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Hassle Free Application Process unsecured loans for 18 year olds If you need a small personal loan, rest assured that you can get up to $1000 in 24 hours to 48 hours depending on your location. Bad credit, bankruptcy, foreclosure or no credit history is not a problem. Simply meet our loan application requirements and get a fast loan. 1. Loans in Minnesota made by ACE Minnesota Corp. ACE Cash Express, Inc. is licensed pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. Loans in Ohio arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is a licensee under the Alabama Small Loan Act. Not all consumers will qualify for a loan or for the maximum loan amount. All loans subject to approval pursuant to standard underwriting criteria. Terms and conditions apply. Payday loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.