Our products vary by state.
Applying for a loan at ACE does not affect your FICO® Score.†
Terms, Conditions and Privacy Policy License and Rates
For California residents, click here to learn what personal information we collect and how it is used.
Fast cash before your next payday!1
A payday loan 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.1
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Repay over time, not all at once.1
An installment loan is a short-term personal loan that a borrower repays in scheduled payments (installments) – that are basically equal in amount – over a specified length of time.1
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Where available, we are proud to offer a quick and convenient way to receive online loan proceeds instantly to a debit card.2
Choose your state to get started.
Choose the product or service that is right for you.
Start the process online or visit an ACE store near you.
ACE been in business since 1968 and has more than 750 stores nationwide. Our mission is to provide a broad range of quality financial products and services, delivered with best-in-class customer service.
ACE offers a variety of products and services to meet your financial needs.
Our financial services vary by state and location and may include:
Anyone can apply, even if you have a less-than-perfect credit history. We use standard underwriting criteria to determine approval.1 When you complete an application online or in one of our stores, you’ll find out in just a few minutes if you’ve been approved. Check out the Payday Loans and Installment Loans pages for more information. To see loan options available where you live, use our Store Locator.
Payday loans (also known as cash advances) are short-term loans designed to help you cover utility bills, unexpected car repairs and other emergency expenses before your next payday.1 Unlike an installment loan,4 the balance of a payday loan is generally due in full by your next pay date.
An installment loan is a short-term personal loan that allows you more time to repay compared to a traditional payday loan.4 At ACE, installment loans are repaid over time in scheduled payments (installments) that are substantially equal in amount. You can choose to repay an installment loan early without penalty, which may save you money on interest and fees (where applicable) and we encourage you to do so. In contrast, a payday loan is typically due in one single payment on your next pay date.
There are no application fees for short-term loans, installment loans, or title loans at ACE Cash Express.
Come to us for great check cashing service! Just bring the check and a government-issued ID. We cash most types of checks - even hard-to-cash checks that other companies may not cash - and checks in large amounts.3
Each of our locations has a menu board that lists competitive check cashing fees for different check types. Because these rates vary by state and may change, it’s best to visit a store near you to ask about fees.
The ACE Cash Express Customer Service team is here to answer your questions and provide support for our products and services. You can call us at 877-ACE-CASH or email us at customerservice@acecashexpress.com. Please visit our Customer Service page for links to product FAQs and the Loan Payment Center.
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