ACE Cash Express Logo

ACE Cash Express

Is This Your Business?
star star star star_border star_border
error This company may not service all states.
See states serviced
LAST UPDATED: July 25th, 2023

ACE Cash Express provides check cashing, short-term loans, bill pay, auto title loans, personal loans, also known as short-term installment loans, and prepaid debit card services to consumers with good, bad, or no credit. It focuses on providing consumers an alternative to traditional banking with convenient and immediate access to financial services. 

With over 950 store locations in 23 states, products and services range from payday loans and cash advances to prepaid debit cards, check cashing, moneygrams, and money orders. Loan amounts vary by state and whether you are applying online or in-store. 

Read on for pros and cons of borrowing from ACE Cash Express, or skip ahead to customer reviews and complaints. 

Top Ranked Companies


The Good

  • Alternative Credit Reporting
  • Quick Loan Application
  • 72-Hour Satisfaction Guarantee
  • Helpful Policies
  • User-Friendly Website

Alternative Credit Reporting

ACE Cash Express makes it easy for consumers with good, bad, or no credit to borrow small-dollar loans and boost their credit report with alternative credit reporting agencies. However, this lender does not report to the three traditional credit bureaus. 

Quick Loan Application

The online loan application process is quick and can be done through the ACE Cash Express Mobile Loans app.

Basic ACE Cash Express cash advance application criteria include the following: 

  • An active checking account that has been open for at least one month
  • A working phone number
  • No current or intended bankruptcies
  • At least 18 years old
  • A U.S. citizen
  • Income payment verification

If you apply in-store, a valid government photo ID, like a driver's license, is required, but a social security number is not required. You must provide proof of income and proof that you have a checking account; however, for the latter, debit cards or pre-printed checks may be accepted, depending on your location. 

If you fill out the application online, a valid social security number or taxpayer ID number is required. 

ACE Cash Express requires telephone contact with applicants before loans can be funded. If your application is received by 12:00 noon CT and verified by 3:00 pm CT, you will receive your money the next business day. If it is after 12:00 noon CT, the money will be available two business days later. 

The term of your loan is according to state-specific requirements, and ACE Cash Express tells you in your approval email when your repayment date is. The average payday advance loan term is 14 days. 

Repayment of the amount borrowed, plus fees and the annual percentage rate (APR) interest, is automatically debited from your account on the specified payment date. Those who choose not to enroll in automatic debit transactions are given a one-day grace period from their payday to deposit a check for the full amount owed. 

72-Hour Satisfaction Guarantee

If you change your mind about your ACE Cash Express loan, you can return the principal within 72 hours without penalty. This is a helpful feature if your financial situation changes and you no longer need the loan, but some lenders have a longer grace period.

Helpful Policies 

ACE Cash Express employs a few policies that we find helpful. 

First, every payday loan comes with a 72-hour satisfaction guarantee. 

In states that allow refinancing, you can apply online or in one of the lender's retail locations. 

Lastly, ACE does not charge a prepayment penalty if you are able to repay the loan early. In some states, you may also be eligible for a refund of all or part of the finance charge if you repay the loan early. Also, no past due interest is assessed for late payments. 

User-Friendly Website

The ACE Cash Express website is user-friendly and easy to navigate. Menus and dropdown features are straightforward and intuitive. There is a member login area where you can manage your existing loans and, if needed, renew a loan. 

The ACE Cash app is available for download in the App Store and on Google Play to help you keep up-to-date on your account or cash checks to your bank account or prepaid card. 


The Bad

  • Fees and Penalties
  • High Rates
  • Lack of Transparency

Fees and Penalties

Fees and penalties charged by ACE Cash Express vary by state of residence. There are fees for late payments and insufficient funds, and your loan can go to collections and impact your credit score with alternative credit reporting bureaus if you fall behind on payments. 

The fees are $15.00-25.00 for late fees and $10.00-30.00 for insufficient funds. In addition, you will pay a loan origination fee for borrowing money and, in some states, an administrative fee on top of that. 

High Rates

Interest rates with ACE Cash Express are high compared to some of the other payday lenders. They can be as high as 163 to 807 percent APR, a very wide range which does not necessarily provide consumers any insight into what interest rate they could receive on their loan. 

This information is listed in the fine print on the website and is based on state, loan term, loan funding date, and other considerations. 

Paying such high interest rates in addition to repaying the debt may make it difficult to get ahead financially. With so many differences varying between states, it makes it difficult to research loan options.

Lack of Transparency

In order to get pertinent financial information about ACE Cash payday loans, you are pretty much required to contact the lender directly. Rates depend on several different personal factors, where you live, and whether you are applying in-store or online. 

This can make it difficult and time-consuming for interested consumers who just need a quick short-term loan to pay bills.


The Bottom Line

ACE Cash Express has over 40 years of experience in the payday loan industry and is still going strong today. It offers some information about lending interest rates, fees and repayment expectations on its website. However, specific amounts and terms will vary by state; borrowers will need to confirm how much debt they are accruing and what additional costs they are subject to before finalizing their loan agreement. 

With all that being said, ACE still leaves a lot of answers unknown. With a huge APR range, customers have to solve the mystery of their own loan details by contacting ACE Cash customer service directly. You cannot argue against this lender's experience in the field, but it is recommended that each consumer thoroughly research options before choosing ACE Cash Express for their short-term financial needs.

If you have borrowed from this payday lender, please leave an ACE Cash Express review and tell us about your experience.

View Best Payday Loans

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating


star star star star_border star_border

6 Reviews

Review Breakdown

5 grade


4 grade


3 grade


2 grade


1 grade


Sentiment Criteria


star star star_half star_border star_border


star star star_half star_border star_border


star star star_half star_border star_border


star star star star_border star_border

Filter by:


Sort by:

star star star star star

Morris W W Conway Jr Tucson, AZ

Good afternoon to everyone that work for the ACE Cash Express Customer Center how are all of yous doing now.I do hope that all of yous are doing ok smile.Also I do hope that all of yous will have a very wonderful day and yes always enjoy life ok smile.In ending I just want to say that Roxanna that work at the ACE Cash Express Store located at 77 S Kolb Rd,Tucson,AZ 85710-3601 is always so very very Professional Helpful and very very Caring to me and others too ok smile.Last of all also Roxanna is a very very Positive Role Model for all young and old Females in the very very very busy Working World ok smile.Finally before I end my email Roxanna is always a very very Positive Representative for the very very wonderful ACE Cash Express Inc ok smile.Praise the Lord and God is Good Amen and to all of yous please have a very very Happy Friday day,night ,weekend enjoy take care smile. Sincerely, Morris W Conway Jr

4 years ago

star star star star star

L.Tolar San Antonio, TX

Great customer service from from a very nice employee her name is Takishi she help me and was very helpful and friendly, I will definitely come back to these Ace Cash Express in San Antonio Texas off Thousand Oaks and Jones M Very nice and helpful.

3 years ago

star star_border star_border star_border star_border

Lyle Hecker Portland, OR

I have been with ace for 5+years and I've never had any problems until now, asked to extend my loan payment "make small payments until it's paid"I was told not until next month, very disappointed with the 82nd store and Sally, considering a change in my banking.

4 months ago

star star_border star_border star_border star_border

Yolanda San Antonio, TX

We borrowed manny times from ace every thing was good and my husband would always payed in full the total amount . Until one day my husband tried to get a loan . They told him he couldn't get one cause he had a balance he owed to them. We were surprise because we always payed the full amount when he got payed. So we asked them what it was about they said we owed 54 dollars from two months ago. If my husband would of not gone to get a loan he would of not known a about this 54 dollars. What happen is that I payed this loan online and my bank declined the transaction. And asked me if this transaction were mine . They thought it was fraud. I accepted the transactions put they still declined ace cash express . So I went online the following day . Ace had already charged me a fee of 54 dollars for one day. So I ended up paying more . So I agreed to pay the total amount 390.00. Instead of 336.00. So we contacted my bank and told them that they had declined my transaction with ace when I accepted the transaction put they still declined it. So ace charged me interest for one day. So I contacted bank of America and told them,That they needed to give me back the interest I payed to ace . They said they would investigate this since they declined my payment to ace when I approved it . . So two weeks passed my bank gave me 54 dollars. And ace was charging me 54 dollars I was like what I payed them off. My problem with ace is I called them asked to speak to a supervisor on duty . I took me 30 minutes just to talk to someone. And when I did ,I spoke to some guy name Anthony that's what he said he sounded like he was a colored man . He didn't even know what actually happen to my account ,he was telling me I owed them more total was about 500 dollars ,I said what he thought we had accepted an installment payments so he told us we needed to pay more interest on the loan. He told us that money did not come for free . He was very very rude . I was very disappointed with his behavior and rudeness. I am in the customer service business myself and I have never ever spoke to a supervisor who treated customers so badly like he did. My husband always payed on time and he is retired air force and has a degree in HVAC. Ace made alot of money from him only because we just needed to get back on our feet . Thank god we are better now. But we will never ever do business with ace again. Up to now our account is still in dispute. When my husband went to get a second loan . It's funny how the 54 dollars were never mention when he went until close to two months when he went to pay of that loan . Since ace new about my dispute with my bank . They returned the 54 dollars from the 390. 00 I payed to ace to bank America and bank America have that money into our account. So who's a fault here . I feel ace retured the 54 dollars back to bank of america didn't tell us about and they can charge alot of interest in this account with out telling us about it. They can Easily say they tried calling us . But we never new about this 54 dollars until my husband went back to ace . If you are reading this don't go to ace . For unprofessional people.

4 years ago

star star star star star_border

Thomas Hullinger Pleasant Grove, UT

I have been in a bind and have used ACE Cash Express a few times for short periods and that is what they do best. I was appreciative of their service and ability to meet my needs.

5 years ago

star star_border star_border star_border star_border

Kayla Baton Rouge, LA

I went to a Ace Cash Express in Baton Rouge La . It is horrible , the lady behind the counter who works Saturdays is so rude and unapproachable. Please get new staff Ace Cash Express

4 years ago