Cash Advance

Cash in Hand or Deposited Overnight1,2

  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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Online Cash Advance

You can apply for a cash advance through our simple online application process. If approved, you could have cash in as little as a few hours since cash advance information may be electronically validated.1,2 By applying online from the convenience of your mobile device or computer, you could cover unexpected home and car repairs or other emergencies. ACE does not require tax forms or lengthy paperwork.

Our online cash advance application can be completed on your desktop computer, laptop, or smartphone. Be ready with your bank account information so that we can deposit your cash directly if you are approved.1,2 You will need your social security number and proof of income to complete your application. Start our online loan application and have a decision in minutes!

  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.