ACE Cash Express Loans Reviews
12 Min Read
Reviewed by Latoria Williams - In a nutshell
- What is ACE Cash Express?
- Product details
- ACE Cash Express loan rates & terms
- How does an ACE Cash Express loan process work?
- What payment options do they offer?
- Is ACE Cash Express legit?
- What customers say about ACE Cash Express
- What are ACE Cash Express alternatives?
- Before you apply for a short-term loan
- FAQ
In a Nutshell
ACE Cash Express can be a smart choice for borrowers with less-than-perfect scores and people who need a small loan quickly. The company offers payday, installment, and title loans and consistently earns high ratings on Trustpilot. Although ACE has over 925 locations across the US, its loan products are not available in all states. Borrowers with good credit might also find ACE’s interest rates and fees quite high.
Pros:
- Easy online applications
- Fast approval decisions
- Instant deposits on a debit card are available
- Multiple physical stores to apply in person
- Applying doesn’t affect your credit score
Cons:
- Certain loans are not available in all states
- High interest rates and fees
- Past illegal collection tactics
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What Is ACE Cash Express?
ACE Cash Express is a legitimate company that has been providing fast and accessible financial services across the US since 1968. It offers payday, title, and installment loans, along with check cashing, money orders, bill payments, and ATM services. The company operates both online and in-store and has over 925 locations in 21 states and the District of Columbia.
ACE is known for providing financing to people with any credit background with no impact on their FICO ratings. However, the company has high APRs and fees, making its loans an option for emergency situations only.
Product Details
Here’s what you can expect from ACE Cash Express loans:
| Feature | ACE Cash Express Terms |
|---|---|
| Loan Amount | Payday loans: $100 – $1,000 Installment loans: $100 – $2,500 Title loans: $100 – $5,000 |
| Repayment Periods | Vary by state and loan type |
| Loan Security | Unsecured: payday and installment loans Secured: title loans |
| Funding Times | Instant, same-day, or next-day funding, depending on the method |
| Costs | Vary by state and loan type |
| Eligibility Criteria | 18+ years old, steady source of income, US resident, bank account or a debit card, no current bankruptcies |
ACE Cash Express Loan Rates & Terms
The company’s rates and terms vary significantly depending on the state and the loan type. Average payday loan APRs may range from 153.65% in Oregon to 769.10% in Louisiana. Installment loan interest rates start at 122.40% in Florida and may reach 570.11% in Texas. Title loans come with APRs between 153.65% and 202.80%. Visit the ACE Cash Express website and review the specific costs applicable in your state.
How Does an ACE Cash Express Loan Process Work?
To get started, you need to visit the company’s website, select your state, and hit the “Apply Now” button. Then, you will be redirected to a secure loan request form. Here are the steps to take next:
- Complete the form. Enter your personal and contact details, ID, Social Security number, bank account and routing numbers, and your income and employment information.
- Get approved. Once you submit a form, ACE Cash Express may perform a credit check via non-traditional credit reporting agencies. The process is fast and doesn’t affect your credit. You will receive an approval decision in minutes.
- Sign the documents. If approved, the company will provide you with the documents that outline all the terms of the loan. Read them carefully, ask questions if something is unclear, and e-sign if you agree.
- Get the fund. The money will be deposited either in your eligible debit card or bank account. The process typically takes 1 business day, with instant funding available for debit card transfers.
What Payment Options Do They Offer?
ACE Cash Express allows you to repay your loan in 4 common ways:
- Set up automatic payments.
- Repay at www.myacepayments.com.
- Pay over the phone 24/7 by calling (866) 728-1808.
- Visit one of the ACE stores and make a payment in person.
For installment loans, you can also mail in a check to the address below:
300 E. John Carpenter Fwy., Ste. 900
Irving, TX 75062.
Is ACE Cash Express Legit?
ACE Cash Express is a legit Texas-based company with 55+ years in the industry. ACE is a member of the Financial Services Centers of America (FISCA) and the United States Hispanic Chamber of Commerce (USHCC). In 2004, the company launched its corporate giving program called ACE Community Fund. Since that time, it has donated more than $20 million to communities in need.
The company’s website uses modern security protocols and certificates to protect your sensitive data and has an industry-standard privacy policy. However, the Consumer Financial Protection Bureau (CFPB) took enforcement action against ACE in 2014 due to its use of illegal collection tactics. The company was exposed for encouraging customers with overdue accounts to borrow again and take on more debt.
In 2022, the CFPB sued ACE, alleging the company had illegally withdrawn funds and concealed free repayment options from borrowers.
What Customers Say About ACE Cash Express
ACE Cash Express has high ratings on Trustpilot and ConsumerAffairs. Many customers praise the professional and friendly staff, as well as the excellent customer service they receive. However, people also mention high interest rates, check-cashing problems, and money deposits to another individual’s name and account. Here are the company’s ratings on the trusted customer review platforms:
| Platform | Rating (out of 5) | Number of Reviews (as of September 2025) |
|---|---|---|
 |
4.7 | 10,824 |
 |
1.64 | 25 |
 |
2.8 | 583 |
 |
4.1 | 435 |
 |
3.5 | 610 |
What Are ACE Cash Express Alternatives?
ACE Cash Express products may not suit everyone due to their high APRs, small amounts, and limited availability. Luckily, there are multiple companies that offer payday loans and alternatives. Here’s how ACE compares to other services:
| Company | Loan Amounts | APRs | Repayment Terms | Minimum Credit Score | Funding Times | Loan Availability |
|---|---|---|---|---|---|---|
| ACE Cash Express | $100 – $5,000 | 122.40% – 769.10% | 14 – 180 days | None | Instant, same-day, or next-day funding | 11 states |
| Wise Loans | $200 – $1,500 (up to $3,500 for repeated borrowers) | 299.96% – 799.00% | Up to 180 days | None | Same-day or next-day funding | 9 states |
| Spotloan | Up to $800 (up to $1,500 for repeated borrowers) | 99.00% – 490.00% | Up to 10 months | None | Up to 2 business days | 39 states |
| Moneytree | $100 – $5,000 | 363.48% – 482.32% | 14 days – 12 months | None | Instant, same-day, or next-day funding | 5 states |
Before You Apply for a Short-Term Loan
Payday, installment, and title loans often come with high APRs and fees. This, along with their short repayment terms, may trap you in a cycle of debt. Use short-term loans only for emergencies and consider alternatives first. Here are a few options you can turn to:
- Government assistance. Call 211 or visit your state social service agency to get assistance with necessities like food, rent, utilities, childcare, or healthcare.
- Nonprofits and charities. Churches, religious organizations, and other local nonprofits may assist needy individuals by offering direct aid, grants, donations, or various services.
- Payment plans. If you need help with overdue bills, contact the service provider directly to negotiate a flexible payment plan.
- Family or friends. Borrow money from your loved ones to avoid interest and get a repayment period that is convenient to you. Make sure you can meet the deadline so as not to ruin the relationship.
If a short-term loan is your only option, ensure you can repay the requested amount on time. Avoid rollovers and renewals, as they involve extra fees that make your loan even more difficult to repay.
Before taking out a loan, verify that you are dealing with a legitimate lender by checking its licensing information and customer reviews. Read the terms carefully and make sure you understand them before signing. Do not enter deals that require upfront payments, promise guaranteed approval, or advertise very low interest rates, as these are signals of scams.
FAQ
Is ACE Cash Express available in my state?
It depends on the kind of service you need. ACE Cash Express offers online and/or in-store payday loans in California, Idaho, Kansas, Louisiana, and Texas. Installment loans are available online in Delaware, Florida, Missouri, and Texas. In-store title loans are provided in Arizona, Oregon, and Texas (with some restrictions). If you need other financial services, ACE Cash Express has physical locations in Arizona, Arkansas, California, Colorado, the District of Columbia, Florida, Georgia, Indiana, Kansas, Louisiana, Maryland, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
Does ACE Cash Express check credit?
According to the company’s website, ACE performs soft credit checks via alternative credit reporting agencies. This means that applying for its loans will not affect your FICO score.
Can I cancel my loan after I’m approved?
ACE Cash Express allows you to cancel your loan within 72 hours without incurring any penalties. If you change your mind, send an email to [email protected] with a request to cancel your contract or call (866) 223-2274. For in-store loans, you need to visit the location where the loan originated. In both cases, you will need to pay back the amount advanced.
What is the maximum amount I can borrow?
The company offers payday loans of up to $1,000, installment loans of up to $2,500, and title loans with a maximum amount of $5,000. However, the exact amount you can get depends on your state and income. Not all options are available in every state.
How fast can I get the money?
ACE offers funding within 30 minutes for borrowers who hold eligible debit cards. If you receive the money via a bank transfer, you will get it overnight. Applicants in some states may also choose same-day cash pick-up.
What if I can’t repay my loan on time?
On the due date, the company will attempt to collect payments directly from your bank account. If you have insufficient funds, ACE will charge you a return or overdraft fee in an amount that depends on how much you owe. In some states, ACE Cash Express offers payment plans or refinancing. If you apply at a store, contact the location directly to learn more about your options. For online loans, call (866) 355-6815.
Is ACE Cash Express legit, given past regulatory actions?
ACE Cash Express is a legitimate loan provider that is licensed to operate in the states where it provides its services. The company follows all the local laws and regulations and protects your data using industry-standard security protocols. However, its interest rates can be quite high, which may drive you into a debt spiral.
How do I contact ACE Cash Express customer service?
If you have any questions regarding online products, contact ACE representatives at (866) 223-2274 or email them at [email protected]. For more information about in-store services or other inquiries, call (877) 223-2274 or send an email to [email protected]. You can also visit one of the ACE’s stores and talk to the loan officers in person.
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