Cash Advance

Short-Term Loan Information.

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What is a Cash Advance?

Cash advances, also referred to as payday loans or personal loans, are intended to cover financial emergencies until your next payday or sooner. It is very important to know what to expect when seeking any loan product. Here are some things to keep in mind:

  • When you need a small amount of cash fast, a cash advance loan is a practical option. It is intended to be temporary financial help until your next paycheck, benefits check, or retirement check. If approved, your cash is available within one to two business days.1,2 It is a "short-term" loan because the balance is due the following payday. "Long-term" loans, typically provided by a banking institution, are a better choice when you need a larger amount of money, and you know you cannot pay it back for a while. Be aware, however, that most long-term loans will require that you undergo a rigorous application process, and it may take several days to weeks to obtain your cash.
  • With short-term cash advance loans, you do not have to provide ACE Cash Express with a reason for borrowing. Long-term lenders often demand borrowers explain their loan need before approving the transaction, so you may need to reveal personal information you would prefer to keep private.
  • If you decide that a cash advance at ACE fits your lending needs, rest assured that the application process is secure. We do not require collateral for a payday or installment loan and the money is conveniently direct deposited into your account within one to two business days, if you are approved.1,2

Learn More About Cash Advances

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  1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a cash advance or for the maximum cash advance amount. Terms and conditions apply. Cash advances should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. Populus Financial Group, Inc. is licensed by the Department of Financial Protection and Innovation pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Cash advances in Minnesota made by ACE Minnesota Corp. Cash advances in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender.

  2. Cash advance funding requires verification of application information. Depending on ability to verify this information, cash advance funding may be extended up to two days. All cash advances subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.

Our credit decision on your application may be based in whole or in part on information obtained from a national database, including, but not limited to, TransUnion, Equifax, LexisNexis, and/or FactorTrust, Inc.