Payday Loans

Frequently Asked Questions

About Payday Loans

What is a payday loan and how does it work?
Are payday loans available in my state? How much can I borrow?
Can spouses have separate loans?

Application Process

What do I need to apply for a payday loan?
How do I apply for a loan?
Do I need to be employed? Can I be retired?
Do I need collateral to apply for a loan?
Is there any cost to apply for the loan?
How will I know if I am approved? When will I receive my funds?
Will I need a fax machine to apply for a loan?

Payments and Cancellation Information

When will the loan be due?
How and when can I pay back?
If I pay off my loan early, how does that affect my finance charges?
What if I change my mind and decide to cancel my loan?
Can I refinance my loan?
What happens if I fail to make a timely payment on my loan or credit services transaction?

About ACE

Why choose ACE Cash Express?
What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?
Is my personal information safe?
  1. 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.​ 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. Loans in Minnesota made by ACE Minnesota Corp. Loans 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. Loans 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. 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 not available in all states.

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.