Our products vary by state.

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Apply for Cash When You Need It

Start a loan application today1

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For California residents, click here to learn what personal information we collect and how it is used.

Apply for Cash When You Need It

Payday Loans

Fast cash before your next payday!1

Installment Loans

Repay over time, not all at once.1

Instant Funding at ACE Cash Express

Instant Funding at ACE Cash Express image

Applying for an online loan?

Where available, we are proud to offer a quick and convenient way to receive online loan proceeds instantly to a debit card.2

What Consumers Say

ACE Cash Express Makes It Easy

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    Choose your state to get started.

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    Choose the product or service that is right for you.

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    Start the process online or visit an ACE store near you.

Why ACE Cash Express?

Our mission is to provide a broad range of quality financial products and services, delivered with best-in-class customer service.

50+ years

in business, opening in 1968

Over 800 stores

nationwide in 22 states and District of Columbia

More than $18 Million

donated within communities since 2004


At ACE, we offer a variety of products and services to meet your financial needs. Depending on your state, you may be able to apply for a loan, cash a check, pay bills, or complete a number of other transactions. Our products and services vary by state and location and include:

  • Check cashing
  • MoneyGram money orders and money transfers
  • Bill pay
  • Tax services, including tax refund check cashing and cash withdrawals from cards
  • ATM services
  • Payday loans
  • Installment loans
  • Title loans
  • Debit cards


Anyone is free to apply! 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.  

See how to apply for a payday loan.

See how to apply for an installment loan.

Loans not offered in all states or locations. To see what’s available near you, use our Store Locator.

We’re happy to speak with you about your concerns. You can call ACE Customer Service at 877-ACE-CASH or email us at customerservice@acecashexpress.com.

Instant Funding is funds available in an instant, loaded directly to your debit card account. Just complete your online application, including signing your loan agreement, and if approved for a loan and for instant funding, your loan will be ready for funding after you provide your debit card information. Instant funding may take a few minutes or up to 4 hours to process.2

No more extra trips to deposit cash in the bank, no waiting the next business day for your online loan funds to deposit. With Instant Funding, you can get access to your funds right away.


ACE Raises More Than $127,000 for AdoptAClassroom.org image

ACE Raises More Than $127,000 for AdoptAClassroom.org

ACE Cash Express presents a check for $127,151 to support AdoptAClassroom.org.... read more