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Rating by Finanso®

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.


Apply for a Ace Cash Express's loan


How to apply

To get an ACE loan, individuals should apply online first. The procedure is simple, and you cope with that pretty well. Ensure you must meet specific requirements to be approved before the application. We post the ACE requirements for your convenience:


  1. You must have a permanent source of documental verified income.
  2. You don't have to be employed.
  3. You may earn a social security benefit.
  4. You must apply for a loan in a state of residence or, as an alternative, have a permanent home in the location where you apply for a loan.
  5. The age of customers is from 18 years and above.
  6. The borrower should not be in bankruptcy to receive a loan.
  7. You must have a valid Social Security number or your Tax Identification Number.
  8. You must have an active bank open for at least one month.
  9. You can take out a loan from the company if you do not intend to file a petition for declaring yourself bankrupt.

    ACE Cash Express offers loans with a satisfaction guarantee within 72 hours, and you can also cancel the application during this period. If you have received a confirmation for the issuance of credit funds, lending funds will come to your balance within one business day.

    Keep in mind that the company does not consider your credit score (many alternatives or other trademarks still check this out).

    How to submit a loan application

    To get extra cash for personal needs, you need to access the current offer and apply for a loan. If you are a new customer, you need to decide which type of loan you want. Then click the "Installment loans" or "Payday loans" button on the lender's website main menu. After, click the "Get started" button, enter your details and click the "Continue" button. Application details include:

    1. State where you apply for a loan.
    2. Full name.
    3. Place of residence (address).
    4. Email.
    5. Mobile number.
    6. Birthday.
    7. Social Security Number.
    8. Do you rent or own the house?
    9. Your military status.

    Existing customers can log in with their logins and passwords, then apply for the preferred type of loan.


    What do I need to get a loan at ACE Cash Express?

    You should create a personal profile on the ACE Cash Express site or visit its store and apply for a loan. You will meet the eligibility requirements if you are a state of application resident of 18 years or older, have a verified source of income, and are not in bankruptcy.

    What are the interest rates on ACE Cash Express?

    ACE Cash Express is not transparent about its exact loan interest rates until a borrower signs a loan agreement. In the examples on its website, the lender describes that the interest rate may equal 399% for customers who allow ACE to submit electronic payments to their bank or debit account automatically.

    How much does ACE Cash Express lend you?

    ACE can lend you from $100 to $2,000, and the amount depends on the state of a loan application.

    What are the reviews for ACE Cash Express?

    There are many grateful review examples regarding ACE, where people write that they were able to solve their financial problems due to ACE lending quickly.

    How long does it take for ACE Cash Express to approve?

    If you did everything right and provided all the necessary information, the ACE Cash Express company will approve you in no longer than 72 hours.

    How trustworthy is ACE Cash Express?

    It provides licensed loan services, and ACE Cash Express is one of the top companies in the US lending market.

    How much of a loan can I get from ACE Cash Express?

    ACE customers can get an installment loan from $100 to $2000 or a payday loan from $100 - $1500.

    Does ACE Cash Express affect your credit?

    No, ACE Cash Express does not affect your FICO credit score. But still, its inquiry may affect your overall credit profile with the corresponding agency.

    Financial products

    Ace Cash Express
    Personal loan
    Rating by Finanso®

    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™

    Effective interest rate on the product

    2.4% per day

    Loan term for the financial product

    6 Months

    Calculate loan payments in Ace Cash Express

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

    Loan amount

    Enter the desired loan amount

    100 $
    2000 $
    Loan term

    Specify the loan term for the calculation


    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 October 2022
    Leave feedback
    1 reviews
    A pleasant interface on the site, everything is clear and due to this, no difficulties arose when applying for a short-term loan. I was advised by this lender by a work colleague who has already used their services, so I would not apply, because I distrust such organizations. With the first loan, you can not count on a large amount, but also thank you for giving money, although they transferred it only the next morning. In general, everything is not bad, I noticed that the company also offers loans in installments, all information about the lender is provided on the website, the activities are clean
    1 reviews
    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 are not present
    Overall company rating
    / 5
    2 reviews
    Execution of an application
    Support service
    Mobile app
    Service quality
    Your satisfaction level

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