least 18 years old to apply for a payday loan.
- You must have a gross income of at least $1,000 per month.
- You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
- You must be a resident of the state in which you applying for a payday loan, even if you apply for an online loan.
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FAQs
Why choose ACE Cash Express?
ACE Cash Express, Inc. is a leading retailer of financial services, including check cashing, short-term consumer loans, bill pay and prepaid debit card services, and the largest owner operator of check cashing stores in the United States. In business since 1968, ACE Cash Express focuses on serving consumers who seek an alternative to traditional banking relationships to gain convenient and immediate access to financial services.
Altogether, we served over 38 million customers.
How do Payday Loans, Cash Advances and Check Cash Advances work?
To get a Payday Loan (or Cash Advance) all you need to do is fill out a simple application, and sign a few forms. This easy online process only takes minutes. Once you're approved, you get the money in hand or have it deposited into your bank account within 24 hours. On your next payday, your account is debited for the amount you owe, unless you choose to renew your loan (if applicable in your state). For those customers who are not on direct deposit, ACE will give a one business day grace period (from payday) to deposit your check.
What do I need to apply for a payday loan online?
All you need is to be employed, make at least $1000 a month, be a US citizen at least 18 years of age and have an active checking account. Members of the military and those who have recently filed for bankruptcy are not eligible for an online payday loan.
Does it matter if I have bad credit or no credit?
It does not matter if you have bad credit or no credit at all. Our payday loans are designed to help people in need of emergency credit, so we understand that you may have had credit troubles in the past.
Do I need collateral to apply for a payday loan?
No collateral is necessary or accepted.
Is there any cost to apply for the loan?
No. You will not be charged to apply for the payday loan, whether or not you are approved. Plus, with our satisfaction guarantee, you won't be charged any fees if you change your mind about the loan within 48 hours.
How much can I borrow?
You can borrow up to $1,000, depending on your state.
When will I receive my loan?
If all information is received by 12:00 Noon Central Time and can be verified by 3:00 pm Central Time, you will generally receive your money the next business day. For security purposes, we must be able to contact you by telephone before your loan is funded.
How will I know if I'm approved?
Shortly after we have all the necessary information, we will send you an email advising whether or not you are approved.
Will I need a fax machine to apply for a payday loan?
No. ACE Cash Express requires no faxing as a part of the loan application.
When do I have to repay the loan?
Your payday loan will be due on your next approved payday (loan durations are state specific). You will be informed of the due date when your loan is approved. You may also have the option pay off the loan early or renew you're the loan until your next payday (if applicable in your state).
How do I repay my loan?
ACE will initiate a transfer of funds from your bank account on the day the loan is due.
If I pay my loan early, how does that affect my finance charges?
Paying early will not reduce your finance charge or result in any penalty.
Is my personal information safe?
Yes! ACE Cash Express values your privacy and internet safety. To read more in our privacy policy, click here.
These FAQs are generic and not specific to your particular state. We encourage you to review the FAQs that correspond to your state of residence.
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No Credit Check
Even with bad credit, payday loans are available from ACE Cash Express. And no collateral is required! All you need is a job and a bank account. And every loan comes with a 48-hour satisfaction guarantee.
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Easy Application
We've streamlined the payday loan application process to make it easy for you to get the cash advance you need — fast. No faxing required! And once you've applied, renewing your online payday loan is even easier.
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Quick Cash
Make sure you have your license and banking information handy to make applying even simpler. Once you're done, you'll get your approval in minutes. ACE makes getting a payday loan easy.
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The short-term payday cash advance loans available online or at ACE company-owned stores are regulated loan products, which differ from state to state. Depending on the state, you typically may borrow cash amounts between $100 - $1,000. Approval of the loan and its amount is based on the assessment of your ability to pay. These payday loans or cash advance loans are not intended to be a long-term financial solution, but for immediate cash needs. The annual percentage rate and terms of the loan vary by state.
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