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 installment loans.

How Does ACE Cash Express?

ACE Cash Express offers title and installment loans up to 6 months, depending on which state you live in. The application form can be filled in online and approval (or denial) is instant.

The eligibility requirements are minimal. You only need a bank account that has been open for at least a month, a valid telephone number and proof of your identity, place of residence and income. If approved, your money is deposited within one business day.

What Are ACE Cash Express' Rates and Fees?

Rates vary widely depending on how much you borrow and where you live because lending laws vary widely by state. The rates range from 209.27% APR to 890.40% APR. To illustrate, the rate on a $2,600 loan in California can be as “low” as 209.27% APR, while a $1,100 loan in Delaware costs up to 497.61% APR, and a $1,100 loan in Texas could climb up to 890.40% APR.

ACE provides a discount to clients willing to set up a recurring payment authorization with their bank. For example, a $400 loan in Texas will cost 477.19% APR with a recurring payment authorization and 890.38% APR without one.

How Much Money Can I Borrow from ACE Cash Express?

Loan amounts range from $200 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.

  • Bank Account 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. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Age
  • Verification Documents Required?
    Driver License (or other photo ID)
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 3
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Credit/Debit Card
    • Storefront
  • Loan Amount
    $200 - $5000
  • APR
    209.62% - 890.4%
  • Max Loan Term (Months)
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