If you’re looking to cover back-to-school expenses or unexpected costs, ACE Cash Express might be an appealing option. Right now, those who apply have a chance to win a $200 Target gift card, which can help stretch your budget for necessary supplies.

ACE Cash Express offers short-term payday loans and installment loans. Payday loans are due in full on your next payday, while installment loans let you repay over scheduled payments. Exact loan terms and interest rates may vary by location, but there are no application fees, and applying does not affect your FICO® Score.

How to Apply for a Loan with ACE Cash Express

Getting started with ACE Cash Express is simple. Choose your state, enter your information, and select the loan type you prefer.

Complete the online application form by providing your name, state, and email address. Add any additional information requested.

After submitting your application, ACE reviews your eligibility using standard underwriting criteria, even if your credit isn’t perfect.

If approved, you may receive instant funding directly to your debit card where applicable, making it convenient for urgent needs.

Successful completion of an application enters you into the drawing for the $200 Target gift card.

Key Pros of ACE Cash Express

One major benefit is the instant funding option. When available, you can access cash in minutes after approval directly on your debit card.

No application fees are charged for payday, installment, or title loans, reducing out-of-pocket costs for borrowers.

Cons to Consider

Loan terms and availability will vary by state, which may limit your borrowing options depending on location.

Interest rates for payday and installment loans can be higher than traditional loans, so it’s best for short-term needs only.

Final Verdict

ACE Cash Express is a solid choice for those needing fast cash solutions, especially with the added incentive of the Target gift card promotion. Application is straightforward, and flexible repayment options are available. Borrowers should always consider their ability to repay before committing.