Is ACE Cash Express Installment Loans the right fit for you?
Last Updated: 09/23/2025
ACE Cash Express Installment Loans
Claimed
in Personal Loans from ACE Cash Express Inc
Last Updated: 09/23/2025
SuperMoney User Recommendation Score -46
Mostly not recommended13 total votes
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Highlights
Community Rating
Mostly not recommended
APR (Fixed APR)
396.53% - 495.76%(Verified 09/23/2025)
Disclaimer popup with additional information
Amount Range
$100 - $2,000
Loan Term (Months)
1 - 3
Number of Reviews
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 .
- Cosigner required. Applicants must have a cosigner to complete an application.
- Short loan terms. ACE Cash Express Installment Loans have loan terms as short as 1 month.
ACE Cash Express Pros & Cons
| Pros | Cons |
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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.
| Personal Loan Amount | $100 - $2000 |
| Loan Term | 1 - 3 months |
| APR | 396.53% - 495.76% |
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.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
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. Note that borrowers can add a cosigner to either meet eligibility requirements or qualify for lower interest rates.
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
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
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| Credit Score | 300 - 640 |
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.
Message from ACE Cash Express
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.
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
SuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -46, or 2.1 on a 5-point rating scale.
-46
-1000+100
No one recommends
Everyone recommends
ACE Cash Express Installment Loans Community Reviews
Would you recommend ACE Cash Express Installment Loans to your friends?
Akinlaja C.
Nov 11, 2023
May or may not recommend
ACE Cash Express Installment Loans are a type of short-term loan that can be used to cover unexpected expenses. However, there are a number of negative aspects to ACE Cash Express Installment Loans that borrowers should be aware of before applying.
ACE Cash Express Installment Loans have short repayment terms, ranging from 6 to 24 months. This can make it difficult for borrowers to repay their loans on time, especially if ...Show More
Sarah D.
Aug 20, 2021
May or may not recommend
I got a loan once with Ace Cash Express and they were very helpful. My payments were managable and I was able to speak with customer service because Ace Cash has many locations across the US, if I needed assistance. They also offer check cashing at their locations for a great rate and give you a debit card!
Maci B.
Jul 14, 2021
May or may not recommend
I would not recommend using this company it's not the best company to loan money from
MS
Michelle S.
Jul 7, 2021
May or may not recommend
Applying for this loan is hit or miss. I had better luck with Best Egg and Lending Club.
SD
Shawn D.
Nov 13, 2019
May or may not recommend
In my Opinion, there is being broke, Thinking you are Broke, Needing Money, and Wanting Money .I woke up the in the morning Only to pray for a Financial Miracle.
I was broke ,hungry and had rent to pay , etc, and not a dime to my name. I went TO ACE, AND PRAYING AT WINDOW That they would help me with some cash.Just like evrybody else does. ...Show More
Anastasia M.
May 22, 2019
May or may not recommend
I only borrowed $400 and I have to pay back over $1200 so no I probably would not refer My friend and I'm still not sure if they even help my credit
MA
Mark A.
Apr 6, 2019
May or may not recommend
usurious loan and they are underhanded getting into your bank account. RUN!!!!
Pablo U.
Jul 19, 2018
May or may not recommend
they are liar to the customer first take all your information and approved next day send you email and said unable to approve you
thay used customer info
Jenn Z.
May 5, 2018
May or may not recommend
My mom applied for a $2000 installment loan with them and signed all the documents she was supposed to. She received an email from a person claiming to work with Ace Cash Express. He said his name was Jeremy Harper but he sounded Indian. He was very rude and impatient with her and told her that he would send a test deposit into her bank account. He did but he ...Show More
U
Anonymous
May 5, 2018
May or may not recommend
Customer service is horrible... went to pay off my loan and their were several customers waiting and only 1 representative working the window... 2nd representative was walking around saw the line and proceeded to make phone calls not answering because the phone was ringing but calling out..... waited 30 minutes to pay my account... will not come back to this location... 165th and Stark Portland Oregon
U
Anonymous
May 5, 2017
May or may not recommend
Yes I'm starting with nothing to have gave to money in my pocket start From the bottom trough the air.
U
Anonymous
Mar 7, 2015
May or may not recommend
Beware that they change their terms and conditions and ways to pay back their loan as they see fit. I paid off my first loan in installments with their installment plan. Then I went to take out another loan and to do the same, and all of the sudden I couldn't do that again. Had to wait 12 months before doing it. What? I'm totally confused.
U
Anonymous
Feb 28, 2015
May or may not recommend
I used to get loans with Ace regularly, over the past few years. I've never had any issues, and paid them off on time and in full. The application process was never a hassle, so when I moved a state over and needed some extra money, I went straight to Ace. I was declined. I asked why, and they would not (or could not) give me an answer. I explained ...Show More
Showing 13 of 13 reviews
5 other reviews that are currently hiddenOther Services by ACE Cash Express Inc
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