Payday loans at ACE are a simple, fast and dependable way to access cash as soon as you need it. Apply for loan amounts up to $255 and get a quick decision! If approved, you could pick up the money in-store or have it deposited into your bank account the next business day.1,2 Learn more about how payday loans work or apply now!
Looking for a larger loan amount? Apply for a loan amount of $2510 with LoanMart – an easy and reliable way to get cash. Click on the button below to go to LoanMart's website, where you can start your application.3
Note: In California, we broker auto title loans and installment loans for a third party lender, Wheels Financial Group, LLC dba LoanMart.
All loans 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. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. Populus Financial Group, Inc. is licensed by the Department of Business Oversight pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Certain loans in California are made or arranged pursuant to Department of Business Oversight California Financing Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. Populus Financial Group, Inc. is licensed by the Virginia State Corporation Commission, PL-115. Populus Financial Group, Inc., 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062, ST.760164.000
Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans 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 only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup requires valid, non-temporary government-issued identification.
Title loans and installment loans made by, and subject to the approval of 1800LoanMart. Approval depends on meeting LoanMart's legal, regulatory and underwriting requirements. Applicants must satisfy LoanMart's credit criteria, which may include providing acceptable property as collateral and demonstrating the ability to repay the loan. All credit decisions are made by LoanMart. Minimum and maximum loan amounts vary by state. Minimum title loan amount in California is $2,510. Installment loans of $2,510 available in California. All product and service options are subject to change without notice. Title loans and installment loans made or arranged pursuant to Department of Business Oversight California Financing Law. Customers with credit difficulties should seek credit counseling.
License and Rates
ACE Elite Plans
ACE Elite Pay-As-You-Go Plan
ACE Elite FeeAdvantage Plan (Monthly)
ACE Elite with Direct Deposit FeeAdvantage Plan4 (Monthly)
Cost of Fee Plan
Signature Purchase Transactions
PIN Purchase Transactions1
Average Cost Per Month
ATM Cash Withdrawals (Domestic)2
Fees may apply to reload your ACE Elite Prepaid Card
1 To get cash back and avoid paying a higher ATM fee, select "debit" and enter your PIN when making a purchase at a retailer. Purchase transaction fee may apply, depending on which fee plan you selected. This option may not be available at all retail locations where the card is accepted.
2 ATM owner fees may also apply.
3 Calculation based on 5 PIN Purchase Transactions and 5 Signature Purchase Transactions.
4 To be eligible for this optional fee plan, have $500 deposited to the ACE Elite Prepaid Card during one calendar month. See Cardholder Agreement for details.
Goodbye to Hidden Fees
Fees Related to the Service:
Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.
ACE Elite™ Pay-As-You-Go Plan
ACE Elite™ FeeAdvantage™ Plan (Monthly)
ACE Elite™ with Direct Deposit FeeAdvantage™ Plan (Monthly)
Card Purchase Fee
*To be eligible for this optional fee plan, have $500 deposited during one calendar month.
Signature Purchase Transaction Fee
PIN Purchase Transaction Fee
Balance Inquiry Fee:
via toll-free number (automated service)
via toll-free number (customer service agent)
via Anytime Alerts™**
Bill Payment Fee
In addition to the one or more no-cost bill payment methods made available through third-party service providers, a full range of options and applicable fees appear at the Site.
Stop Payment Fee for Preauthorized Payment
Domestic ATM Cash Withdrawal
$2.50 per withdrawal, plus ATM owner fees, if any
International ATM Cash Withdrawal
$4.95 per withdrawal, plus ATM owner fees, if any
ATM Transaction Decline Fee
Tip: To avoid the ATM fees, you can get cash back when making purchases using your PIN at many retailers, such as grocery stores.
** Standard data usage or text message rates may apply. Check with your provider.
Add Money To or Withdraw/Transfer Money From Your Account: (Applies to all Cardholders)
Add cash, checks or withdraw cash at a NetSpend Reload Network location
Convenience fee determined by location
Free; transfer fees from the originating bank may apply
Instant Bank Transfer
$5.95 each (deducted from the transferor's debit card account
Account-to-Account Transfer via text message or online
Free; standard text message rates may apply
Account-to-Account Transfer via toll-free number (automated service)
Account-to-Account Transfer via toll-free number (Customer Service Agent)
Manage Your Account: (Applies to all Cardholders)
Check or Additional Statement Mailing Fee
Additional Card Fee
$3.95 each (standard Card)
$4.95 each (custom Card)
Lost, stolen or damaged Card Replacement Fee
$3.95 each (standard Card)
$4.95 each (custom Card)
Account Maintenance Fee
$5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days)