Cash Advance

Understand the basics of Short-Term Loans.

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How Does a Cash Advance Work

Cash advances are simple. Fill out an easy application by providing your social security number, proof of income, and bank account information, and get an instant decision. If approved, you may have cash within next business day.1,2 After you receive the cash, use it to pay off emergency medical bills, surprise car repairs, or any of your cash flow needs. Remember, a cash advance is designed to be a short-term solution and should be budgeted for repayment by the next paycheck or sooner.

Benefits of a Cash Advance

Although a cash advance or "short-term" loan is not the most practical option for every consumer, it does offer great benefits for many who may have emergency financial needs or infrequent cash flow issues. Depending on the cash flow issue you’re facing, you may consider our payday loans, installment loans, and title loans.

Other benefits include:

  • Quick and easy application and funding: After approval, cash is quickly deposited into your bank account.1,2
  • Electronic transfer: The safest and most secure way to receive your cash.
  • No prepayment penalties: Cash advance loans generally do not cost you more money if paid off early, while some banking institutions may charge for prepayment.
  • No hidden fees: We disclose our rates and fees up front, and you will never pay an application fee or any other hidden charges.

Learn More About Cash Advances

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Application
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Licenses & Rates
Licenses and Rates
View our state license and short term lending rates.
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FAQs
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More details about how to use online loans.
Requirements
Requirements
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  1. All cash advances subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a cash advance or for the maximum cash advance amount. Terms and conditions apply. Cash advances should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. ACE Cash Express, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Certain cash advances in California are made or arranged pursuant to Department of Business Oversight California Financing Law. Cash advances in Minnesota made by ACE Minnesota Corp. Cash advances in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. Cash advances in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115.
  2. Cash advance funding requires verification of application information. Depending on ability to verify this information, cash advance funding may be extended up to two days. All cash advances subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.

Our credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.