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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.


Ace Cash Express's pay off


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.


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.

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

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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
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.
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/ 5
1 reviews
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