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Lender
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

5.0

Ace Cash Express

Finanso.Multilogin™

About lender

ACE Cash Express lending company was established in 1968, and today it occupies a leading niche in the US financial services market. This licensed lender specializes in short-term consumer loans, bill payments, and prepaid debit card services. The company owns a vast network of check cashing stores in the United States. The head office of the ACE Cash Express is located in Irving, Texas.

Pros and cons

If you face financial hardship, you can send an application for a loan to ACE Cash Express to get back on track. Before you start, get to know the main advantages and disadvantages of the ACE Cash Express lending service.

Pros

  1. Zero prepayment fee for ACE Cash Express loan.
  2. Working with business consumers with bad and fair credit.
  3. Funds are available within three business days.
  4. Cosigners are allowed.
  5. Excellent real customers’ reviews.

Cons

  1. APR is up to 661%.
  2. An origination fee.
  3. Hidden rates and terms.

Loan conditions

As a rule, the company approves or rejects an application for a loan within one hour and finance loans within three business days from approval. Even people with a poor credit history can apply for credit approval from the ACE Cash Express. Their flexible qualification requirements can be suitable for borrowers not qualifying for loans from lenders who provide services only for customers with a good credit history. ACE Cash Express offers alternatives - both payday and installment loans, which can help borrowers better manage current payments.

Unordered List

    Online installment loan amount vary by state:
  • Delaware: $100 - $2,000.
  • Florida: $100 - $1,000.
  • Missouri: $100 - $2,000.
  • New Mexico: $100 - $2,000.
  • Texas: $100 - $2,000.

In-store installment loan amount vary by state

  • Colorado: $100 - $1,000.
  • Florida: $100 - $1,000.
  • Louisiana: $400 - $700.
  • Missouri: $100 - $2,000.
  • New Mexico: $100 - $2,000.
  • Ohio: $100 - $1,000.
  • Oklahoma: $50 - $700.
  • Texas: $100 - $2,000 (installment loans not available in Austin or Dallas).
  • Virginia: $100 - $1,000.

Online payday loan amount vary by state

  • California: $100 - $255.
  • Idaho: $100 - $1,000.
  • Kansas: $100 - $500.
  • Louisiana: $100 - $300.
  • Minnesota: $100 - $500.
  • Texas: $100 - $1,500.

In-store payday loan amount vary by state

  • California: $100 - $255.
  • Florida: $100 - $500.
  • Indiana: $50 - $660.
  • Kansas: $100 - $500.
  • Louisiana: $100 - $300.
  • Minnesota: $100 - $500.
  • Missouri: $100 - $500.
  • Oregon: $100 - $300.
  • South Carolina: $100 - $550.
  • Tennessee: $100 - $425.

Note! And remember that applying for a loan with ACE does not affect your credit score.

Funding a loan

If you decide to get a loan with ACE Cash Express, you need to learn the funding process to ensure you get a loan exactly when you need it. After approval, the lender will deposit your funds by direct deposit the next business day, or you may get cash in-store if it is available in your state.

Additional services

Cards services

ACE Cash Express offers prepaid cards to its clients - the ACE Elite Visa Prepaid Debit Card for a directly deposited Tax refund. You will get your refund remarkably quicker than with the paper check with this card. You may also get the Pink ACE Elite Visa Prepaid Debit Card to support women struggling with breast cancer.

In addition, you can open the Flare Account by Metabank with ACE. The Elite card offers lucrative options for your money management needs, and the Flare could be a great option if you're looking for more robust banking services.

Money services

ACE Cash Express offers different financial products that vary by US state. These services have already gained a reputation.

Check cashing

The first convenient money service from the company is check cashing. You can quickly and safely cash your check of any kind, and you only need to provide a valid, government-issued ID to carry out that procedure. You can visit a local ACE check-cashing unit up to date.

Tax services

Do you want to get a refund for the taxes you've paid? You only need to visit your local ACE Cash Express branch to get started. The company offers tax return services and always has enough money in-store to get your tax refund there. Also, you may get your tax refund with your CE Elite Visa Prepaid Debit Card.

Bill pay

You are free to pay your bills for utilities, cell phone, cable TV, or insurance with the ACE Bill pay service. You can even make online bill payments for stores like Kohl's, Macy's, etc. You can pay your bill in the ACE store or with MoneyGram's online bill pay service. To pay in a store, you need to provide a bill, payment method, and photo ID.

Money transfers

With the ACE Cash Express money transfer service, you will send money anywhere in the USA and make international money transfers in more than 200 countries worldwide. All transfers carried out by the company are reliable, so when you send the money, you can ensure the recipient will get the funds safe and fast.

Title loans

ACE Cash Express offers car title loans and motorcycle title loans. In such loans, the vehicle is used as collateral for the loan. The car title loan (or motorcycle type) amount may differ, and it all depends on the specific state. Before applying, you should ensure your ability to repay. The title loans are available in Arizona, Louisiana, Oregon, Tennessee, and Texas.

Money orders

Your local ACE Cash Express store offers the Money orders service. A money order is a reliable way to send money without cash. Also, with ACE, you can cash your MoneyGram domestic money orders. The money order is a widely accepted form of payment, and you will get a money order receipt of your transaction, which is entirely traceable.

ATM

You can easily make cash withdrawals via ATM services of ACE Cash Express financial institution. The main con of ACE ATM is withdrawals with $5 increment, while most ATMs allow only $20 increment so that you can get a wide range of cash amounts with ACE.

FAQ

What is ACE Cash Express?

ACE Cash Express company provides a wide range of lending options to consumers with less than fair credit scores. The company specializes in payday lending and short-term installment loans.

What time does ACE Cash Express open?

ACE Cash Express opens at 8:00 am Monday to Friday and is also open for business clients on Saturdays at 9:00 am, and 10:00 am on Sundays.

What time does ACE Cash Express close?

ACE Cash Express locations are open six days a week. ACE Cash Express closes at 8:00 pm, except Saturdays when they close at 6:00 pm. Besides, ACE Cash Express is available on Sundays until 3:00 pm. These locations close later in the evening to allow customers ample opportunity to benefit from the many financial services.

Who owns ACE Cash Express?

ACE Cash Express is owned and regulated by Populus Financial Group, Inc.

How does ACE Cash Express verify personal checks?

ACE always verifies personal checks. Bring your check and ID, issued by the government in your local ACE Cash Express store, and a manager will verify your check for approval.

How to apply for an ACE Cash Express card?

To apply for an ACE Cash Express card, you must fill in your personal applicant information on the ACE website. The process is intuitive, and you will complete it in a few minutes. You may use this card in all places where Visa debit cards are supported.

Does ACE Cash Express charge a fee?

ACE Cash Express offers various financial products with different rates and fees. Charging fees is standard practice for a financial company.

How much is the money order fee at ACE Cash Express?

Fees for money orders start as low as $0.89 at ACE Cash Express locations. Money orders are outstanding for paying bills and sending money to loved ones.

Personal loans and money services online and in store

© Ace Cash Express

Financial products

Ace Cash Express
Personal loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
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$2000
Rate
i

Effective interest rate on the product

2.4% per day
Term
i

Loan term for the financial product

6 Months

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Calculate loan payments in Ace Cash Express

Ace Cash Express calculator will allow you to calculate an approximate payment schedule for the loan

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What to focus on before applying for a loan with Ace Cash Express

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Ace Cash Express and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Ace Cash Express’s reviews by September 2022
Leave feedback
1 reviews
5
Advantages
A normal lender who used loans before payday, I have a constant problem with this at work-they delay from a week to a month. Here I was approved, there were no difficulties in sending an application and the next day the money was transferred to the specified account. The advantages are obvious: quick consideration of the application, various loan terms, as well as interest rates. They don't work on weekends, here it would be very useful if Saturday and Sunday were working, because if you didn't have time on Friday, then consider that you were left without money. Otherwise, I was satisfied with everything, you can use the services.
Disadvantages
disadvantages are not present
Complain
Overall company rating
5.0
/ 5
1 reviews
Execution of an application
5.0
Support service
5.0
Mobile app
5.0
Service quality
5.0
Your satisfaction level
5.0

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