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      December 6, 2019

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Cash Advance vs ACE Cash Express

Best Payday Loan Companies

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

To see ALL of our reviews for the Best Payday Loans, please Click Here

Payday loans 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 payday loan (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of payday loans are many. Often they don't require a credit check from the major three credit bureaus. The best payday loans 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

2019

Payday Loan Reviews

4.5 stars
Cash Advance

CASH ADVANCE

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Loan:

$100 - $1,000 for first time customers

Cost:

Varies based on your state and the length of the loan

Cash Advance has a very easy payday loan request process. You fill out the simple online form, and within seconds you can be approved and waiting for your cash to arrive. And with over 400 lenders in their payday loan network, many companies will review your information, meaning you have a greater chance of being approved than if you were to visit one lender directly.

The payday loan request process is both quick and entirely online. Cash Advance doesn't require you to fax or send any documentation in with your request form. All the information they need is what you provide on their website.

Cash Advance supports payday loans up to $1,000. Regardless of whether you've had recent problems meeting your bills, Cash Advance can still help you get the cash you need - no questions asked. This also eliminates any negative impact that can occur with checks of your credit history.

Once approved, your lender conveniently delivers your cash into your checking or savings account by direct deposit. This means that they will automatically send your money into your account, usually within one business day of your approval.

Another feature we really liked about Cash Advance is all the helpful financial information they provide on their website. Under the Your Finances section, you can find guides on a variety of money management, life planning, smart spending, and family finances. They also offer an account center for their customers, which gives you the ability to easily re-request a loan, check the status of an existing request, and more.

Cash Advance boasts an easy request process, with no faxing and no paperwork hassles. Electronic delivery of your money is usually within 1 business day and is not dependent on your credit history whatsoever. Plus, Cash Advance has been in business for over 15 years. If you need a payday loan fast with low fees and no stress, Cash Advance is an excellent choice.

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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 payday loans, 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 payday loan servicing to the Internet.

The payday loan 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 payday loan information. While we would prefer to complete the payday loan process without the necessity of a phone call, the representatives are helpful and can answer any questions you might have about your payday loan.

In addition to payday loans, 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 payday loans 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 payday loan from ACE Cash Express.

We like the reliable history that ACE Cash Express offers with their payday loans. 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 payday loans hurts them in our rankings.

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Continued from above

Drawbacks? Payday loans 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 payday loans 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, payday loans can provide a fast and easy solution. When evaluating different payday loans, 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 payday loans available today. We hope these reviews help you meet your short-term financial needs!

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