Payday Loans

Frequently Asked Questions

About Payday Loans

What is a payday loan and how does it work?
Are payday loans available in my state? How much can I borrow?
Can spouses have separate loans?

Application Process

What do I need to apply for a payday loan?
How do I apply for a loan?
Do I need to be employed? Can I be retired?
Do I need collateral to apply for a loan?
Is there any cost to apply for the loan?
How will I know if I am approved? When will I receive my funds?
Will I need a fax machine to apply for a loan?

Will applying for a payday loan impact my credit?

What is a FICO® score?

Payments and Cancellation Information

When will the loan be due?
How and when can I pay back?
If I pay off my loan early, how does that affect my finance charges?
What if I change my mind and decide to cancel my loan?
Can I refinance my loan?

About ACE

Why choose ACE Cash Express?
What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?
Is my personal information safe?