Even with bad credit, you may be eligible for a payday loan at ACE Cash Express.1 There's no traditional credit check when you apply for a cash advance at ACE, but you will need proof of income and a bank account. For 72 hours, every loan comes with a satisfaction guarantee. Return the loan and pay nothing more within the satisfaction guarantee period! Installment loans at ACE allow you to repay the loan in scheduled payments.1 The ACE Elite™ Prepaid Debit Card may be a great alternative to conventional credit cards. Get paid up to two days faster when direct depositing your payroll check or government benefit check to your prepaid debit card.2 Make online purchases or ATM transactions - use it wherever Visa® debit cards are accepted. You can also pay your bills online with the ACE Elite™ Card.