ACE Cash Express is a leading financial services provider offering a wide range of products, including payday loans, installment loans, title loans, check cashing, bill payments, wire transfers, money orders, and prepaid debit cards.
Founded in 1968 and headquartered in Irving, Texas, ACE has grown into one of the largest alternative financial services companies in the United States. The company operates over 850 retail locations across 22 states, making it the nation’s largest check-cashing store owner and operator.
Additionally, ACE is recognized as the country’s second-largest owner and operator of short-term consumer loan stores, serving millions of customers who require convenient financial solutions outside traditional banks.
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DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Ace Cash Express is a well-established direct lender and financial services provider in the United States, offering a range of services including payday loans, installment loans, check cashing, prepaid debit cards, and money transfers. Founded in 1968, the company has grown into one of the nation’s largest providers of short-term credit and alternative financial solutions. With thousands of retail locations across multiple states and a strong online presence, Ace Cash Express serves millions of customers who need quick, convenient, and reliable access to money.
🔷 Payday Loans
Ace Cash Express specializes in payday loans, which provide fast access to cash for urgent expenses or to cover shortfalls between paychecks. These short-term loans are usually due on the borrower’s next payday (typically within two weeks). Borrowers can apply for a payday loan either online or at an Ace Cash Express store. If approved, funds are deposited quickly, often on the same day or the next business day. Payday loans are valued for their speed and convenience, but they generally carry high fees and interest rates, making them one of the most expensive borrowing options available.
🔷 Installment Loans
Ace Cash Express offers installment loans, which allow borrowers to repay a lump sum of money through fixed, regular payments over a predetermined period. Unlike payday loans, which are due in full on the next payday, installment loans have longer repayment terms, typically spread across several months.
These loans often come with lower interest rates compared to payday loans, making them a more flexible borrowing option. By breaking down repayment into predictable installments, borrowers can manage their budgets more effectively.
🔷 Title Loans
In select states, Ace Cash Express offers title loans that utilize a vehicle title as collateral. The loan amount depends on the car’s appraised value and the borrower’s ability to repay the loan. Repayment terms vary by state but usually extend over several months.
🔷 Check Cashing
Ace Cash Express offers convenient check-cashing services, enabling customers to cash payroll, government, or personal checks without requiring a traditional bank account. This service is beneficial for individuals who may not have access to regular banking. A fee applies to each transaction, and the cost varies depending on the type of check, the check amount, and state regulations.
🔷 Prepaid Debit Cards
Ace Cash Express provides prepaid debit cards that can be reloaded with funds and used for everyday purchases, bill payments, ATM withdrawals, and online shopping. These cards give customers control over their spending without requiring a bank account.
🔷 Money Transfers
Through partnerships (like MoneyGram), Ace Cash Express offers a money transfer service that enables customers to send and receive money both domestically and internationally. Fees apply, but it’s a secure option for transferring funds to friends, family, or businesses.
🔷 Money Orders
Ace Cash Express provides a reliable method for sending funds through its money order service. Customers can purchase money orders with cash, a secure alternative to mailing cash directly. A small fee applies to each purchase, and the exact cost is disclosed at the time of the transaction. Pricing varies by state.
🔷 Bill Payment Services
Customers can pay bills directly at Ace Cash Express locations, including utilities, rent, credit cards, phone bills, auto loans, mortgages, cable, satellite, insurance, and more. This service offers convenience but incurs an additional fee.
Ace Cash Express offers payday loans as a short-term borrowing option for individuals facing financial emergencies such as medical bills, car repairs, or other urgent expenses. Borrowers are expected to repay the loan in full, along with fees and interest, on their next payday.
Payday loans are popular due to their speed and accessibility; borrowers with less-than-perfect credit can often qualify. However, they are also considered one of the more expensive forms of short-term credit due to high fees and interest rates. Understanding the loan features, repayment requirements, and state regulations is essential before applying.
🔷 Loan Amounts
Applicants can access payday loans ranging from $100 to $1,500, depending on their state of residence and income level. State regulations play a key role in setting the minimum and maximum loan amounts.
🔷 Application Process
Ace Cash Express offers flexible application options:
• Online Application: Applicants can apply from the comfort of their own homes and often receive an instant decision. If approved, funds are typically deposited into their bank account by the next business day.
• In-Store Application: Applicants visiting a physical Ace location receive an on-the-spot decision, with approved loans disbursed in cash immediately.
🔷 Quick Approval and Funding
Speed is a significant advantage of payday loans. Online applicants may see funds deposited within 24 hours, while in-store applicants can walk out with cash the same day.
🔷 Repayment
Repayment is typically due on the borrower’s next payday, covering the loan principal, fees, and interest. Ace Cash Express makes repayment flexible by allowing:
• Automatic withdrawals from a linked bank account.
• In-store cash payments at any Ace location.
🔷 State Regulations
Payday loan terms, including fees, loan limits, and repayment periods, vary by state. Ace Cash Express adheres to the specific lending laws of each state in which it operates, ensuring compliance and transparency.
Ace Cash Express payday loans are not available nationwide. Both the availability and loan limits depend on the borrower’s location. Here are the current ranges for payday loans offered by ACE Cash Express in specific states:
| Payday Loans Online | Payday Loans In-Store |
|---|---|
California: $100 – $255 | California: $100 – $255 |
Idaho: $100 – $1,000 | Florida: $100 – $500 |
Kansas: $100 – $500 | Indiana: $50 – $825 |
Louisiana: $100 – $700 | Kansas: $100 – $500 |
Texas: $100 – $1,500 | Louisiana: $100 – $700 |
Missouri: $100 – $500 | |
Oregon: $100 – $300 | |
South Carolina: $100 – $550 | |
Tennessee: $100 – $425 |
⚠️ (Loan ranges and availability may change based on state regulations.)
ACE Cash Express also offers personal installment loans as an alternative to payday loans. These loans provide larger amounts, longer repayment terms, and more manageable monthly payments. Unlike payday loans, which require full repayment by the next paycheck, ACE structures its installment loans to give borrowers more time to repay in fixed, scheduled payments over several months. This makes them a more flexible borrowing option than short-term payday loans.
🔷 Loan Amounts
Applicants can obtain personal installment loans ranging from $100 to $2,000. The qualified loan amount is determined based on state regulations, income level, and creditworthiness. In certain states, higher limits may be available.
🔷 Application Process
ACE Cash Express offers two convenient application methods:
• Online Application: Applicants can apply via the ACE website by submitting personal and financial details. Most applicants receive a quick decision, and if approved, funds are usually deposited into their bank account by the next business day.
• In-Store Application: Applicants can apply at a local ACE Cash Express location, where they receive an immediate decision and can walk out with cash on the same day if approved.
🔷 Funding Speed
Once approved, funding is quick and convenient:
• Online Approvals: Deposits are generally made to a linked bank account by the next business day.
• In-store Approvals: Borrowers can leave with cash immediately.
🔷 Repayment Terms
ACE Cash Express installment loans have longer repayment durations, typically ranging from a few months to 14 months (varies by state). The extended repayment schedule enables borrowers to manage their payments more comfortably.
🔷 Credit Consideration
ACE Cash Express reviews credit history as part of the application process, but applicants with less-than-perfect credit may still be eligible to qualify. Approval is based on several factors, including income, creditworthiness, and repayment ability.
The availability of installment loans varies by state. ACE Cash Express offers both online and in-store loans, with terms, amounts, and fees determined by local lending laws and regulations. Here’s the current breakdown:
| Installment Loans Online | Installment Loans In-Store |
|---|---|
Delaware: 100 – $2,000 | Florida: $100 – $1,000 |
Florida: $100 – $1,000 | Missouri: $100 – $2,500 |
Missouri: $100 – $2,500 | Ohio: $100 – $1,000 |
Texas: $100 – $2,500 | Oklahoma: $50 – $1,000 |
Texas: $100 – $2,500 | |
Virginia: $100 – $1,000 | |
⚠️ (Loan ranges and availability may change based on state regulations.)
Satisfied Customers
Better Business Bureau
To qualify for a payday loan or installment loan with ACE Cash Express, you’ll need to meet a few basic requirements. While exact criteria can vary by state, the general qualifications include:
You must be at least 18 years old to apply for an installment or payday loan.
You need to provide steady income documentation, such as pay stubs, bank statements, or benefits statements, to demonstrate your ability to repay the loan.
You must be a citizen of the United States and must live in the state where you’re applying and provide a valid home address.
You’ll need a valid Social Security Number (or ITIN) along with a government-issued photo ID, such as a driver’s license, state ID, or passport.
You must have an active checking or savings account in your name, typically open for at least 30 days, to receive funds and make repayments.
A working phone number and email address are required for communication and verification.
Safety | 256 Bit SSL Security. |
Lender Type | Direct State Licensed Lender |
BBB Rating | A+ Rating, Not a BBB Accredited Business. |
APR | 65.35% – 1409.36%. APR range may vary depending on the state law and the type of loan. |
Credit Score | Undisclosed |
Loan Amount | Payday loans range from $100 – $1,500. Installment Loans range from $100 – $2,000. The amount may vary depending on the state law. |
Loan Term | Payday loans 14 to 30 days. Installment Loans up to 14 months. The duration of your loan may be influenced by the state laws. |
Origination Fees | Undisclosed |
Time to Receive Funds | Same day or next business day* |
🔷 Multiple Loan Options
ACE Cash Express offers a diverse range of loan products tailored to meet various financial needs. From small payday loans for short-term expenses to installment loans for larger amounts with longer repayment terms, and even title loans in certain states, you have flexibility in choosing the product that best matches your situation. Whether you need a quick cash advance or a longer-term borrowing solution, ACE gives you options to suit your preferences.
🔷 Quick Access to Funds
Online applications are processed in minutes, with approved funds often deposited as soon as the next business day. For in-store applications, you may even walk out with cash in hand the same day. This fast turnaround makes ACE loans worthwhile during urgent financial situations.
🔷 Transparent Loan Terms
ACE Cash Express emphasizes transparency by providing detailed loan contracts. Each loan agreement outlines repayment schedules, fees, and interest rates, so you always know exactly what you’re committing to, without any hidden surprises.
🔷 72-Hour Satisfaction Guarantee
ACE offers a unique customer-friendly feature: if you change your mind within 72 hours of taking a loan, you can cancel it by returning the principal without incurring any fees or interest. This policy provides peace of mind and flexibility, especially if your financial circumstances change immediately after borrowing.
🔷 Multiple Ways to Apply
Apply online from the comfort of your home or on the go, or visit one of ACE’s many storefront locations if you prefer in-person assistance. This dual option makes the process convenient for customers with different preferences.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Applying for a loan with ACE Cash Express is designed to be simple and fast, whether you choose to apply online or at a store location. Here’s how the process works:
The specific APR, fees, and repayment terms for ACE Cash Express loans vary based on factors such as your state of residence, loan type, and loan amount. Because ACE operates in multiple states, each with its own lending laws, the actual cost of borrowing can differ significantly.
🔷 Payday Loans
• APR: Payday loans generally carry high APRs due to their short-term nature. The actual percentage depends on your state and loan amount.
• Fees: Typically, a flat fee per $100 borrowed. These charges are state-regulated and disclosed before you sign the loan agreement.
• Loan Term: Short-term, usually due on your next payday (around 14–31 days).
💡 Example Scenario
Suppose a borrower takes out a $300 payday loan with a $20 fee per $100 borrowed for a 14-day term. The borrower would repay a total of $360, reflecting an APR of 521.42%.
This illustrates how quickly finance charges accumulate, even for small loan amounts.
🔷 Installment Loans
• APR: Generally lower than payday loans but still higher than traditional personal loans. The rate depends on the loan size, repayment term, and state rules.
• Fees: May include origination or administrative costs, depending on state laws and regulations.
• Loan Term: Longer repayment periods, ranging from 3 months to over 14 months, allowing borrowers to spread out payments into manageable installments.
💡 Example – Delaware (Online Installment Loan)
• Loan Amount: $600
• Term: 5 months
With Automatic Payments: Total repayment = $1,303.85; APR ≈ 396.53%
Without Automatic Payments: Total repayment = $1,406.28; APR ≈ 447.24%
Additional Fees
• Late payment fees and returned payment fees may apply.
• ACE does not charge hidden fees; every cost is listed in the loan agreement before you commit.
The state’s serviced may change without prior notice; visit the lender’s website for up-to-date information.
Installment Loans Online
⇒ Delaware
⇒ Florida
⇒ Missouri
⇒ Texas
Installment Loans In-store
⇒ Florida
⇒ Missouri
⇒ Ohio
⇒ Oklahoma
⇒ Texas (excluding Austin and Dallas)
⇒ Virginia
Texas Residents: – In Texas, ACE Credit Access LLC is a licensed credit access business (CAB) and not a lender that helps consumers obtain loans from unaffiliated third-party lenders for a commission.
Payday Loans Online
⇒ Idaho
⇒ Kansas
⇒ Texas
Payday Loans In-store
⇒ California
⇒ Florida
⇒ Indiana
⇒ Kansas
⇒ Louisiana
⇒ Missouri
⇒ Oregon
⇒ South Carolina
⇒ Tennessee
Texas Residents: – In Texas, ACE Credit Access LLC is a licensed credit access business (CAB) and not a lender that helps consumers obtain loans from unaffiliated third-party lenders for a commission.
📞 Customer Service Availability
Ace Cash Express offers multi-channel support to assist customers with loan inquiries, account issues, and general questions:
• Online Loan Support: (866) ACE-CASH (866-223-2274)
• In-Store Support: (877) ACE-CASH (877-223-2274)
• In-Person Help: Available at 850+ ACE locations nationwide.
• Online Help Center: FAQs, loan details, and account support available at acecashexpress.com
🕒 Phone Support Hours (Central Time)
• Monday–Friday: 7:00 AM – 8:00 PM CT
• Saturday: 8:00 AM – 7:00 PM CT
• Sunday: 10:30 AM – 7:00 PM CT
⭐ Reputation and Ratings
(Ratings as of September 2025; may change over time)
• Better Business Bureau (BBB): Not accredited, but holds an A+ rating, reflecting effective handling of complaints and feedback over time.
• Trustpilot: 4.7 out of 5 stars, based on 10,823+ reviews. Customers consistently praise ACE for fast funding, convenience, and reliable service.
• ConsumerAffairs: 4.2 out of 5 stars, from 435 reviews. Users appreciate the accessibility and helpful staff, although some point to high costs as a drawback, as well as debt collection practices.
• Google Reviews: Feedback is highly location-dependent. Some branches are rated above 4.0 stars, while others receive mixed ratings.
💬 Customer Feedback (Based on Reviews Across the Web)
Overall, ACE Cash Express receives mixed but generally favorable feedback. Many customers value the company’s fast approvals, same-day funding, and friendly in-store service. Borrowers often appreciate the convenience of having multiple financial services available under one roof, including loans, check cashing, and money orders. However, recurring concerns include high APRs, short repayment timelines for payday loans, and occasional issues with collections or the online platform.
✅ Positive Experiences
• Borrowers often highlight the speed of approval and funding, sometimes receiving funds on the same day.
• Customers appreciate the straightforward, friendly in-store service, with staff explaining terms clearly.
• Reviewers appreciated the simple application process, both online and in person, noting it came with minimal hassle.
• Repeat borrowers mention consistent service quality, which gave them confidence to return when they needed quick funds.
• Some reviewers appreciated ACE’s flexible service options, including money orders and check cashing, which provided added convenience beyond loan services.
❌ Negative Complaints
• High APRs and fees remain the most common concern, making repayment difficult for some borrowers.
• Some customers reported challenges with repayment schedules, particularly the short deadlines associated with payday loans.
• Reviewers reported receiving aggressive or frequent collection calls when payments were late.
• A few customers mentioned technical issues with the website or payment portal, which caused frustration.
Most frequently asked questions about Ace Cash Express
Yes, ACE Cash Express operates as both a direct lender and, in some states, a Credit Services Organization (CSO) or Credit Access Business (CAB). In states where ACE is the direct lender, it funds and services the loan directly. In CSO/CAB states, ACE assists customers in obtaining loans from third-party lenders. The role depends on your state’s lending laws.
ACE may review your credit report, but approval isn’t solely based on your score. They also consider factors such as income, employment, and repayment ability, making ACE an option for borrowers with less-than-perfect credit.
Loan amounts depend on the loan type and your state:
• Payday Loans: $100 – $1,500
• Installment Loans: $100 – $2,500
• Title Loans: Based on the appraised value of your vehicle (available in select states)
Yes. Online loan applications are available in select states. You can complete a quick form through the ACE website and usually receive a decision within minutes.
Approved online applicants usually see funds deposited into their bank account by the next business day. In-store applicants may receive cash immediately.
Yes. Fees vary by loan type and state laws. Common charges include:
• Finance charges/loan fees (disclosed upfront)
• Late payment fees
• Returned payment fees
• ACE highlights that there are no hidden fees; all costs are clearly listed in your loan agreement.
Late or missed payments may result in additional fees, collection calls, or negative credit reporting. If you’re struggling, ACE encourages you to contact their customer service team early. Options may include repayment extensions, restructuring, or working out an alternative plan, depending on your state’s regulations.
Yes. ACE offers a 72-hour satisfaction guarantee. If you cancel within 72 hours and return the principal, you won’t owe any fees or interest.
ACE also provides check cashing, prepaid debit cards, bill pay, and money transfer services at its store locations.