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Last Updated: 09/23/2025

ACE Cash Express Installment Loans

in Personal Loans from ACE Cash Express Inc

Last Updated: 09/23/2025

Created by:

created by author logoSuperMoney

Fact Checked by:

fact checked by author logoAndrew Latham
ACE Cash Express Installment Loans logo
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Mostly not recommended13 total votes
2 users recommend
3 users are unsure
8 users don't recommend
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Highlights

Community Rating

Mostly not recommended

APR (Fixed APR)

396.53% - 495.76%(Verified 09/23/2025)
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Amount Range

$100 - $2,000

Loan Term (Months)

1 - 3

Number of Reviews

13

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ACE Cash Express Installment Loans Review

ACE Cash Express Installment Loans is offered by ACE Cash Express Inc, a direct lender founded in 1968 and based in Irving, TX. ACE Cash Express are available in 4 states.

Key Takeaways

  • APRs starting at 396.53%. Personal loan interest rates typically range between 9% and 36%. The starting rates for ACE Cash Express Installment Loans are on the higher end of the spectrum.
  • Fast access to funds. If approved, you can sometimes get your money within 1 business day*.
  • Small-dollar loans. ACE Cash Express Installment Loans has a maximum loan amount of just $2,000 .
  • Short loan terms. ACE Cash Express Installment Loans have loan terms as short as 1 month.

ACE Cash Express Pros & Cons

ACE Cash Express FAQ

What interest rates and personal loan terms does ACE Cash Express offer?

ACE Cash Express has higher than average interest rates for lenders reviewed on SuperMoney.

What interest rates does ACE Cash Express offer?

ACE Cash Express offers a fixed APR personal loan product that ranges from 396.53% APR up to 495.76% APR.

How much can you borrow via ACE Cash Express?

Personal loan amounts start at $100 and go up to $2,000

What is the maximum loan term you can get with ACE Cash Express?

ACE Cash Express offers loans with terms of up to 3 months.

What fees does ACE Cash Express charge?

Does ACE Cash Express charge an origination fee?

ACE Cash Express may charge a personal loan origination fee .

Does ACE Cash Express charge a late fee?

ACE Cash Express does not disclose whether it charges late payment fees.

Does ACE Cash Express charge prepayment fees?

No, ACE Cash Express does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.

What do you need to qualify for ACE Cash Express Installment Loans?

The minimum age to be eligible is 18 or the state minimum, whichever is higher.
ACE Cash Express Installment Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by ACE Cash Express Installment Loans.
To qualify, applicants may need to provide the following documentation:
  • Applicants must have an active and valid personal checking account
  • Proof of income
  • Driver's license or other government photo ID
  • Government issued photo ID
  • Proof of citizenship or residence permit
  • Proof of residence
  • U.S. tax identification number

What is the estimated funding time for a personal loan via ACE Cash Express?

ACE Cash Express will typically fund loans within 1 to 3 business days of approval and clearing necessary verifications.

Does ACE Cash Express Inc perform a hard credit pull?

Yes, ACE Cash Express performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

Are ACE Cash Express Installment Loans legit?

Ace Cash Express was founded in 1968, it is a well-established company that has been in business for 58 years. ACE Cash Express Installment Loans is mostly not recommended by SuperMoney community users.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

ACE Cash Express Installment Loans logo

Message from ACE Cash Express

At ACE, we make it easy to get access to financial services you need when it matters. We offer a broad range of financial products and services, including short-term loans, card services, check cashing, money transfers, bill payments, and money orders. Since 1968, we’ve been here to help you create a better financial future. Traditional banks aren’t the only way to manage your finances. ACE knows that money is a very personal topic—and the way you manage it is up to you. You may choose to avoid traditional banks, credit unions, and other similar financial institutions entirely or you might choose to use a mixture of traditional and alternative financial service providers.

Payday loans at ACE are a simple, fast, and dependable way to apply for cash as soon as you need it. You can use a payday loan, sometimes called a cash advance, to help pay for emergencies and other unexpected expenses. At ACE you can apply for what you need right now and pay it back on your next payday. Depending on your state, you may be able to visit a store or apply online to get started. If approved, depending on your state, you may be able to take home cash today in-store, or have the money deposited into your bank overnight.

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Message from our editor

What we love about ACE Cash Express Loans personal loan

ACE Cash Express loans give people with poor credit a chance to get a loan. Their flexible eligibility requirements can be a lifeline for borrowers who don't qualify for loans with lenders that only consider people with a good credit history. ACE Cash Express offers both payday loans and installment loans, which can help borrowers budget better because they have regular and predictable payments.

What could ACE Cash Express Loans do better?

The fees and interest rates charged by ACE Cash Express loans are extremely high. To make things worse the cost of borrowing with ACE Cash Express is not as clear as it could be when you are checking their website.

Ace Cash Express Loans's backstory

ACE Cash Express, Inc. is a leading financial services provider, specializing in short-term consumer loans, bill pay, and prepaid debit card services, as well as the largest owner-operator of check cashing stores in the United States. The first store opened in Denver, Colorado in 1968 as a way to offer basic financial services that emphasized convenience and service. The growing chain was purchased by The Associates: a diverse financial services company headquartered in Irving, Texas.

The Verdict

ACE Cash Express provides a wide selection of lending options to people with less than great credit scores. However, this company specializes in payday and short-term installment loans, which have high interest rates. Only consider lenders with interest rates as high as ACE Cash Express when you are sure you don't qualify for better alternatives.

Contact

Headquarters

1231 Greenway Drive, Suite 600
Irving, TX 75038
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Hours of Operation

Sunday
10:30AM - 7:00PM
Monday
8:00AM - 7:00PM
Tuesday
8:00AM - 7:00PM
Wednesday
8:00AM - 7:00PM
Thursday
8:00AM - 7:00PM
Friday
8:00AM - 7:00PM
Saturday
10:30AM - 7:00PM

Other Services by ACE Cash Express Inc