Our products vary by state.
Why Apply Today?
Instant Decision
Fast Cash, If Approved
Satisfaction Guarantee*
*So if you change your mind, just return the principal within 72 hours and pay nothing more.
Terms, Conditions and Privacy Policy License and Rates
For California residents, click here to learn what personal information we collect and how it is used.
ACE Cash Express is a trusted brand with 50+ years of experience providing quality financial products and services, delivered with best-in-class customer service.
With more than 700 stores nationwide, ACE offers multiple financial solutions under one roof, including options for consumers without traditional bank accounts.
ACE is licensed in 22 states and the District of Columbia.
Come to ACE for the help you need when it matters most!
If you’re approved for an online loan at ACE, instant funding to a debit card is the quickest and most convenient way to receive your loan proceeds. If you are eligible for instant funding to your debit card and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification. Funding times vary based on your bank.2
Not all banks allow instant funding, and not all applicants are approved for a loan1 or for instant funding.2
If you are eligible for instant funding but your bank does not allow instant funding, we will notify you by email. Your money will then be direct deposited into your bank account by the next business day.3
If you are not eligible for instant funding, we will not ask for your debit card information.
These terms are sometimes used interchangeably in our line of business. Consumers typically apply for cash advance loans to cover emergencies or other unexpected expenses. These short-term loans are generally designed for the borrower to repay quickly. Often, repayment is due on the borrower’s next payday,1 which is why a cash advance loan is often called a payday loan.
ACE offers a variety of products and services to meet your financial needs.
Our financial services vary by state and location and may include:
Payday loans (also known as cash advances) are short-term loans designed to help you cover utility bills, unexpected car repairs, or other emergency expenses before your next payday.1 The balance of a payday loan is generally due in full by your next pay date.
Anyone can apply for a cash advance at ACE, even if you have a less-than-perfect credit history. We use standard underwriting criteria to determine approval.1 When you complete an application online or in one of our stores, you’ll find out in just a few minutes if you’ve been approved. Check out the Payday Loans page for more information. To see loan options available where you live, use our Store Locator.
ACE may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO Score.†
There are no application fees for short-term loans, installment loans, or title loans at ACE Cash Express.
An installment loan is a short-term personal loan that allows you more time to repay compared to a traditional payday loan.5 At ACE, installment loans are repaid over time in scheduled payments (installments) that are substantially equal in amount. You can choose to repay an installment loan early without penalty, which may save you money on interest and fees (where applicable), and we encourage you to do so. In contrast, a payday loan is typically due in one single payment on your next pay date.
Loans at ACE come with a 72-hour satisfaction guarantee. So if you change your mind, just return the principal within 72 hours and pay nothing more. In Florida, Louisiana, Ohio, Texas, Virginia, and Arizona (for title registration loans only), you have until close of business on the third business day after receiving your funds to return the principal and pay nothing more. For example, if you take out a loan on Monday, you have until close of business on Thursday to cancel your loan.
Come to us for great check cashing service! Just bring the check and a government-issued ID. We cash most types of checks - even hard-to-cash checks that other companies may not cash - and checks in large amounts.4 Just some of the check types we cash are:
Each of our locations has a menu board that lists competitive check cashing fees for different check types. Because these rates vary by state and may change, it’s best to visit a store near you to ask about fees.
The ACE Cash Express Customer Service team is here to answer your questions and provide support for our products and services. You can call us at 877-ACE-CASH or email us at customerservice@acecashexpress.com. Please visit our Customer Service page for links to product FAQs and the Loan Payment Center.
by Cynthia R. It’s official: federal government payments have largely gone digital. The Executive Order President Trump signed declaring the federal govern...
by Alexandria D. When unexpected expenses come up – like a sudden car repair that threatens your ability to get to work or a plumbing issue at home – havin...
by Cynthia R. A penny for your thoughts? Not anymore. It’s a nickel now. After a 230-year run, the U.S. minted its very last penny on November 12, 2025, of...
