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ACE Cash Express Installment Loans

in Personal Loans from ACE Cash Express Inc

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ACE Cash Express Installment Loans

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in Personal Loans from ACE Cash Express Inc

SuperMoney Net Recommendation Score -64% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

Strongly not recommended

1 user recommends
2 users are unsure
8 users don't recommend
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Highlights
Highlights
Community Rating Strongly not recommended
Loan Amount $100 - $2,000
APR  (Fixed APR) 397.87% - 497.58%
Loan Term 1 - 3 months
Number of Reviews 11

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 Installment Loans is available in 5 states across the USA.

Key takeaways

  • Fast access to cash. In some cases you can get your money within 1 business day.
  • Poor credit accepted. Even if you have bad or poor credit, you can apply. Borrowers with a credit score as low as 300 are considered for ACE Cash Express Installment Loans.
  • Small-dollar loans. ACE Cash Express Installment Loans has a maximum loan amount of just $2,000.
  • Hard credit pull required. You can't check your rates or see if you prequalify for ACE Cash Express Installment Loans without a hard pull on your credit report. Most lenders give you the option of a soft pull on you credit report.
  • Cosigner applications accepted. Applying for ACE Cash Express Installment Loans with a cosigner can improve your chances of approval and help you qualify for lower interest rates.
  • Short loan terms. ACE Cash Express Installment Loans offers loan terms as short as 1 month. Most personal loans have a minimum term of 12 to 36 months.

ACE Cash Express Installment Loans Pros and Cons:

Pros Cons
  • $0 prepayment fee.
  • ACE Cash Express Installment Loans does not report to credit bureaus.
  • Considers applicants with poor credit.
  • Fast funding.
  • APRs as high as 497.58%.
  • Charges an origination fee.
  • Short loan terms (maximum of 3 months).
  • Small loan amounts (maximum of $2,000).
  • Do not offer pre-approval with soft credit pull.
  • Charges late fees.

What rates and terms does ACE Cash Express Installment Loans offer?

ACE Cash Express Installment Loans has higher interest rates than the average for lenders reviewed on SuperMoney.

What APR rate does ACE Cash Express Installment Loans offer?

ACE Cash Express Installment Loans offers a fixed APR personal loan product that ranges from 397.87% APR up to 497.58% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

How much can you borrow via ACE Cash Express Installment Loans?

Loan amounts start at $100 and go up to $2,000.

What can a personal loan from ACE Cash Express Installment Loans be used for?

Personal loans from ACE Cash Express Installment Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, unexpected expenses or similar purposes.

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

ACE Cash Express Installment Loans offers personal loans with terms ranging from 1 to 3 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.

ACE Cash Express Installment Loans Rates & Terms
Loan Amount $100 - $2000
Loan Term 1 - 3 months
APR 397.87% - 497.58%

What fees does ACE Cash Express Installment Loans charge?

Does ACE Cash Express Installment Loans charge an origination fee?

ACE Cash Express Installment Loans may charge a loan origination fee.

Does ACE Cash Express Installment Loans charge a late fee?

Yes, ACE Cash Express Installment Loans may charge borrowers a late payment fee

Does ACE Cash Express Installment Loans charge prepayment fees?

No, ACE Cash Express Installment 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.

ACE Cash Express Installment Loans Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

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. ACE Cash Express Installment 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 Installment 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.

U.S. citizens are, of course, eligible for the services offered by ACE Cash Express Installment Loans. Permanent resident / green card holders are also eligible to apply.

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

  • Applicants must have an active and valid checking account
  • Proof of income
  • Driver's license
  • Government issued photo ID
  • Proof of citizenship or residence permit
  • Proof of residence
ACE Cash Express Installment Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? Yes
Application Types Accepted
  • Cosigners
  • Credit Score 300 - 640

    What is the estimated funding time for a personal loan via ACE Cash Express Installment Loans?

    ACE Cash Express Installment Loans will typically approve (or deny) a loan application within 1 hour and fund personal loans within 3 business days of approval.

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    Contact

    • Headquarters
    •   1231 Greenway Drive, Suite 600
      Irving, TX 75038
    •   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 5 states
    • Delaware
    • Missouri
    • New Mexico
    • Ohio
    • Texas

    Feature Breakdown

    No Prepayment Fee  
    Checking Account Required  
    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 Cosigner
    Military Status
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Government Issued Photo ID
    • Proof of Income
    • Proof of Residence
    • Social Security Number
    • U.S. Tax Identification Number
    • Driver License (or other photo ID)
    • Proof of citizenship/residence (Green Card)
    Credit Score Range 300 - 640
    Loan Amount $100 - $2,000
    APR (Fixed APR) 397.87% - 497.58%
    Loan Term 1 - 3 months

    ACE Cash Express Installment Loans Community Reviews

     

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