ACE Cash Express is a financial services retailer based in Irving, Texas, with over 1,400 locations throughout the United States. ACE is the largest owner-operator of check cashing stores in the United States and has been in business since 1968. Although payday loans and check cashing are its main products, it also provides title loans.

How Does ACE Cash Express Title Loans Work?

ACE Cash Express offers title loans in Arizona, Georgia, Louisiana, New Mexico, Ohio, Oregon, Tennessee, and Texas. Loan amounts range from $100 to $5,000 depending on the state.

To qualify you must be on the title of the vehicle and have no other liens on it. Although you don't need to be employed, you must have a source of income that allows you to repay the loan's payments. 

What Are ACE Cash Express' APR?

APRs vary widely depending on how much you borrow and where you live because lending laws vary by state.

How Much Money Can I Borrow from ACE Cash Express?

Loan amounts range from $100 to $5,000 depending on the type of loan and your state.

Which States Does ACE Cash Express Operate In?

ACE Cash Express operates in Arizona, California, Delaware, Georgia, Louisiana, Missouri, New Mexico, Ohio, Oregon, South Dakota, Tennessee and Texas.

What Is ACE Cash Express Application Process Like?

The application process is fast, even for an online lender. Fill in a short application form and you will receive a reply to your loan request instantly. The entire process is done electronically without the need for faxing or mailing documents. There is no application fee and funds are usually deposited within 24 hours.

How Is ACE Cash Express Better Than Other Lenders?

ACE Cash Express offers fast loans to people with bad or no credit. It has over 45 years' experience, more than 1,400 locations in the United States, and is fully licensed in the seven states it operates. Applicants know whether they qualify for a loan instantly and the rates schedule is clearly stated on the website. Payments can be made through bank transfers and applicants who change their mind can cancel a loan within 48 to 72 hours without being charged any interest or fees.

  • Max Loan Term (Months)
  • Institution Type
    Direct Lender
  • Clean Title Required
  • Credit Score Range
    300 - 640
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Maximum Vehicle Age
  • Military Status
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Vehicle Requirements
    • Clear title
    • Vehicle paid off
  • Verification Documents Required?
    • Proof of Income
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Funding Time Range (in days)
    Up to 1
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Storefront
  • Loan Amount
    $100 - $5000
  • APR
    152.08% - 890.4%
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