At ACE Cash Express you can apply for payday loans, money transfers, tax refund checks, pre-paid debit cards, check cashing, title loans, direct deposits, auto insurance, bill payments and gold buying. The requirement is that you have a job and a bank account. Every loan comes with a 48-hour satisfaction guarantee, meaning if change your mind about your loan within 48 hours, you can return it at no charge. This Ballwin location also offers an ATM and money orders.