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, title loans, auto insurance and prepaid debt cards.

How Does ACE Cash Work Express?

ACE Cash Express offers installment loans of up to 9 months, depending on which state you live in. The application form can be filled in online and approval (or denial) is instant. ACE acts as a direct lender in all states except Texas and Ohio where it matches applicants to lenders within its database for a commission.

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 Work Express Interest Rates?

Interest rates vary widely depending on how much you borrow and where you live because lending laws vary widely by state. The interest rates range from 211% to 890.40% APR. To illustrate, the interest on a $2,500 loan in California can be as “low” as 211.03% APR, while a $1,100 loan in Delaware costs up to 497.61% APR, and a 112-day $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 Work Express?

Loan amounts range from $200 to $2,500. California is the only state where $2,500 loans are available. In the rest of the states where ACE Cash Express operates the maximum amount is $2,000.

Which States Does ACE Cash Work Express Operate In?

ACE Cash Express operates in Delaware, Missouri, New Mexico, Ohio, South Dakota, Texas and California.

What Is ACE Cash Work 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 Work 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 interest 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.

  • Credit bureau reporting
  • Interest APR
    211% - 890%
  • Joint loans available
  • Loan Amount
    $200 - $2000
  • No late fees
  • Max Loan Term (Months)
  • Lend to military?
  • Institution Type
    Direct Lender
  • Approval Speed (Hours)
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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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