California Cash Advance and Check Cashing | ACE Cash Express

ACE Locations in California

Find ACE Cash Express Near you

Available Loans in California

Cash Advance

Amounts Offered

$100-$255 (online or at an ACE store)

A California cash advance offered at ACE is a small-dollar, short-term loan designed to help cover unexpected expenses until your next paycheck. If approved, the borrower generally repays the loan balance in full on their next payday.

Apply Online Find a Store

Cash Advance APR and Fees

Benefits of a California Cash Advance

Easy Application

ACE's personal loan application process is hassle-free and usually faster than applying for a traditional personal loan.1

No FICO® Score Impact

ACE Cash Express may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO® Score.2 If you are approved, the loan amount you may borrow will depend upon your income and our standard underwriting criteria1

Instant Decision 

 

When you apply for a loan at ACE, you receive an instant decision, so you’ll know right away if you are approved

Receive Loan Funds1 

If approved for an online loan, 1 you may be eligible for Instant Funding to a debit card. If you are offered the debit card instant funding option and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification. Funding times vary based on your bank.3 Otherwise, you could have your funds deposited into your bank account as soon as the next business day or, if eligible, pick up cash same-day at one of our stores. If approved for a store loan, you’ll receive your funds immediately.4

Products Offered at ACE

Porte®

Mobile Banking With Service You Love

Deposit Account opening is subject to registration and ID verification.5 Porte is a full-service mobile finance app with in-person support. Banking services provided by Pathward®, N.A., Member FDIC.

Flare Account®

Online Banking for Your Everyday Life

A Flare Account offers the tools you need to manage your money your way. Deposit Account opening subject to registration and ID verification. Terms and fees apply. Established by Pathward®, N.A., Member FDIC.5

ACE Elite® Visa® Prepaid Debit Card

Your Money, Your Way

Manage and control your money on one convenient, prepaid debit card. Card usage is subject to card activation and identity verification. 5

Other Financial Services ACE Offers in California

Check Cashing

ACE is your one-stop shop for check cashing. We cash most types of checks with no bank account required. All you need to cash a check is a valid government-issued ID.6

Bill Pay

ACE offers bill payment services for rent, utilities, credit cards, and more. All you need is your bill or account information and cash.

MoneyGram® Money Transfers

ACE provides a fast, convenient, and secure way to send or receive money with MoneyGram® Money Transfer either in-store or online. Send funds domestically, anywhere in the U.S., and Internationally to over 200 Countries and territories.

MoneyGram® Money Orders

Skip mailing cash and send a money order instead! ACE Offers a more secure and reliable alternative to sending cash with MoneyGram® Money Orders.

ATM Services7

Take advantage of convenient cash withdrawals or a balance inquiry. ACE also offers services to load cash funds to various debit and prepaid debit cards.7

ACE Elite® Visa® prepaid debit card, the Flare Account®, and Porte accountholders can receive in-person support with adding funds and withdrawing cash.8

Tax Services

ACE cashes all types of tax refund checks. If you received your tax refund on a tax card, you can withdraw cash at an ACE store.6,7

Business Services

Cash business checks at ACE. We have cash on hand, even large amounts. Our service hours are longer than typical, traditional banks, and our fess are competitive.6

California Cash Advance FAQs

Our loan application is hassle-free and fast for a California cash advance. The information requested when you apply may vary between applying for a payday loan online or in-store. Requirements may also vary by state.

Requirements When Applying for an Online Payday Loan

You:

  • Are 18 years of age or older.
  • Reside in the state you choose for your loan application.
  • Have a valid Social Security Number or Individual Taxpayer Identification Number.
  • Have a valid and active email address.
  • Are reachable by phone for application information verification purposes.
  • Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.
  • Provide proof of an active bank account that has been open for at least one month. California consumers must have proof of an active, personal checking account that has been open for at least one month.
  • Are not currently a debtor in a bankruptcy case, nor intend to voluntarily file for bankruptcy relief.
  • Are not a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or a dependent of any such member.

All loans subject to approval pursuant to standard underwriting criteria.1

Requirements When Applying for an In-Store Payday Loan

You:

  • Are 18 years of age or older.
  • Have a valid, government-issued ID.
  • Have a valid and active email address, where applicable.
  • Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.
  • Provide proof of a bank account that has been open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof. Contact your local stores for details. Acceptable documents may vary by state. California consumers must have proof of an active, personal checking account that has been open for at least one month.
  • Are not a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or a dependent of any such member.

All loans subject to approval pursuant to standard underwriting criteria.†

ACE is a licensed lender under the California Deferred Deposit Transaction Law.

Cash Advances are typically due in full on your next payday. By state law, the maximum loan term is 31 days for a Cash Advance in California. Your loan agreement will outline your due date and other important information about repayment terms.

About ACE Cash Express in California

ACE Cash Express locations in California offer valuable services to Californians, including short-term personal loans designed to help cover unexpected expenses or emergencies between paychecks. Additionally, ACE provides a range of financial services such as card services, check cashing, money orders, transfers, and bill payment services. We operate around big cities like Los Angeles, San Diego, and San Jose. Visit an ACE store in California and see why we’re one of the most trusted places to get cash when needed.

California Locations

Find ACE in Other States
asset