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We make it easy to obtain cash when you need it most. ACE Cash Express, Inc. is a leading financial services provider, specializing in short-term consumer loans, bill pay and prepaid debit card services, as well as the largest owner operator of check cashing stores in the United States. In business since 1968, ACE Cash Express focuses on serving consumers seeking alternatives to traditional banking relationships by gaining convenient, immediate access to financial services. We have served over 38 million customers.
What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?
Depending on the state, ACE may serve as a lender, CSO and/or CAB. A Credit Services Organization (CSO) is a company that earns compensation by, among other things, helping consumers obtain loans from a lender. A Credit Access Business (CAB) is a type of CSO that helps people obtain Payday, Installment and Title Loans from a lender. CSOs are not lenders and do not make loans.
*Loans will be arranged or made pursuant to Department of Business Oversight Finance Lenders License.
An Installment Loan allows you to pay a loan over a longer period of time than a traditional Payday Loan.2 The Installment Loan at ACE allows you to repay the loan in scheduled payments that are substantially equal in amount (last payment may vary slightly). At ACE, an Installment Loan could be repaid early, which may save you interest and CSO fees (where applicable).
To apply online, all you need to do is fill out our simple application. ACE's paperless application process is convenient, secure and simple. Make sure you have your social security number and banking information handy while completing the application. You will need this information to complete the loan application. Our simplified application process allows you to fill out and sign your loan documents on your computer without the need to fax unnecessary documentation.
Installment Loans at ACE range from $200 - $5,000.4 If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.
If approved, and all information is verified by 6:00 pm Central Time Monday through Friday and 2:00 pm Central Time on Sunday, you will generally receive your money the next business day.1,3 For verification purposes, we may need to contact you by telephone before your loan is funded. Applications received on a weekend or holiday may be verified the next business day due to bank closures.
You do not need to be employed, but you need to have some sort of income. You may be self-employed, or receive income from a source other than an employer, but we will require you to have the ability to repay the loan. You may be retired or on disability. The key is to have a source of income.
You will need your banking information (bank routing and account number) and your social security number to complete an online application.
No. You will not be charged to apply for an Installment Loan, whether or not you are approved. Plus, every online loan comes with a 72-hour Satisfaction Guarantee. So, if you change your mind about your online loan, just return the principal within 72 hours and pay nothing more.
Installment Loan payments will be due on consecutive pay periods and the term (length) of the loan will vary by state. You will be informed of the payment due dates and amounts if your loan is approved.
When will I know whether or not I qualify for a loan?
The online system will notify you if you qualify for a loan upon completion of the application. The information in your application must be verified before funds are deposited into your account. It generally takes less than 1 business day, if all information on the application is correct.1, 3 Verification may not occur on weekends or holidays due to bank closures.
While completing your application, you may choose to have a transfer of funds initiated from your bank account on the day the payment is due OR you may choose to send your payments through mail using a check or money order. Please note, you will be charged a higher fee if you choose to send your payments through mail.
If you repay your loan in full at any time, you will only be responsible for accrued interest and fees on the outstanding principal through the date of repayment.
Every online loan comes with a 72-hour Satisfaction Guarantee. So, if you change your mind about your online loan, just return the principal within 72 hours and pay nothing more.
You may cancel your loan by sending us a written notice of cancellation or by contacting us at 877-876-2274 to initiate an electronic funds transfer from your account for the amount financed within 72-hour cancellation period. You may cancel this contract, without any penalty or obligation, within 72 hours after the date the contract is signed. The written notice must be postmarked within 3 days of signing the contract.
To cancel your loan or credit services, mail or deliver a signed and dated copy of the cancellation notice, or other written notice, to: