Apply for a Insta Cash Advantage

About Insta Cash

The term “cash advance” at Insta Cash refers to a short-term loan, also known as a payday loan or payday advance, that, if approved, you may borrow to cover unexpected bills or other emergency expenses before your next payday. When you need money fast — depending on the state where you live

Choose Insta Cash for:

Get started today with our streamlined application process by using the form below. Whether you have a good credit score or a bad credit score, don’t let less-than-perfect credit keep you from applying and seeing how much you may be approved to borrow. Insta Cash is a top short-term lender, and you will receive a decision quickly. 

Benefits of an Online Cash Advance

There are four key benefits when applying for a cash advance at ACE:

Simplified process. Our online application is hassle-free and can be completed in minutes.

Kick back and apply from home. Save the time and expense of going to a local lender.

If approved online, you can get cash instantly on your debit card if eligible, or deposited directly into your bank account the next business day

Risk free. Loans at Insta Cash come with a 72-hour satisfaction guarantee. So if you change your mind, just return the principal within 72 hours and pay nothing more. Insta Cash does not charge a fee to apply.

What Do I Need to Apply for a Cash Advance?


At Insta Cash, we offer a variety of products and services to meet your financial needs. Depending on your state, you may be able to apply for a loan, cash a check, pay bills, or complete a number of other transactions. Our products and services vary by state and location and include:

  • Check cashing
  • MoneyGram money orders and money transfers
  • Bill pay
  • Tax services, including tax refund check cashing and cash withdrawals from cards
  • ATM services
  • Payday loans
  • Installment loans
  • Title loans
  • Debit cards

Anyone is free to apply! We use standard underwriting criteria to determine approval.1 When you complete an application online or in one of our stores, you’ll find out in just a few minutes if you’ve been approved.  

See how to apply for a payday loan.

See how to apply for an installment loan.

Loans not offered in all states or locations. To see what’s available near you, use our Store Locator.


We’re happy to speak with you about your concerns. You can call ACE Customer Service at 877-ACE-CASH or email us at

Instant Funding is funds available in an instant, loaded directly to your debit card account. Just complete your online application, including signing your loan agreement, and if approved for a loan and for instant funding, your loan will be ready for funding after you provide your debit card information. Instant funding may take a few minutes or up to 4 hours to process.2

No more extra trips to deposit cash in the bank, no waiting the next business day for your online loan funds to deposit. With Instant Funding, you can get access to your funds right away.