What Is a Cash Advance?
The term “cash advance” at ACE refers to a short-term loan, also known as a payday loan or payday advance, that, if approved, you may borrow to cover unexpected bills or other emergency expenses before your next payday. When you need money fast — depending on the state where you live — cash advances may be available online or at an ACE location.1
How Do I Apply?
Get started today with our streamlined application process by using the form below. Whether you have a good credit score or a bad credit score, don't let less-than-perfect credit keep you from applying and seeing how much you may be approved to borrow. ACE is a top short-term lender, and you will receive a decision quickly.
Get Started
Start your payday loan application
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.
Benefits of an Online Cash Advance
There are four key benefits when applying for a cash advance at ACE:
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Simplified process. Our online application is hassle-free and can be completed in minutes.
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Kick back and apply from home. Save the time and expense of going to a local lender.
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Convenience. If you are approved at an ACE store, you will receive cash immediately.1 If approved online, you can have cash delivered instantly to your debit card if eligible2 or direct deposited to your bank account by the next business day, or — depending on your state and if you are eligible — pick up your cash at a store near you!1
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Risk free. 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. ACE does not charge a fee to apply.
What Do I Need to Apply for a Cash Advance?
Anyone may apply for a cash advance at ACE. The process is quick and simple, and all you need are a few pieces of information to get started. Refer to the guidelines below for applying online or at an ACE store.
Personal Information
- Name
- Address
- Valid and active email
- Phone number
- Valid Social Security Number or Individual Taxpayer Identification Number
Income Information
- Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.
- Proof of an active bank account that has been open for at least one month. California consumers must have proof of an active, personal checking account that has been open for at least one month.
Personal Information
- Name
- Address
- Valid and active email, where applicable
- Phone number
- Valid, government-issued ID
Income Information
- Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.
- Proof of a bank account that has been open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof of bank account. Contact your local store for details. Acceptable documents may vary by state. California consumers must have proof of an active, personal checking account that has been open for at least one month.
FAQs
Lenders offer cash advance loans to consumers for borrowing money to cover emergencies or other unexpected expenses. These short-term loans are designed for the borrower to repay quickly. Typically, repayment is due on the borrower’s next payday, which is why a cash advance loan is often called a payday loan.
ACE offers cash advances online and at its stores in certain states. Online cash advances are available in California, Idaho, Kansas, Louisiana, and Texas, and you can visit a store to apply for a cash advance in California, Florida, Indiana, Kansas, Louisiana, Missouri, Oregon, South Carolina, and Tennessee.
If approved online, you can have cash delivered instantly to your debit card if eligible2 or direct deposited to your bank account by the next business day, or — depending on your state and if you are eligible — pick up your cash at a store near you!1
If approved for a cash advance in-store, you will be able to receive the loan proceeds immediately.
