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      August 19, 2019

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ACE Cash Express vs Securaloan

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 Securaloan.

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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.

Continue reading below reviews

Best Reviews

2019

Cash Advance Reviews

4 stars
ACE Cash Express

ACE CASH EXPRESS Visit Site

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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1.5 stars
Securaloan

SECURALOAN Visit Site

Loan:

From $100 to $30,000

Cost:

APR of 9% to 1200%

Securaloan connects you with their lender network for cash advances that can range from $100 to $30,000. If you're looking for a lender that funds loans directly, Securaloan is not that company.

The first step in their cash advance process is to complete the "Qualify Now" form. Here you'll enter your credit score range, monthly income, zip code, and whether you're active military. Next you're taken to a longer application, similar to other services we reviewed. You'll be asked for your contact information, bank information, Social Security Number, and so on.

After completing this longer form, you're shown a "lender offers" page where you can see the cash advance amount that you qualify for, along with the terms and conditions for each offer. Since they're not an actual financial lender, Securaloan can't give you specific quotes for how much you'll be charged in interest rates. However their FAQ page does state that their partners typically charge anywhere from 9% to 1,200% APR.

We tried calling the toll-free number in the "Contact Us" section, but the automated system identified itself as the "Cash By Phone Network". We had to make several calls before the system accepted our zip code for verification; once past that, we were told that no loans were available in our area.

We then tried a zip code from a different area and were asked several automated questions; once we answered that no one in our household was active military, the recording stated "We cannot help you at this time". We're not sure why not being active military would disqualify us from their process since we said that we had a current source of income and we were 18 or older. After this, we entered the same information in the online "Qualify Now" form and were then taken to the detailed application. This inconsistency is very troubling.

Intrigued, we looked up the mailing address provided in the "Contact Us" page. It came up as being the address for two other businesses - LeadStudio and Alliance Capital Funding Network. While it's true that businesses can legally operate under different names, Securaloan doesn't make it easy to verify that they're completely legit.imate. We would not feel secure entering our personal information, such as your bank information or Social Security Number, unless we knew the lender was trustworthy.

The one positive we found on the Securaloan website is the Financial Fundamental Tips section. For many people who struggle to make ends meet - as is the case with those who are looking for a cash advance - there is useful information about credit scores, budgets, and being in finanical control of your life.

Having a lender you can trust is extremely important. Unfortunately, Securaloan doesn't establish that kind of trust, and for that reason we recommend that you look for a cash advance provider with a stronger reputation.

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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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