Lender
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i

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3.7
(28 Ratings)

ACE Cash Express Account Review

Advertiser Disclosure

How To Login in ACE Cash Express Account?

To log in to your personal account, please follow these steps:

  1. Visit the official website of ACE Cash Express.
  2. Click on the "Log In" button located on the top right corner of the homepage.
  3. On the next page, you will be asked to select the type of account you want to log in to. Choose the appropriate account type.
  4. Click on the "Log In" button to access your personal account.

      If you are having trouble logging in to your account, you can contact ACE Cash Express customer support for assistance.

      Key Features

      Here are some additional key features of ACE Cash Express:

      1. Fast approval. The company has a fast approval process for their loans, which allows customers to get the money they need quickly. In some cases, customers can get approved for a loan within minutes.
      2. Flexible repayment options. ACE Cash Express offers flexible repayment options for their loans, including the ability to repay the loan in installments. This feature allows customers to tailor their loan repayment schedule to fit their individual needs.
      3. Mobile app. It allows customers to manage their accounts, view transaction history, and make payments on-the-go.
      4. Rewards program. ACE Cash Express has a rewards program for their prepaid debit cardholders, which allows customers to earn cashback rewards on their purchases.
      5. ATM Network. The company has a large ATM network that customers can use to withdraw cash from their prepaid debit cards without incurring fees.

      These are just a few additional key features of ACE Cash Express that make it a convenient and accessible option for customers who need financial services.

      How To Register an Account?

      ACE Cash Express offers a loan application and funding process that can vary depending on the loan product and the customer's state of residence. Customers can choose from various loan options and complete the loan application either online or in-store. The application typically requires personal information, employment details, and banking information. Once submitted, the company will review the loan application and determine whether to approve or deny the loan request. If approved, customers will receive a loan agreement that outlines the loan terms and conditions. Once the loan agreement is signed, customers will receive the loan funds, which may be deposited directly into their bank account or loaded onto a prepaid debit card, depending on the loan product and state regulations.

      Step-by-step Registration

      To register for an ACE Cash Express account, follow these steps:

      1. Go to the ACE Cash Express website and click on the "Give ACE a Try" button at the homepage.
      2. Select your state from the dropdown menu provided.
      3. Choose the type of service you need, such as Money Transfers, Bill Pay, or the ACE Elite® Visa® Prepaid Debit Card.
      4. Click on the "Start Online" button and then click on "Start Your Application".
      5. Enter your first name, last name, state, and email address in the fields provided.
      6. Follow the on-screen prompts to provide additional information, such as your address, phone number, and employment details.
      7. Review and submit your application.
      8. Once your application is approved, you will receive your account information and be able to log in to your ACE Cash Express account.

      Note that the registration process may vary if you have chosen a different service. Be sure to follow the steps provided on the ACE Cash Express website for the specific service you need.

      How Do ACE Cash Express Loans Work?

      Here's how ACE Cash Express loans work:

      1. Apply. Customers can apply for a loan online or in-store by providing their personal information, employment details, and banking information (if applicable). The application process may vary depending on the type of loan product and state regulations.
      2. Loan Approval. ACE Cash Express will review the loan application and determine whether to approve or deny the loan request. If approved, customers will receive a loan agreement that outlines the loan terms and conditions.
      3. Receive funds. Once the loan agreement is signed, customers will receive the loan funds. Depending on the loan product and state regulations, funds may be deposited directly into the customer's bank account or loaded onto a prepaid debit card.
      4. Repayment. The loan repayment terms vary depending on the loan product and state regulations. Typically, the loan repayment is due on the customer's next payday for payday loans or in installments for installment loans. Customers can make loan payments online or in-store at ACE Cash Express locations.

      It's important to note that loan products, terms, and conditions may vary by state, and some loan products may not be available in all states where ACE Cash Express operates. Additionally, loan approval is not guaranteed, and customers should carefully review the terms of the loan agreement before accepting the loan.

      Loan Funding Times

      The loan funding times at ACE Cash Express can vary depending on the loan product and the state where the customer resides. Here are some general guidelines for loan funding times:

      1. Payday loans. If the payday loan application is approved, funds are typically deposited into the customer's bank account by the next business day.
      2. Installment loans. If the installment loan application is approved, funds are typically deposited into the customer's bank account by the next business day.
      3. Auto title loans. If the auto title loan application is approved, funds may be disbursed to the customer in the form of a check or through direct deposit, typically within 24 hours.
      4. Prepaid debit cards. If the prepaid debit card application is approved and funded, customers can typically access the funds on their card within 24 hours.

      It's important to note that loan funding times may vary depending on several factors, such as the time of day the loan is approved, the method of funding, and any additional state regulations. Customers should also check with their bank to determine the processing time for depositing funds into their account.

      Who Are ACE Cash Express Loans For?

      ACE Cash Express loans are designed for customers who need short-term financial assistance to cover unexpected expenses or emergencies. These loans are typically for individuals who do not have access to traditional banking services or credit options. ACE Cash Express loans may be suitable for individuals who:

      1. Have an urgent need for cash. The company’s loans can provide quick access to funds for unexpected expenses or emergencies.
      2. Have limited or poor credit history. The loans may be available to individuals who have limited or poor credit history, as they do not require a credit check for approval.
      3. Do not have access to traditional banking services. ACE Cash Express loans may be suitable for individuals who do not have access to traditional banking services, such as a checking account or credit card.
      4. Need a small loan amount. The loans typically offer smaller loan amounts than traditional loans, making them a good option for individuals who need a small amount of cash.

      It's important to note that loan products, terms, and conditions may vary by state, and some loan products may not be available in all states where ACE Cash Express operates. Additionally, loan approval is not guaranteed, and customers should carefully review the terms of the loan agreement before accepting the loan.

      How To Delete an Account?

      If you have a personal account with ACE Cash Express, you can contact their customer service department to request account closure. To delete your account, you can call their customer service number at 1-866-387-7363 or visit one of their store locations for assistance.

      It's important to note that if you have an outstanding balance on your loan or ACE Elite Visa Prepaid Debit Card, you will need to pay off the balance before closing the account. Additionally, it's a good idea to review the terms and conditions of your account to ensure that there are no penalties or fees associated with closing the account.

      How To Reset a Password?

      If you have an ACE Cash Express online account, you can reset your password by following these steps:

      1. Go to the Ace Cash Express website and click on the "Log In" button in the top right corner of the page.
      2. On the login page, click on the "Forgot Password" link.
      3. Enter the email address associated with your account and click "Submit".
      4. Follow the instructions in the email that you receive from ACE Cash Express to reset your password. This may involve clicking on a link to a password reset page or entering a code provided in the email.
      5. Once you have reset your password, you should be able to log in to your account with your new password.

      If you have any issues with resetting your password, you can contact their customer service for assistance.

      FAQ

      How Do I Contact ACE Cash Express?

      You can contact the company through various methods:

      1. Toll-free phone number. You can call their customer service toll-free phone number at 1-866-387-7363 if you are in the US or Canada.
      2. International phone number. If you are outside of the US or Canada, you can call their international phone number at 1-737-220-8956.
      3. Email. You can email their customer service department at [email protected].
      4. Mail. You can send mail to their mailing address at ACE Elite, PO Box 2136, Austin, TX 78768-2136.

      Customer service representatives are available Monday through Friday from 8:00 am to 10:00 pm Central Time, and Saturday and Sunday from 8:00 am to 8:00 pm Central Time.

      How Do I Activate My ACE Cash Express Account?

      If you have applied for a loan or an ACE Elite Card account with ACE Cash Express, you may need to activate your account after approval. Here are the general steps to activate an account:

      1. Check your email. After your loan or ACE Elite Card account is approved, you should receive an email with activation instructions. Check your email inbox, including your spam folder, for this email.
      2. Follow the activation instructions. The email should contain instructions on how to activate your account. Typically, you will need to click on a link or enter a code to complete the activation process.
      3. Provide additional information if required. Depending on the type of account you have applied for, you may need to provide additional information, such as your social security number, date of birth, or address, to complete the activation process.
      4. Set up your account. Once your account is activated, you should be able to set up your account by creating a username and password, or by selecting a PIN for your Ace Elite Card account.

      If you encounter any issues with activating your ACE Cash Express account, you can contact their customer service department for assistance.

      Why Can't I Access My ACE Cash Express Account Online?

      If you are having trouble accessing your ACE Cash Express account online, there could be several reasons for this. Here are some common issues that may prevent you from accessing your account:

      1. Incorrect login credentials. Make sure you are entering your username and password correctly. If you have forgotten your password, you can reset it by clicking on the "Forgot Password" link on the login page.
      2. Account is locked. If you have entered your login credentials incorrectly multiple times, your account may be locked for security reasons. Contact ACE Cash Express customer service to have your account unlocked.
      3. System maintenance. ACE Cash Express may occasionally perform system maintenance, which can temporarily prevent you from accessing your account. Try again later when the maintenance is complete.
      4. Technical issues. There may be technical issues on either your end or on ACE Cash Express's end that are preventing you from accessing your account. Try accessing your account from a different device or web browser, or contact customer service for assistance.
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      ACE Cash Express loans calculator

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

      ACE Cash Express calculator
      Interest rates are given in accordance with the rates of the ACE Cash Express of 25.05.2024
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      All ACE Cash Express’s reviews by may 2024
      Leave feedback
      4.4
      Advantages
      I submitted an online application for a $300 installment loan through ACE Cash Express, and the funds were deposited into my account on the following business day. They conveniently deduct my installment loan payments from my paycheck when it's deposited. My experience with ACE Cash Express has been hassle-free, and they've proven to be an excellent choice for securing short-term installment loans.
      Complain
      1.8
      Disadvantages
      I've had two instances where Ace took their payment out earlier than expected, resulting in a $35 overdraft fee each time. When I called to address this issue, they claimed it was scheduled for the 1st, not the 3rd. However, this contradicts their previous practice of withdrawing it on the 3rd. Given this inconsistency, I would strongly advise against using Ace's services.
      Complain
      4.4
      Advantages
      I've been a loyal customer of ACE Cash Express for several years, and I've consistently experienced excellent customer service. Their convenient location and hours make it an ideal choice for my banking transactions. I have no hesitation in continuing to rely on ACE for my financial needs.
      Complain
      2
      Disadvantages
      This place requires payments every 10 days instead of aligning with a regular payday schedule, which can be quite inconvenient. What's even worse is that when you reach out to them to request a change in your due date, they're uncooperative and unhelpful. My experience with them has been one of the most frustrating and unpleasant encounters I've had.
      Complain
      4.4
      Advantages
      When it comes to payday loans, Ace is a straightforward, no-nonsense option with no hidden fees or predatory practices. I've relied on Ace for loans on three occasions, and each time, it's been a smooth experience with no problems. The loan fees are reasonable, and their website is user-friendly, making the process even more convenient.
      Complain
      4.2
      Advantages
      Ace Cash is a friendly and excellent establishment with incredibly helpful and top-notch customer service. Without a doubt, based on the valuable information and positive experiences I've had here, I'll definitely return to this location for any future loans.
      Complain
      4.6
      Advantages
      During my visit to Ace Cash Express, the representative provided exceptional assistance and displayed remarkable courtesy, not only towards me but also towards a customer on the phone and those in the store. Their friendliness was truly noteworthy, and I'm grateful for the positive experience. Thank you!
      Complain
      2
      Disadvantages
      My interactions with this company haven't been very positive, even though the staff is genuinely friendly. The check-cashing rates are just too high. Paying $53 to cash a $1,381 check feels excessive. I could understand fees in the range of $20-30, but this fee seems exorbitant. I work diligently for my money, and it's disheartening to see hardworking people like me being charged such high fees, especially when every dollar matters.
      Complain
      4.6
      Advantages
      I initially borrowed $200, and to date, I've paid a total of $459. They persistently continue deducting money from my account, and I'm left wondering when this loan will finally be considered paid off and concluded. I have made up my mind to never engage with this company again. Their practices are highly distressing, and I shudder to think how much more money they would have withdrawn had I not taken the step to contact my bank and halt the payments.
      Complain
      1.8
      Disadvantages
      This company is blatantly violating the Fair Credit Reporting Act. Initially, they hounded me daily with calls from unidentified numbers until I insisted they stop, which I documented on a recorded line. I informed them of my intention to repay the outstanding balance of the predatory loan they had issued.
      However, their response was troubling. Instead of abiding by our agreement, they engaged another company to contact not only me but also my family, using misleading phone numbers. Furthermore, they left me threatening voicemails, alleging that they were preparing to file a lawsuit. This, despite the fact that I had demonstrated my intent to repay the loan by visiting one of their branches a month ago, only to be turned away due to their malfunctioning card system. I believe they can verify this with their surveillance footage.
      To compound matters, the information they've recorded on the contract, including my email address, is inaccurate. They are making baseless accusations of fraud without providing any evidence. At a time when I've been grappling with financial hardships and just welcomed a child into my family, I was finally ready to settle the remaining balance. However, they've hit me with these unfounded allegations.
      Complain
      Overall company rating
      3.7
      / 5
      28 reviews
      Execution of an application
      3.8
      Support service
      3.8
      Mobile app
      3.3
      Service quality
      3.8
      Your satisfaction level
      3.8
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