ACE Cash Express

ACE Cash Express Logo

ACE Cash Express

Payday Loans available in 14 States, Multiple Services in 23 States

ACE Cash Express is headquartered in Irving, TX and was founded in 1968. They provide check cashing, short-term consumer loans, bill pay, and prepaid debit card services to consumers with good, bad, or no credit. They focus on providing consumers an alternative to traditional banking with convenient and immediate access to financial services. With over 950 locations in 23 states, services range from payday loans and cash advances to prepaid debit cards, check cashing, moneygrams and money orders. Payday loans are available at local ACE Cash locations in California, Florida, Indiana, Kansas, Louisiana, Minnesota, Missouri, Ohio, Oregon, South Carolina, Tennessee, Texas and Virginia; and online in California, Florida, Idaho, Kansas, Louisiana, Minnesota, Ohio, and Texas. Loan amounts vary by state and whether you are applying online or in-store.  

The Good

  • Alternative Credit Reporting 
  • Quick Application Process 
  • Helpful Policies 
  • User-Friendly 

Alternative Credit Reporting 

ACE Cash Express makes it easy for consumers with good, bad, or no credit to get a loan and boost their credit rating with alternative credit reporting agencies - they do not report to traditional credit reporting bureaus. 

Quick Application Process 

The application process is quick and can be done online or through the ACE Cash Express Mobile Loans app. You will need an active checking account that has been open for at least one month, a working phone number s, to be at least 18 years old and a U.S. citizen, and to show a verifiable source of recurring income payments. ACE Cash Express does require that they be able to contact you by telephone for verification purposes before your loan is funded, and that you can be contacted after work hours. If your application is received by 12:00 noon CT and verified by 3:00 pm CT, you will receive your money the next day. If it is after 12:00 noon CT, the money will be available two business days later. 

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

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

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 their stores. 

Lastly, they do not charge a 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. 


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 loan and, if needed, renew it. They even have mobile apps available for download in the App Store and on Google Play to help you keep up-to-date on your funds or cash checks to your bank account or prepaid card. 

The Bad

  • Fees and Penalties 
  • High APRs 
  • 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 agencies if you fall behind in payments. The fees are $15.00-25.00 for late fees and $10.00-30.00 for insufficient funds. In addition, you will pay loan fees for borrowing the money and, in some states, an administrative fee on top of that. 

High APRs 

APRs with ACE Cash Express are high compared to some of the other payday loan companies: they can be as high as 65.35-1409.36%. 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 information on ACE Cash payday loans, you are pretty much required to contact them 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.  Want to know which payday loan company is top rated? Click Here

The Bottom Line

ACE Cash offers some information about lending interest rates, fees and repayment expectations on their 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 paperwork. ACE Cash Express has over 40 years of experience in the payday loan industry and is still going strong today. 

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 directly. You cannot argue against their experience in the field, but it is recommended that you do some thorough research before choosing ACE Cash for your payday loan needs. 

View Best Payday Loans


As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. For more information on how we rank companies, click here.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify us here.

User Reviews


1 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
Thomas Hullinger
August 29th, 2018 Pleasant Grove, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

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.