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ACE Cash Express vs Helping Hand Advances

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ACE CASH EXPRESS

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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HELPING HAND ADVANCES

Helping Hand Advances provides convenient temporary solutions to people that run into a financial bind. To request a payday loan of up to $1,000 you simply apply online using their customer friendly website and answer a series of questions. Helping Hand Advances is available to assist customers with payday loans in over 40 different states.

Once your information is input into the system, Helping Hand Advances validates your details for payday loan approval. No additional information needs to be faxed in the majority of cases, and Helping Hand Advances does not place a credit or teletrack check. Helping Hand Advances states that your loan will be approved within minutes. You simply wait for the finalization to determine if your payday loan request is accepted - no need to talk to a representative on the phone. Once the approval comes through you'll learn the details of the payday loan terms. The term may run between 7 and 31 days, with loan extensions available. Approved payday loans are deposited directly into your bank account overnight.

Overall, Helping Hand Advances is a good option for your next payday loan. With a no hassle loan application process, and a flexible payment period, Helping Hand Advances will meet the needs of many individuals looking for short term cash assistance.

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Payday Loans

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

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.

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!



What to Look For in a Payday Loan

When searching for any type of loan, including payday loans, there are a number of factors to consider. Although fast cash payday loans are different in some respects, they are very much like any other loan in that convenience, cost and quick replies are essential. With that in mind, this article is designed to give you an accurate and detailed look at some of the factors to look for when choosing where to submit your application for payday loans.

  • Convenience. Can you apply online? If so, how long will the application process take? With the internet being so popular, many lenders now allow for fast and easy online applications, which also means quicker approvals. Due to the fact that payday loans focus less on credit history and more on your current ability to repay the debt, there is often a faster response, especially if your employment and income and easily verifiable.
  • Response Time. While considering payday loans, you should look at the average length of time for an approval and an estimate on how long it will be before you receive the cash advance. Payday loans are often referred to as a cash advance because, quite simply, they are a cash advance with your next paycheck being used as collateral.
  • Loan Fees. Every lender is different, but one thing remains virtually universal when it comes to payday loans. Almost every lender will impose a fee that is based on the amount of money that you borrow. In addition to the full amount of the loan being repaid, the fee must also be paid before the loan will be satisfied. It is crucial that you know exactly how much these fees are prior to applying for payday loans.
  • Loan Amount. Most payday loans are issued for an amount up to and including $1,500.00, but some may only lend up to $500.00. Available loan options, including the maximum loan amount, may differ from one lender to another. Prior to requesting payday loans, you should think about how much money you actually need and then look for a lender who can help you.
  • Reputation. One of the most important things that a company can have is its reputation, which is why it is important to research a payday lender as thoroughly as possible. It may be a good idea to research company both with the Better Business Bureau (BBB) and through reviews produced by independent, third-party reviews.

Payday loans offer quick cash for those who need it and, best of all, they are available almost immediately. These types of loans help those who may be faced with life's unexpected events, expenses or are just running short on cash and need a helping hand until the next paycheck rolls in. Whatever the reason, payday loans provide a valuable service and it's important to know what to look for and how to choose the right lender for you.

 



Payday Loans In The News

Morgan Lewis Principal Weighs In On Payday Loan Debate

The Consumer Financial Protection Bureau (CFPB) said earlier in the month that it will look to overhaul a number of payday loan regulations that were put in place in 2017 and were slated to go into ef...

Published:  Mon, 18 Feb 2019 08:08:00 GMT



Our view: Protect borrowers, leave payday loan rules as they are

The practice is just as horrific as it suggests: "predatory lending." Payday lenders are designed to take advantage of those who can least afford to be casual with finances. Anyone with a job ...

Published:  Mon, 18 Feb 2019 18:38:00 GMT



Hamilton's payday lenders decline from 30 to 28, a year after city council's licensing crackdown

There's been a small reduction in the number of payday loan businesses in Hamilton. A report presented to the city's planning committee on Tuesday morning shows 28 outlets were licensed on Jan. 1, 201...

Published:  Tue, 19 Feb 2019 09:30:00 GMT



Brett Kepley | Illinois has limitations on payday loans

Login to shop for Deals and books or to chat. A couple weeks ago, the administration of the 45th president announced it is reversing a regulation devised by the Obama administration on payday lenders ...

Published:  Sun, 17 Feb 2019 05:50:00 GMT



Quick Tip: Payday loans can cost more than expected

Payday loans may sound like an easy fix but they could leave you swimming in debt. Here are some reasons why you need to be more careful than ever: The industry will now have less regulations, so ...

Published:  Sun, 17 Feb 2019 17:11:00 GMT



CFPB bowing to payday loan industry

Despite its name, "Consumer Financial Protection Bureau," this agency seems interested in protecting industry rather than fulfilling its mission. CFPB recently announced their proposal to gut ...

Published:  Sun, 17 Feb 2019 07:45:00 GMT



3 Good Reasons to Use a Payday Loan Service

While using payday loan services is not considered sustainable for the long run, they are a useful part of the financial system in place today. There are situations when asking a friend, family member ...

Published:  Mon, 18 Feb 2019 14:07:00 GMT



New payday loan law is now in effect

COLORADO - Colorado's new payday loans law is now in effect. Voters overwhelmingly backed Proposition 111 during the election last November. The loan interest rate for borrowers is now capped at 36-pe...

Published:  Fri, 01 Feb 2019 20:00:00 GMT



Payday loans offer fast money, but fees and interest leave many Virginians deep in debt

With just a few days to go to pay for her final semester at Norfolk State, Nadeen Williamson decided she'd like to pay the whole bill off at once, rather than do another student loan. After Googling " ...

Published:  Wed, 02 Jan 2019 10:03:00 GMT




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