Cash Advance

In this comprehensive review, we explore ACE Cash Express® Cash Advance designed to meet diverse financial needs. Discover how ACE Cash Express® stands out with its competitive interest rates, flexible borrowing limits, and rewarding perks.
14 - 30 Days
Repayment Term


General Info
Repayment Term Repayment Term
14 - 30 Days
Required documents Required documents
Do I fit in?
Age Age
from 18 years
Credit Score Credit Score

How to Apply for an ACE Cash Express?

  1. Visit website. Start by going to the ACE Cash Express site. Upon visiting the general page, you'll be prompted to select your state from a dropdown menu. This is important because the products and services offered by ACE vary by state.

  2. Choose the product. After selecting your state, browse through the available financial products such as payday loans, installment loans, or prepaid debit cards. Click on the product or service you are interested in.

  3. Start the application process. Click on the “Apply Now” button to begin your application. If you're applying for a loan, this step will direct you to the application form.

  4. Fill out the application form. Complete the online application form by providing all required information. This typically includes personal details, income information, and any other necessary documentation.

  5. Submit your application. After filling out the application form, review your information to ensure accuracy and completeness, then submit your application.

  6. Await approval. Once your application is submitted, wait for the approval process. ACE Cash Express will review your application and make a credit decision. This process may include verification of the information you provided.

  7. Receive your funds. If approved, you’ll receive instructions on how to proceed and, where applicable, how to receive your funds. For online loans where instant funding is available, you may have the option to receive funds instantly to a debit card.

Conditions and Requirements


  1. Loans amount. For Payday Online, amounts range from $100 to $1,500, and in-store from $50 to $715. For Installment loans, it's possible to receive amounts ranging from $100 to $2,000. The exact values depend on the state where the loan application is submitted.

  2. Interest rates. For short-term loans like payday loans, the interest rates can be high compared to traditional bank loans. These rates are often expressed as a flat fee based on the amount borrowed, but when calculated as an annual percentage rate (APR), they can appear quite high.

  3. Fees. Borrowers might encounter various fees, including origination fees (charged for processing the loan), late payment fees if payments are not made on time, and possibly rollover fees if the loan is extended beyond the original term.

  4. State variability. Both interest rates and fees are subject to state regulations, which can lead to significant differences in the costs associated with these loans from one state to another.


  1. Age and identification. Applicants must be at least 18 years old (varies by state) and must provide valid, government-issued identification.

  2. Bank account. A checking or savings account is required for the loan deposit and also for the repayment of the loan.

  3. Credit check. ACE Cash Express performs a credit check to make a lending decision, but they also consider applicants with less-than-perfect credit.

  4. Application information. To apply for a payday loan, applicants must provide personal information, proof of income, bank account details, and contact information.

  5. Employment and income. Applicants do not necessarily need to be employed but must have a steady source of income. This can include employment, retirement, social security, or other income sources.

  6. Application process. The application can be started online through the ACE Cash Express website or in person at one of their stores.

  7. Loan approval and funding time. For online loans, approval and funding may require verification of application information. Depending on the ability to verify this information, loan funding may be extended up to two days.

  8. In-store cash pickup. In-store cash pickup of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where the loan originated.

Ways to Receive the Money

ACE Cash Express offers several convenient ways for customers to receive their loan proceeds, ensuring flexibility and accessibility to meet the diverse needs of their clientele. One of the primary methods is instant funding to a debit card, where available. This option allows approved applicants to receive their loan funds quickly and conveniently, often within 30 minutes of loan approval and verification, although funding times can vary based on the customer's bank. For those preferring or requiring a physical transaction, in-store cash pickup is another option. Customers can apply for their loan online and then visit an ACE Cash Express location in the state where the loan originated to pick up their cash. This requires valid, non-temporary government-issued identification. The availability of these methods ensures that ACE Cash Express can effectively cater to the urgent financial needs of their customers by providing immediate access to cash through multiple channels.

Update 18.04.2024