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      April 5, 2020

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ACE Cash Express vs Payday Loan Today

Best Cash Advance Companies

To help you find the Best Cash Advances, TopConsumerReviews.com provides you with an in-depth comparison of ACE Cash Express and Payday Loan Today.

To see ALL of our reviews for the Best Cash Advances, please Click Here

Cash advances provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a cash advance (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of cash advances are many. Often they don't require a credit check from the major three credit bureaus. The best cash advances offer amounts that can range from a few hundred dollars to $1,000. And you receive your loan very quickly; sometimes as soon as tomorrow.

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Best Reviews

2020

Cash Advance Reviews

4 stars
ACE Cash Express

ACE CASH EXPRESS

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Loan:

Amount varies by state

Cost:

Varies based on your state and the length of the loan

ACE Cash Express is a leading retailer of financial services, including cash advances, consumer loans, check cashing, bill payment, and even prepaid debit cards. As the largest owner and operator of check cashing stores in the U.S., they bring a rich history of cash advance servicing to the Internet.

The cash advance application process at ACE Cash Express is easy. You simply enter your information into their online form and press send. There is nothing to fax, and you receive your approval in minutes. Once approved, an ACE Cash Express representative calls you to review your cash advance information. While we would prefer to complete the cash advance process without the necessity of a phone call, the representatives are helpful and can answer any questions you might have about your cash advance.

In addition to cash advances, the ACE Cash Express website offers a variety of other lending needs. These include installment loans, title loans, prepaid debit cards, and auto loans. They also offer a convenient store locator, where you can cash checks, purchase money orders, send a money transfer, and more.

The biggest downside to ACE Cash Express is that they currently only offer online cash advances in 11 states. If you happen to live on one of those states, then you're in luck - otherwise you would need to visit one of the 950+ locations they have throughout the country in order to get a cash advance from ACE Cash Express.

We like the reliable history that ACE Cash Express offers with their cash advances. They are a dependable, nationwide company and they provide financial services beyond just the short-term cash advance. However, the limited number of states where they offer cash advances hurts them in our rankings.

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3 stars
Payday Loan Today

PAYDAY LOAN TODAY

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Loan:

$500

Cost:

$17.50 per $100 loaned

Payday Loan Today strives to provide customers with the fastest online cash advance service on the web, turning around applications in as little as 24 to 48 hours. Their online application is a simple one-page form with a minimum amount of input from the customer. Once the online application is submitted, it's processed and potentially pre-approved within minutes. If a cash advance request is submitted by 3pm Pacific / 6pm Eastern it is typically processed the same day and, once approved, funds will post to the account the next business day.

Payday Loan Today focuses on loans of $500, which may be discouraging for anyone seeking a larger cash advance. In order to qualify for a $500 loan a customer must show the following:

  • A monthly net income of at least $1,000
  • No more than two payday loans currently out with other lenders
  • No delinquent payday loans with other lenders
  • Must be actively employed
  • Must have payroll direct deposit going to your checking account (no savings accounts or pre-paid debit cards)

This is a more strict qualification list than some of the other cash advance services we've reviewed. While this will undoubtedly disqualify some people, it indicates that Payday Loan Today has a responsible lending policy.

Another feature we liked about Payday Loan Today is that they are a direct lender, which means they don't send loans off to some other lender once approved. Customers deal directly with this company and can utilize their live customer service Monday through Thursday, 8:30am - 4pm Pacific Time (11:30am 7pm Eastern Time), and Fridays 10am - 3:30pm Pacific Time (1pm 3:30pm Eastern Time). The toll free number is clearly displayed on the main page of the Payday Loan Today website.

The online application itself seems a little clunky. There is a notice on the application that says that it doesn't support all mobile devices, and some of the text is spaced awkwardly. However it was simple enough to complete the application once getting past the odd appearance.

People who are in the market for a cash advance should find Payday Loan Today an acceptable provider.

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Continued from above

Drawbacks? Cash advances typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best cash advances are meant to address quick cash needs, and should not be used as a long-term solution.

Still, in order to meet short-term obligations, cash advances can provide a fast and easy solution. When evaluating different cash advances, there are certain factors you want to consider. Some of these include:

  • Loan Amount.  How much money do you need? A variety of loan amounts are offered by different lenders.
  • Service Fees.  Look for companies that state their fees up front or guarantee lowest fees.
  • Convenience.  Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

TopConsumerReviews.com has reviewed and ranked the best cash advances available today. We hope these reviews help you meet your short-term financial needs!

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