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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 16 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 1,700 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.
Large Cash Loans, like most of it's competition, touts an easy approval process with no application fees. In most cases the money can be deposited directly into the customer's account within 24 hours. However, they do not advertise "nothing to fax" like many other payday sites, and you may need to fax documentation. Their other pre-qualifications are pretty standard; must be a US citizen at least 18 years old, have an income of at least $1,000 per month, and have an active checking/savings account. As long as these criteria are met, and the loan application is complete, you should be able to get a payday loan/cash advance for up to $1,000.
Large Cash Loans provides a very comprehensive and informative site. For example, there is an entire section entitled "Resources". This section includes information on credit services, credit repair, debt consolidation, bankruptcy, credit cards, mortgages and insurance. Phone numbers and websites are provided for most of these services. Large Cash Loans seems to target a more international market, with references to services in the US, Canada and the UK.
Large Cash Loans also holds security in high regard. They explain at length the security and privacy measures they have taken to keep their customer's information confidential. In today's world of identify theft, this is reassuring to know. Customer Service is available through either a toll-free 1-800 number or by email.
The information provided on their website is helpful and they offer a high limit on loan amounts. We wish they posted their service fees online in a more accessible manner.
To help you find the Best Payday Loans, TopConsumerReviews.com provides you with an in-depth comparison of ACE Cash Express and Large Cash Loans.
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:
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.
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
LONDON, Oct 15 (Reuters) - Britain's financial regulator has fired a warning shot at payday lenders amid a rise in complaints about unaffordable loans and following the collapse of Wonga earlier this ...
Published: Sun, 14 Oct 2018 23:50:00 GMT
Consumer advocates for years have decried payday loans as a costly way to borrow and one that keeps people trapped in a cycle of high-interest debt. The howls of protest could grow louder now than a m...
Published: Thu, 27 Sep 2018 04:36:00 GMT
Robin Jarvis has received funding from ACCA to support the research on Payday Lending and Personal Debt problems in UK society. A another relevant publication authored by Robin Jarvis with Mick McAtee...
Published: Tue, 18 Sep 2018 07:42:00 GMT
U.S. Bank says it will offer nearly instant small loans to its customers, becoming the first bank to provide such a product since federal regulators cleared the way earlier this year amid continuing c...
Published: Tue, 11 Sep 2018 15:02:00 GMT
As the federal government walks back historic regulations on payday lending, Colorado voters this fall will be asked to tighten them -- a sign that strong consumer protections are increasingly being l...
Published: Thu, 30 Aug 2018 12:04:00 GMT
ROCK ISLAND - City council members are considering a limit on the number of payday-loan businesses allowed in the city. Ald. Dylan Parker, 5th Ward, said the idea was discussed during a study session ...
Published: Thu, 16 Aug 2018 18:25:00 GMT
You have an important bill to pay and not enough money to pay for it. A payday loan might be the solution to your problem if you don't mind paying very high interest rates. It's not uncommon for payda...
Published: Thu, 16 Aug 2018 01:20:00 GMT
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