Cash Advance

Understand the Basics of Short-Term Loans.

  1. 1
    Apply Online in Minutes
    Our online application is fast, secure, and easy.

  2. 2
    Get an Instant Decision
    You will receive a decision immediately following completion of your application.1

  3. 3
    Fast Cash Available
    If approved, pick up your cash at your local ACE store or have it electronically deposited into your account.2
Fast Cash

Fast Cash1,2

Manage your account on your mobile device

Convenient

72 Hour Risk-Free Satisfaction Guarantee

Risk-Free3

Apply Now for a Cash Advance

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License and Rates

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.

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.

Related Information
Application
Application
Apply online in minutes and get an instant decision.
Licenses & Rates
Licenses and Rates
View our state license and short term lending rates.
Frequently Asked Questions
FAQs
Find answers to common questions about loans.
Log In
Login
Manage your existing online loan account by logging in.
More Information
More Information
More details about how to use online loans.
Requirements
Requirements
View our minimum requirements for being approved for a loan.

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, FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.

  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. 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.
  3. Every cash advance comes with a 72-hour satisfaction guarantee. So if you change your mind about your cash advance, just return the principal within 72 hours and pay nothing more.

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, FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.

What happens if I fail to make a timely payment on my cash advance or credit services transaction?

Failure to make a timely payment on your cash advance or credit services transaction can have several consequences, including the following:

  • Financial Implications – Currently, no past due interest is assessed on any cash advances you may obtain from us or that we may arrange for you. However, you may be assessed a late fee if you fail to make your payment by a specified period following its due date, and you may be assessed with a returned item charge if any check or electronic payment we submit on your behalf is returned unpaid (late fee and returned item fees vary by state — see your transaction agreements for additional details).
  • Collection Activity – We may attempt to collect any delinquent amount through our standard collection practices, which include contacting you by phone, mail, or email. We may also exercise any of our rights under our cash advance or credit services agreements with you. If we are unable to collect any delinquent amount you may have with us through such actions, we may also sell our debt to a third party debt buyer or engage a collection agency, who may also engage in collection activity with you.
  • Impact on Your Credit Score – We do not currently report cash advance activity to any of the three major credit bureaus (Equifax, Experian or TransUnion). However, we do use alternative credit reporting agencies such as FactorTrust. Failure to make timely payment on your cash advance may reduce your score with such agencies, and prevent you from receiving credit or other services from a provider that uses such agencies.
  • Refinancing a Cash Advance – We do not automatically refinance any of our cash advances or credit services transactions. Where refinances are available (varies by state), you may refinance your cash advance or credit services transaction by logging in as a returning customer prior to your due date and applying for a refinance. In connection with any refinance, you will be required to agree to new transaction agreements via electronic signature for the refinanced transaction. Our standard rates for cash advances or credit services transactions will be assessed on that refinance (varies by state – see posted fee schedules). You may also call us to discuss payment plan options at (866) 355-6815.