Money management
Tips for Paying Off a Loan Fasterby Cynthia R. Borrowing money, when done responsibly, can be incredibly useful for accomplishing your financial goals. Debt is a common part of everyday li...
Our products vary by state.
Trusted Loans and Money Services at ACE Cash Express
We’re here to help you with your money matters in our stores and online in select states.
Applying for a loan at ACE does not affect your FICO® Score.†
Apply for Cash at ACE
Why Apply Today?
Instant Decision
Fast Cash, If Approved
Satisfaction Guarantee*
*So if you change your mind, just return the principal within 72 hours and pay nothing more.
Apply Now for a Loan at ACE
Payday Loan
Installment Loan
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.
Apply for Cash When You Need It
Payday Loans
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
Already have an account? Log in here.
Installment Loans
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
Already have an account? Log in here.
Need a Cash Advance?
See if you qualify for up to $100 with FrontPay2
ACE Cash Express and FrontPay are both Populus Financial Group brands.
Need cash in a pinch? Request a cash advance to help with unexpected expenses. FrontPay is a simple, convenient option to access cash when you need it most. Eligibility criteria apply, and availability varies by state.2
No Interest
FrontPay does not charge interest on cash advances.
No Credit Check
Eligibility is based on bank activity and direct deposit history, not a credit check.
No App Download
FrontPay is available online, so there’s no mobile app to download.
No Late Fees
Subscribe for $9.99 Per Month3
Why Choose ACE Cash Express?
About ACE
ACE Cash Express is a trusted brand with 55+ years of experience providing quality financial products and services, delivered with best-in-class customer service.
With more than 700 stores nationwide, ACE offers multiple financial solutions under one roof, including options for consumers without traditional bank accounts.
ACE is located in 21 states and the District of Columbia.
Come to ACE for the help you need when it matters most!
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*as of May 2026
Instant Funding at ACE
Were You Approved for an Online Loan at ACE?
If you’re approved for an online loan at ACE, instant funding to a debit card is the quickest and most convenient way to receive your loan proceeds. If you are eligible for instant funding to your debit card and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification. Funding times vary based on your bank.4
How Instant Funding Works
Not all banks allow instant funding, and not all applicants are approved for a loan1 or for instant funding.4
If you are eligible for instant funding but your bank does not allow instant funding, we will notify you by email. Your money will then be direct deposited into your bank account by the next business day.5
If you are not eligible for instant funding, we will not ask for your debit card information.
FAQs
ACE offers a variety of products and services to meet your financial needs.
Our financial services vary by state and location and may include:
Payday loans are short-term loans designed to help you cover utility bills, unexpected car repairs, or other emergency expenses before your next payday.1 The balance of a payday loan is generally due in full by your next pay date.
Anyone can apply for a payday loan at ACE, 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 page for more information. To see loan options available where you live, use our Store Locator.
ACE may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO Score.†
There are no application fees for short-term loans, installment loans, or title loans at ACE Cash Express.
An installment loan is a short-term personal loan that allows you more time to repay compared to a traditional payday loan.7 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.
Every loan at ACE comes with a satisfaction guarantee cancellation period. ACE does not charge a fee to apply.
Most ACE loan products may be canceled within 72 hours of receiving your funds. Certain loan products offered in Arizona, Florida, Louisiana, Ohio, Oregon, and Virginia, provide a cancellation period until the close of business on the third business day after you receive your funds. Simply return the principal amount borrowed and pay nothing more.
Please refer to your loan agreement for the cancellation period and instructions that apply to your loan.
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.6 Just some of the check types we cash are:
- Payroll checks
- Personal checks
- Business checks
- Income tax refund checks
- Government checks
- Insurance settlement checks
- Money orders
Each of our locations has a fee 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 an ACE store near you to ask about check cashing 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.
On the School of ACE Blog
Money management
About Check Cashing: How and Where to Cash a Checkby Alexandria D. Receiving a check can be an exciting experience, but it’s only the first step to accessing that money. To get those funds, you’ll need to ...
Life at ace
ACE Cash Express and AdoptAClassroom.org Support Teachersby Cynthia R. Parents aren’t the only ones who buy back-to-school supplies every year. Most teachers have to shoulder part of that financial burden as well...
