Do you have unexpected bills? A sudden need for cash? Online cash advances, also known as payday loans or payday advances, are a popular way to get money quickly, so you can go about your business without worrying about a missed payment or an unexpected expense. Learn how easy and fast an online cash advance can be.  


What does a cash advance mean? 


The term “cash advance” refers to a short-term loan of a smaller amount that is used to cover immediate unexpected needs or expenses until your next paycheck is available. Sometimes, you may get hit with an unanticipated expense or be a little short of cash to avoid late payment fees. This is where a cash advance can help.  


A cash advance through ACE Cash Express is different from a cash advance on a credit card. A cash advance from ACE is a fixed-term loan with a short repayment period (generally your next payday). A cash advance on a credit card, on the other hand, is an amount of cash borrowed against the credit limit on your credit card. Many times, there is a fee associated with the advance. Additionally, cash advances on credit cards may charge you a higher interest rate than the rate for purchases on the credit card, so if you don’t pay off the advance by the next due date,  you will be charged interest on the cash advance that is higher than the interest for your typical credit card purchases.  Each credit card has different rules on cash advances, but there are other potential features to the cash advance on a credit card that make it significantly different than a cash advance from ACE Cash Express. 


Can you get a cash advance online? 


Absolutely! You can apply for an online cash advance and get an instant decision. ACE's paperless application process is convenient and simple1. Our simplified application process allows you to fill out and sign your loan documents on your computer without the need to fax or send in unnecessary documentation. 


We offer a streamlined approval process and quick funding.2,3 Once you receive the cash, you can use it to pay off emergency car repairs, unexpected expenses, surprise medical bills, or any other unexpected needs. 


You get 5 key benefits when you apply for an online cash advance from ACE: 

  1. Simplified process. No need to wade through various rates, terms, and qualification requirements.1
  2. No need to visit a loan office. You don’t have to take the time and expense of going to a local lender for a loan approval.  
  3. Convenience. Once approved, funds can be deposited into your bank account via electronic transfer.1,2   
  4. No hidden fees or prepayment penalties. We disclose our rates and fees up front. Applicants never pay an application fee or any other hidden charges. Also, cash advances generally do not cost you more money if paid off early. 
  5. Risk free. You can change your mind. Every loan at ACE comes with a 72-hour satisfaction guarantee.4

Typically, you can get next-business-day funding!2,5


How do I borrow money using a cash advance? 


Borrowing money via a cash advance is a simple process. We have a simplified online loan application that makes it fast and easy for you to apply for the loan you need. It takes a few minutes to complete the application online, and you get an instant decision.1 Alternatively, you can call 866-223-2274 to apply through a customer service representative. 


Remember to have the following items ready when you apply: Social Security Number or Individual Taxpayer Identification Number, information for your valid bank account, evidence of a steady source of income, and a phone number. If approved, you can receive your money in one of two ways: 

It’s that simple! With ACE, there are no lengthy applications or long approval times. If you are approved, you’ll have your funds when you need them. 

NOTE: Cash advances are available online in the following states: California, Florida, Idaho, Kansas, Louisiana, Minnesota, Texas.


If you need more money than you can get with a cash advance to pay off larger bills and unexpected expenses, check out our personal installment loans for quick cash. We have different types of online loans.