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.

Rates and fees 4.4
Speed 4.4
Customer Service 4.4

Product description

Basic requirement to get the loan

  • Steady source of income
  • reside in the state you choose for your loan at least 18 years old
  • Not currently in a bankruptcy case
  • Not an active member of the military
  • Have a valid SSN or ITN
  • Checking or savings account that has been open for at least one month
  • Valid phone number
Lender Stats AZ, AR, CA, CO, DC, DE, FL, GA, ID, KS, LA, MD, MH, MN, MO, NM, NC, OH, OK, OR, PA, SC, TN, TX, VA
Loan Term 6 Months
APR Up to 890.4%
Loan Amount 200$ – 2000$
Time to money Next business day (online), immediately (offline)
Online/Offline Online/Offline
Funding Method Online – Bank account, Offline – Cash
Written by author:

Luis Diaz Morales

Updated: 06/01/2022

Ace Cash Express is one of the lenders presented on our website that offers various products and financial services. You can get a short-term loan for the solution of your financial problems from this lender but you will pay high-interest rates. This is the common situation for all payday loan lenders and that is why you should choose this option only if there is no other way to get money.

If you want to learn more info about ACE express cash loans and other financial services continue reading this review.

ace payday


When you need to obtain funds urgently you have an opportunity to request ACE cash express loans even though the loan and repayment terms are not the best ones. However, it is a good and available alternative for people who cannot access money from traditional banks. Everyone can get short-term loans from ACE even if they have low credit scores but the size of loan amount is limited. You can learn more about the conditions of ACE payday loans on the website of this company or with the help of our services.

Terms of ACE cash loans:

  • The loan period is up to half of the year;
  • The loan amount from $200 to $2,000;
  • Payment on the next day or the same day if you take the loan offline;
  • Transfer of funds to a bank account or cash payment.

The conditions for payday loans in ACE Cash Express are typical for cash advances. Pay attention to the fees regulations and payments schedule to avoid paying extra money for the loan.

Requirements to Borrowers

of ACE Loans

ACE Cash Express makes affordable offers for borrowers with different financial situations. You can obtain money from this company and other payday loans companies even if you have debt because they do not perform a credit check.

The person who complies with the description below is eligible to apply for a cash express and get a fast financial benefit:

  • Residence in the state of loan request;
  • Over 18 years old;
  • Have proof of stable income;
  • Have a valid bank account.

The process of loan approval will take less than one day if you correspond to all conditions and agree with the loan term.

Payday loan benefits

Quick cash

Money paid to you


Money as soon
as the same day

online form

Apply in minuters

Bad credit

Our lenders accept
bad credit

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Payday Loan Questions

How can I borrow money immediately?

There are several options for borrowing money quickly if you are in need of quick cash. You can take a loan from a bank, credit union, or online lender. Credit cards can be used as a form of secured loans and require you to submit collateral to access funds quickly. Borrowing from family members or friends may also be an option; however, this should be a last resort since it places relationships at risk. Additionally, some employers may offer short-term paycheck advances as well, so these should definitely be researched when in need of quick cash.

What is the easiest online payday loan to get?

The easiest online payday loan to get is a loan that allows you to borrow small amounts of money with a low-interest rate. Generally, the best way to find this type of loan is to search online and compare the various lenders who may offer favorable terms. You will also want to examine any fees associated with taking out the loan, such as an origination fee or late fees. Additionally, you should make sure that the repayment terms are consistent with your ability to make timely payments before taking out the loan.

Can I get a loan instantly online?

Yes, you can get a loan instantly online. Many lenders offer fast and easy access to fast cash with options such as payday loans and installment loans. However, it is important to understand the risks associated with these types of loans and ensure that you have the ability to repay them before signing up for one. Fast access to money should be a last resort since high-interest rates and short repayment terms come with this type of loan.

Is it safe to get a payday loan online?

Getting a payday loan online can be risky due to the possibility of predatory lenders. Predatory lenders charge high-interest rates, use deceptive practices to lure borrowers into unnecessary debt, and try to collect multiple times the amount borrowed. However, there are reputable payday loan websites that are safe to use if you take the proper precautions. Doing your research, understanding the terms of the loan you’re taking out, and knowing exactly how much you’ll be paying back will help ensure that you’re getting a safe and legitimate loan.

Is it difficult to get approved for a payday loan?

Getting approved for a payday loan can be difficult. Lenders consider factors such as credit score, income, and other financial obligations to decide whether or not to approve the loan. In addition, some lenders may require additional forms of collateral or proof of income before approving the loan. Some lenders also enforce restrictions based on the debt-to-income ratio. Ultimately, a payday loan is still a form of unsecured debt, so it requires a thorough vetting process by the lender before approval is granted.

What is the easiest type of loan to apply for?

The easiest type of loan to apply for is a personal loan. Personal loans are often unsecured, so they do not require collateral, and typically offer the lowest interest rates. Many lenders also have simple online applications with fast approval times, which makes applying for a personal loan even easier. Additionally, many lenders do not require a cosigner or lengthy credit history to be approved for a personal loan.

What is the smallest payday loan you can get?

The amount of the smallest payday loan depends on the lender and the regulations in each state. Generally, the smallest payday loan you can get is anywhere from $100 to $500. However, some lenders may offer lower amounts such as $50 or $75. It’s important to note that although these small loans may seem appealing, they should only be taken out of a last resort due to their high fees and interest rates.

How can I get an instant loan in 5 minutes?

Getting an instant loan in 5 minutes is now possible with many new fintech companies that specialize in providing loans quickly and securely. All you need to do is fill out a short application on their website, submit your identity documents and bank statements, and then wait for the decision on your loan application. Some lenders have even gone one step further by offering real-time deposits directly from their apps. So if you are approved for a loan, you can usually get the money within minutes of completing the online process.

How can I get money today?

Depending on your needs, there are a few different ways to get money today. If you have equity in existing assets such as real estate, stocks, or bonds, then you could consider taking out a loan against those assets. You could also pursue funding sources such as banks, venture capitalists, angel investors, friends, and family members for investment capital. There are also numerous cash advance apps that offer quick loans and payday advances. However, make sure you do your due diligence when using these services as loan terms can be costly in the long run.

Can I get a loan without a job?

It is possible to get a loan without a job, but it will depend on the type of loan and your creditworthiness. For example, if you have a good credit score or collateral, you may be able to get a personal loan from a bank. However, most lenders will require some form of income in order to grant a loan. Additionally, peer-to-peer lenders might be willing to provide loans for those who are unemployed or have bad credit.

When is a Payday Loan the right decision?

Payday loans are short-term loan options for individuals in need of quick access to funds. Payday loans should only be used as a last resort, when all other avenues of funding have been exhausted. For example, if an unexpected financial emergency occurs, such as a medical bill or car repair, it may be necessary to use a payday loan to ensure you have enough money to cover the cost until your next paycheck arrives. Payday loans typically come with high interest rates and fees, so it is important to understand the terms before taking out a loan.