Cash advance

Online Cash Advance

Through our simple online application process, consumers can obtain a $100, $500 or $1000 cash advance. ACE does not require that you fax past bank statements, tax forms or lengthy paperwork-and you'll have your cash in as little as one business day since loan information is electronically validated. By applying online 24/7 from the privacy of your home office, you can cover unexpected home and car repairs or medical emergencies. 

Myths about Online Cash Advances

Some people are misinformed about cash advances or “short term” loans.  Rather than having people believe harmful myths, we’ve provided some very important facts to set the record straight:

  • Myth – Only destitute or poor people apply for Cash Advances. 

       Fact - Most cash advance borrowers are middle-income families trying to manage expenses.

  • Myth – Cash Advances will lead to bankruptcy. 

       Fact – A Clemson University study concluded that cash advance lending does not lead to increased rates of bankruptcy.

  • Myth – Cash Advances will ruin your credit.

       Fact – Since ACE doesn’t require a traditional credit check during the loan process, you don’t have to worry about negative credit reporting.  You should. However, be prepared to pay your loan back on time to avoid exorbitant interest rates and potential late fees.

If you have any additional questions or concerns in regards to cash advances, call ACE Cash Express.  Our knowledgeable representatives will determine whether you qualify for a loan and answer questions about rates, deposits and application procedures.

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 loan or for the maximum loan 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.‚Äč 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.


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 loans 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 loan 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 loan 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 loan 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 Loan – We do not automatically refinance any of our loans or credit services transactions. Where refinances are available (varies by state), you may refinance your loan or credit services transaction by logging in to your account prior to your due date and applying for a refinance. In connection with any refinance, you will be required to e-sign new transaction agreements for the refinanced transaction and our standard rates for loans 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.