Cash Advance

Short-Term Loan Information.

  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

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What is a Cash Advance?

Cash advances, also referred to as payday loans or personal loans, are intended to cover financial emergencies until your next payday or sooner. It is very important to know what to expect when seeking any loan product. Here are some things to keep in mind:

  1. When you need a small amount of cash, a cash advance loan is a practical option. It is intended to be temporary financial help until your next paycheck, benefits check, or retirement check. If approved, your cash is available within one to two business days.1,2 It is a "short-term" loan because the balance is due the following payday. "Long-term" loans, typically provided by a banking institution, are a better choice when you need a larger amount of money, and you know you cannot pay it back for a while. Be aware, however, that most long-term loans will require that you undergo a rigorous application process, and it may take several days to weeks to obtain your cash.
  2. With short-term cash advance loans, you do not have to provide ACE Cash Express with a reason for borrowing. Long-term lenders often demand borrowers explain their loan need before approving the transaction, so you may need to reveal personal information you would prefer to keep private.
  3. ACE Cash Express does not require a credit check from the three major bureaus to qualify you for a cash advance. This simplifies the application process and provides another alternative to credit cards. Long-term lenders usually require a traditional credit check. While a long-term loan may still be the best option for your situation, you may not be able to secure one if your traditional credit score is subpar.
If you decide that a cash advance at ACE fits your lending needs, rest assured that the application process is secure. We do not require collateral for a payday or installment loan and the money is conveniently deposited into your account within one to two business days, if you are approved.1,2