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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.
To apply for a Payday Loan (or Cash Advance) all you need to do is fill out a simple application, and sign a few forms. This easy online process only takes minutes. If you're approved, you could get the money in hand or have it deposited into your bank account next business day.1, 2 On your next payday, your account will be debited for the amount you owe.
You will need your banking information (bank routing and account number) and your social security number to complete an online application.
No collateral is necessary or accepted.
No. You will not be charged to apply for the payday 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.
Loan amounts vary by state. Click here to find the maximum loan amount in your state. Loans are subject to approval pursuant to standard underwriting criteria.1
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, 2 For verification purposes, we may need to contact you by telephone before your loan is funded.
The online system will notify you if you qualify for a loan upon completion of the online 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, 2 Verification may not occur on weekends or holidays.
No. ACE Cash Express requires no faxing as a part of the loan application.
Your payday loan will be due on your next approved payday (loan durations are state specific). You will be informed of the due date when your loan is approved.
The amount you owe will be debited from your bank account on the day the loan is due.
Paying early will not result in any penalty. In certain states you may be eligible for a refund of all or part of your finance charge upon prepayment.
Failure to make a timely payment on your loan or credit services transaction can have several consequences, including the following: