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.

  • Loan Amount
    $200 - $5000
  • Payment Options
    • Automatic Payments
    • Credit/Debit Card
    • Storefront
  • APR
    209.62% - 890.4%
  • Max Loan Term (Months)
  • Checking Account Required?
  • Credit Score Range
    300 - 640
  • Immigration Status Considered
    U.S. Permanent Resident
  • Military Status
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
  • Verification Documents Required?
    Driver license (or other photo ID)
  • No Prepayment Fee
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
  • Joint Loans Available
  • Funding Time
    Next business day
  • Credit Bureau Reporting
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0 votes

Yes I'm starting with nothing to have gave to money in my pocket start From the bottom trough the air.

0 votes

If possible, I would give them a negative 100. They are the WORST company to deal with EVER!!!!!!! I needed to refinance my loan because i wasn't ready to make my payment, so I went online to do so like the email instructed. Their website makes no sense whatsoever and is not user friendly at all. I tried to select the option for me to pay the minimum possible and was not sure if I had done it correctly or not. I called in to their customer service line ... and spoke with a representative. I informed her what I needed and that I was not sure if I had done the request correctly or not. She explained that I had done it correctly (after asking if I wanted to refinance or to extend, i said i wanted to do whichever got me to make the payment next month and not the next day, she said this was to refinance, which is what i had done) and I didn't need to worry. She stated all that would be taken where service fees, which would be between $150-$200. And I asked her AGAIN if she was sure it was all completed and done correctly and if there was nothing I needed to do further, and she assured me that it was all taken care of. Well, next day what do you know? The full loan amount and service fees where deducted from my account. It didn't cause a overdraft, but it left me with nothing to pay other bills I needed to pay. Obviously I called immediately to rectify this only to get another rep who says there is nothing that can be done since the loan was paid in full. Excuse me but is it my fault your company messed up? NO! She was not sympathetic or apologetic in the least minimal bit. She had an attitude that reflected she could care LESS for the misfortunes her peer had caused me. She informed me I had called to cancel the refinance and that I hung up on the rep. I DID NO SUCH THING!!! I informed her this was incorrect and her response was that this was what was notated by that same rep. I am telling you she screwed up my account and you are going to call me a liar and say that your coworker could not have possibly messed up?? How DARE you??!!!! I requested a supervisor and she essentially said the same thing as the previous rep. The only thing she did different was give me an email to submit my grievance where I could POSSIBLY get this corrected. POSSIBLY?!!!! After the terrible customer service I have received every step of the way??? And why did your rep not offer that email to me??? I understand there are certain things Supervisors can do that regular reps can't do, but providing an email address is not one of them. WHY DOES YOUR COMPANY AND REPS NOT DO ANYTHING TO ASSIST CUSTOMERS THEY HAVE SCREWED OVER??!!!!! I sent the email and they said they would refund any OverDraft fees i received and asked me to verify my account. I have verified it several times and they keep asking me to do it again, but I am not asking for OD fees back, I'm asking for the loan amount to be reversed!!! How hard is this to do???? I did not mess up in ANY way. They can pull up my recorded phone call and CLEARLY see what has been done incorrectly by their reps. Explain again why I have to pay for their mistakes??? I've never had such a TERRIBLE experience with a loan company such as this one. DO NOT GET A LOAN FROM HERE!!!!! THEY WILL SCREW YOU OVER AND NOT CARE WHEN THEY MESS UP AND YOU HAVE TO PAY FOR THEIR MISTAKES!!!!! WORST CUSTOMER SERVICE IN THE ENTIRE WORLD!!!!! More Less

1 votes

I have been able to get people on the phone to help me, unlike some reviews I've read, but they usually make no sense, and they contradict each other. With that being said, I almost wish they wouldn't answer the phone. I want to make sure I pay off my loan right, because I've had loans with other lenders and didn't follow the rules and paid the price. Hopefully someone will give me a straight answer some day!

0 votes

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 that my previous accounts with Ace were in good standing, but they just said they couldn't change anything.

0 votes

I've used Ace before for personal loans, and haven't had an issue. But about a year ago, my then-boyfriend took about a loan for about $200, and apparently, put me down as a reference. A month or so later, we ended up splitting. Even after explaining to them that we are no longer together and that I didn't see any of that money, they continuously called trying to collect their fees. I did a little research and concluded that I am not responsible for that debt, since he signed for ... it alone. Alas, after almost a year, I still receive the occasional harassing phone call that I just ignore. I wish this never happened, since I can no longer use Ace (when they were my main financial institution for years). More Less

0 votes

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.

0 votes

I have no idea how I got so broke, but I did. Ace Cash Express helped me pull myself off the ground by giving me money at a reasonable interest rate that I was able to use to catch up on bills and then sit down and make a plan of action that I think will work. Thanks Ace Cash Express! You have saved my life!

0 votes

First of all, there are many fraudulent companies posing as Ace, and that has given them, unfortunately, a bad name. My experience with them was okay. Customer service was mediocre and the interest was high. I did get the loan, though.

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