Need cash – fast? Even savvy-spenders can get into a pinch. If you do, check out ACE Cash Express. You can get approved online without faxing anything and get the money direct deposited. To apply you need a job, a bank account, and your license handy. The site will give you an answer in minutes.

Depending on the state, loans vary from $100 to $1,000. Interest rates vary by state, too, but the site suggests their loans are meant for short-term cash needs, not long term solutions. ACE has 1,802 stores in 38 states including the District of Columbia.

You can also get a pre-paid debit card through ACE that supports breast cancer research. Every time you use the card, ACE donates a portion of the transaction to National Breast Cancer Foundation. Last year they donated $350,000. The card does not have any overdraft fees because you can only spend what you put on the card. Direct deposit onto the card makes it easy to create a budget and stick to it.

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