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  ACE Cash Express Title Loans

ACE Cash Express Title Loans

in Auto Title Loans from ACE Cash Express Inc

Unaffiliated

ACE Cash Express Title Loans

Unaffiliated

in Auto Title Loans from ACE Cash Express Inc

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Highlights
Highlights
Community Rating Strongly recommended
Loan Amount $100 - $5,000
APR  (Fixed APR) 152.08% - 890.4%
Credit Score Range 300 - 640

ACE Cash Express Title Loans Review

ACE Cash Express Title Loans is offered by ACE Cash Express Inc, a direct lender founded in 1968 and based in Irving, TX. ACE Cash Express Title Loans is offered in 8 states across the USA.

What rates does ACE Cash Express Title Loans charge?

ACE Cash Express Title Loans offers auto title loans with a fixed APR that ranges from 152.08% up to 890.4%.

Does ACE Cash Express Title Loans charge an origination fee?

Yes, ACE Cash Express Title Loans charges a loan origination fee.

Does ACE Cash Express Title Loans charge a late fee?

Yes, ACE Cash Express Title Loans charges borrowers a late payment fee.

Does ACE Cash Express Title Loans charge prepayment fees?

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

How much can you borrow from ACE Cash Express Title Loans?

Loan amounts start at $100 and go up to $5,000.

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

ACE Cash Express Title Loans offers auto title loans with a maximum term of 12 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

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

To qualify for a loan, you must have a clean title of your vehicle. In other words, you must be the undisputed owner of the vehicle. You can't have any liens or levies from creditors or other parties on your vehicle's title. Don't worry, there are other lenders who will consider borrowers who don't have a clean title.

Applicants with a credit score of at least 300 and up to 640 are eligible for ACE Cash Express Title Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

ACE Cash Express Title Loans does not have or does not disclose a minimum annual income eligibility requirement. ACE Cash Express Title Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. APRs for the ACE Cash Express Title Loans product fall outside of the MLA limits and as a result the product cannot be issued to these applicants. Active duty service members and their covered dependents are considered “covered borrowers" under the Military Lending Act.

Only U.S. citizens and permanent residents can apply for a loan.

To qualify, applicants may need to provide the following documentation:

  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for an auto title loan via ACE Cash Express Title Loans?

ACE Cash Express Title Loans will typically provide a credit approval decision in less than an hour and fund the loan within 0 and 1 business days.

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Contact

  • Headquarters
  •   1231 Greenway Drive, Suite 600
    Irving, TX 75038 USA
  •   Visit Site

Other Services by ACE Cash Express Inc

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 8 states
  • Arizona
  • Georgia
  • Louisiana
  • New Mexico
  • Ohio
  • Oregon
  • Tennessee
  • Texas

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 300 - 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Vehicle Requirements
  • Clear Title
  • Vehicle Paid Off
Maximum Vehicle Age 25
Clean Title Required  
Military Status
  • Non-Military
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Joint Loan Applications Accepted
  • Cosigner
Verification Documents Required
  • Proof of Income
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
Loan Amount $100 - $5K
Loan Term Up to 12
APR (Fixed APR) 152.08% - 890.4%

ACE Cash Express Title Loans Community Reviews

 
 

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