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How Do Loans Work?
About Payday Loans
- What is a payday loan and how does it work?
Payday loans are short-term loans designed to help you pay for immediate expenses. Unlike an installment loan, the balance of a payday loan is due in full by your next payday.
If you need fast cash1,2 and you have a steady source of income, a payday loan could be an option for you. Payday loans can help you cover overdue utility bills, unexpected car repairs and other emergency expenses.
Online
To apply for a payday loan online, all you need to do is fill out a simple online application, and sign a few forms online. This easy process only takes minutes. If you are approved, you could pick up the money in-store or have it deposited into your bank account the next business day.1,2 On your next payday, your account will be automatically debited for the amount you owe. If eligible, you can also make an online payment.
In-Store
You can also apply for a payday loan at certain ACE store locations. Just use the store locator to find a store near you, and apply in person. If you are approved, you can walk out with cash in hand.1
You should pay off your loan in the store where the loan was originated with cash on or before due date.
- Are payday loans available in my state? How much can I borrow?
Payday loans are available online and in-store in the states below.
Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.
- Can spouses have separate loans?
Yes. Each customer is treated individually, and each spouse can apply separately for a loan.
About Installment Loans
- What is an installment loan?
An installment loan allows you to pay a loan over a longer period of time than a traditional payday loan.3 Installment loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount (last payment may vary slightly). At ACE, an installment loan can be repaid early, which may save you interest and CSO fees (where applicable).
- Are installment loans available in my state, and if so, how much can I borrow?
Installment loans are available online or in-store in the states below.
Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.
Online
California: $2,500 - $5,000
Delaware: $200 - $2,000
Missouri: $200 - $2,000
New Mexico: $200 - $2,000
Ohio: $100 - $1,000
Texas: $200 - $2,000
- Can spouses have separate loans?
Yes. Each customer is treated individually, and each spouse can apply separately for a loan.
About Title Loans
- What is a title loan?
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A title loan is a loan where a vehicle title is used as collateral in exchange for the loan amount.
- Are title loans available in my state? How much can I borrow?
Title loans are available in-store in the states below. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.
Arizona: $100 - $2,500
Georgia: $100 - $2,000
Louisiana: $500 - $1,000
Ohio: $200 - $300, or $500, or $1,000
Oregon: $100 - $300
Tennessee: $100 -$2,500
Texas: $100 - $5,000
- Do I have full use of my vehicle during the term of the loan?
Absolutely! If approved, you get the money, and you get to keep driving your vehicle.1
- Are motorcycle title loans available?
Yes, title loans are available for motorcycles in-store, and the requirements are the same: clear title with your name on it, government issued photo ID, and proof of income.
About ACE
- Why choose ACE Cash Express?
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, and is one of 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.
- What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?
- Depending on your state, a Credit Services Organization (CSO) is a company that earns compensation by, among other things, helping consumers obtain loans from a lender. A Credit Access Business (CAB) is a type of CSO that helps people obtain payday and title loans from a lender. CSOs are not lenders and do not make loans. ACE Credit Access LLC is a CSO and a CAB that helps consumers obtain loans from an independent third-party lender. FSH Credit Services LLC is a CSO that helps consumers obtain loans from an independent third-party lender.
List of states where ACE Cash Express is the lender:
Arizona
California*
Colorado
Delaware
Florida
Idaho
Indiana
Kansas
Louisiana
Minnesota†
Missouri
New Mexico
Oklahoma
Oregon
South Carolina
Tennessee
Virginia
*Installment Loans will be arranged or made pursuant to Department of Business Oversight California Financing Law. †Loans in Minnesota made by ACE Minnesota Corp. List of states where ACE Credit Access LLC is a CSO and a CAB: Texas List of states where FSH Credit Services LLC is a CSO: Ohio - Is my personal information safe?
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