Lender
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3.7
(28 Ratings)

ACE Cash Express PayOff

Advertiser Disclosure

Repayment of a loan

You will negotiate the repayment details with ACE Cash Express before signing the loan documents. ACE does not inform three major credit bureaus about the client's repayments or possible violations. Payday loans are paid on the day a person receives the next paycheck, while title loans are mainly repaid over a more extended period. Installment loans are paid using several payments determined when applying for a loan.

Each ACE customer can have up to one open loan at a time, whether it is a payday loan or an installment loan. Some states may have additional restrictions. It helps to ensure you have enough cash to pay off your debt and prevent over-borrowing — borrowing more than you can afford to pay back.

If you want to repay the debt as soon as possible, you have every right. If the customers repay it in full before the due date, they will be responsible only for accrued interest and fees on the outstanding principal amount of the debt before the repayment day.

Conditions of loan extension

A person may find themselves in a situation where they could not make immediate payments on time for reasons beyond self-control. To avoid violations of a loan agreement, you may need a loan extension to prolong your credit obligations. If you write to the loan managers about this as early as possible, they will form the conditions for extended repayment. Of course, you will pay extra fees for postponed payments, but you will have more time to repay ACE Cash Express on legal grounds.

Early payoff

ACE Cash Express allows borrowers to repay the debt faster than the due dates set in the loan agreement, and there are no prepayment penalties.

It benefits everyone. But what is the most effective way to pay off the loan to repay it earlier?

Use these rules for establishing a good credit:
  • Keep a budget and increase the monthly minimum payment every time by a small amount.
  • Always have enough money to pay on time.
  • Do not spend more than you planned for life needs.

FAQ

What happens if you don't pay back ACE Cash Express?

If you do not pay a loan back to ACE Cash Express after taking out money, it will impose penalties and high-interest rates on you. We recommend you read the loan agreement carefully and understand that repayment violations can lead to severe consequences for you.

Can I refinance my ACE Cash Express loan?

Yes, a person can apply for refinancing an ACE Cash Express payday loan. Contact the support team at +1 866 355-6815, and they will clarify your particular details.

Can you pay off ACE Cash Express early?

Yes, you can pay off a loan ahead of schedule, and it will help save your money on interest. You can pay off an ACE loan electronically or in a store.

Can ACE Cash Express sue you?

Yes, it can, but only if you stop fulfilling the loan agreement terms. Strictly follow the terms and conditions of repayment, not to face penalties and law judgments.

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Term
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Loan term for the financial product

14 days – 1 months
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100.00 – 5000.00 $
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Recommended FinScore™
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100.00 – 1500.00 $
Term
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Loan term for the financial product

14 days – 1 months
Rating by Finanso®
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3.502
(22 Ratings)
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$2000
Rate
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Effective interest rate on the product

2.4% per day
Term
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Loan term for the financial product

6 Months
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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
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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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