ACE Cash Express short-term loans review

This lender gives you options when you need short-term financing.’s rating: 3.6 / 5.0


Bottom line: ACE Cash Express has more than four decades of experience and offers an array of financial services from over 950 locations across the US. But like all short-term lenders, the cost of its payday loans and installment loans can be quite high. Read our full review.

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Min. Amount


Max. Amount

As fast as same business day

Turnaround time


Product NameACE Cash Express Short-term Loans
Min. Amount$100
Max. Amount$1,500
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround TimeAs fast as same business day
CostsVaries depending upon the state where you reside.
RequirementsSteady source of income, checking or savings account, not currently in bankruptcy, ages 18+
Go to site


  • 72-hour return period
  • Prepaid debit cards and other services available
  • Online and in-store options
  • Same-day funding available


  • Loan options vary by state
  • Interest rates not available online
  • Mixed customer reviews

Review by

Kellye Guinan is a freelance editor and writer, specializing in consumer lending. Her writing and analysis has been featured on Bankrate, MSN and MediaFeed. She holds degrees in anthropology and German language and literature from Middle Tennessee State University.

Expert review

ACE Cash Express is a good choice for those who want a personal lending experience. It has over 950 store locations, and in some states, you can apply online and pick up your funds the same day you apply. It also earns high ratings on Trustpilot and has a number of financial services available — without needing to borrow a loan.

But for some borrowers, the cost is quite high. And depending on your state, you may not have access to certain services or loan products.

Compare more lenders and connection services before you apply to be sure you’re getting the best deal.

ACE Cash Express rates, fees and terms

ACE Cash Express offers payday loans and installment loans. But the cost of your loan — along with how much you can borrow and the loan term — will depend on your state.
While some states have clear fee schedules available on ACE’s website, others don’t, so call customer service or visit a store to learn more about the potential financing fee of your loan.

What is ACE Cash Express and is it legit?

Yes, ACE Cash Express is a legitimate lender that follows positive lending practices. It’s a member of the Financial Services Centers of America (FISCA) and the United States Hispanic Chamber of Commerce (USHCC). These organizations believe in fair lending practices and complete disclosure.
With ACE Cash Express, all applicable fees and charges are listed in the beginning on your loan contract so you don’t have to worry about any hidden costs. In addition to this, ACE Cash Express runs the ACE Community Fund, a corporate giving program founded in 2004. The ACE Community Fund has donated to organizations aimed at helping children, supporting education and promoting financial literacy.
Its website has an industry standard privacy policy and possesses a valid security certificate. These are in place to safeguard your personal information from being stolen and to regulate how your information is used.

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ACE Cash Express reviews and complaints

BBB accreditedNo
BBB ratingA+
BBB customer reviews1.2 out of 5 stars, based on 38 customer reviews
BBB customer complaints208
Trustpilot score4.5 out of 5, based on 10,540 customer reviews
Customer reviews verified as of11 February 2021
ACE Cash Express receives high praise on its Trustpilot page. Many customers state they’re happy with the service they got. Negative reviews all report the cost of borrowing was high — a common complaint for payday lenders. It has far less reviews on its Better Business Bureau (BBB) page, and customers are again displeased by the high cost surrounding borrowing from ACE.

Am I eligible?

ACE Cash Express only has a few set requirements:

  • Regular source of income
  • Valid Social Security number or Individual Taxpayer Identification Number (ITIN)
  • Active checking or savings account
  • Reside in a serviced state
  • At least 18 years old
  • Not involved in bankruptcy

If you apply online, you will also need to have an active phone number.

What states is ACE Cash Express available in?

ACE Cash Express has over 950 locations in 23 states — in addition to offering online loans in 11 states.

StateOnline loansIn-store loans
ArizonaNoneTitle loans
CaliforniaPayday loansPayday loans
ColoradoNoneInstallment loans
DelawareInstallment loansNone
FloridaInstallment loansPayday loans
IdahoPayday loansNone
IndianaNonePayday loans
KansasPayday loansPayday loans
LouisianaPayday loansPayday loans, installment loans
MinnesotaPayday loansPayday loans
MissouriInstallment loansPayday loans
New MexicoInstallment loansInstallment loans
OhioNoneInstallment loans
OklahomaNoneInstallment loans
OregonNonePayday loans, title loans
South CarolinaNonePayday loans
TennesseeNonePayday loans
TexasPayday loans, installment loansPayday loans, installment loans, title loans
VirginiaNoneInstallment loans

Some states — Arkansas, Georgia, Maryland, North Carolina, Pennsylvania — and Washington, DC have some in-store services but don’t offer loans.

What information do I need to apply?

To complete an application with ACE Cash Express, you will need to provide a few basic details, including:

  • Date of birth
  • Social Security number
  • Income per paycheck
  • Bank account details

If you choose to apply at an ACE Cash Express store, you will need to bring a valid government-issued photo ID as well as proof of income and proof of a checking account.

How do I apply?

ACE Cash Express allows you to apply online or at one of its store locations — but your exact options will be limited to the state you live in. To get started with an online application, hit the Go to site button or go to the ACE Cash Express website. From here, you’ll need to provide a few basic details about yourself, your employment and your income.
It’s important that you review the potential cost of your loan before you submit an application: ACE Cash Express may check your credit through Equifax, TransUnion, LexisNexis or FactorTrust, which could temporarily lower your credit score.
If approved, ACE Cash Express will provide you with loan documents to sign. These will outline your loan’s due date and total cost. Read it over carefully so you know exactly how much you owe and when you need to pay your loan.
Depending on your state, you may be able to pick up your cash at a store on the same day you apply. If not, you’ll need to wait one to two business days for your loan to process into your checking account.
You can also decide to return your loan. If you change your mind, cancel your loan within 72 hours by emailing, calling or visiting ACE Cash Express.

What are my repayment options?

If you choose an online loan, you can repay it online, at an ACE Cash Express location or by mail with a check or money order. If you choose an in-store loan, your options will depend on your state.
Florida, Kansas, Ohio, Texas and Virginia residents can opt to pay in store or online. Otherwise, you will need to visit the store where you applied to make your payment on or before the due date.
There are no fees for prepayment, and you may even be able to reduce the amount you pay overall by paying off your loan early. Late fees and other fees may vary — check your loan agreement for more details.

What other services does ACE Cash Express offer at its stores?

When you visit an ACE Cash Express store, you may also have access to the following services and products:

  • Checking and savings account from Pathward
  • Bill pay
  • Business check cashing
  • Personal check cashing
  • Prepaid debit cards
  • Prepaid mobile phones
  • Money orders
  • MoneyGram money transfers
  • Tax services

In addition, most stores have ATMs you can use to withdraw cash from your bank account.
Before you visit a store or apply online, take the time to compare your payday loan options and check out other lenders like to ACE Cash Express.

Short-term loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze short-term loan providers and similar services to help you weed out predatory lenders and find a company you trust. We rate providers on a scale of one to five stars. Our ratings are based on factors that are most important to you, which include: loan amount, application process, fees, customer reviews and borrower experience.
Read the full methodology of how we rate short-term loan providers and similar services.

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    Default Gravatar
    November 6, 2018

    Can I apply for a loan with ACE without a checking account

      Default Gravatar
      November 7, 2018

      Hi Candace,

      Thanks for leaving a question on finder.

      You need to have operational checking or savings account to be eligible for a loan with ACE. Without a checking or savings account, your loan options may come up short. But alternative services could be a way for you to bridge a financial gap without the need for your local bank. You can compare and read our guide on loan you can get without a bank account.

      Please send me a message if you need anything else. :)


    Default Gravatar
    October 21, 2018

    I am unemployed and I need a personal loan of 25000 which I will pay you back in 1 month l want to invest in the UK stock market

      Default Gravatar
      October 23, 2018

      Hi Hoseah,

      Thank you for reaching out to us.

      You may want to first compare unemployed short-term loans. On the table within the page, you will see the list of Lenders that can offer you a loan option as well as their eligibility requirements that you need to meet.

      On the same page, you may also read about the tips that can increase your chances of approval. Before submitting your application, kindly read the Lender’s Terms and Conditions as well as met their eligibility requirements.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions that you need assistance with.


    Default Gravatar
    September 27, 2018

    I paid off my Ace Cash Express loan early, how soon can I apply for another loan? I reside in California

      Default Gravatar
      September 27, 2018

      Hi Debbie,

      Thanks for leaving a question on finder.

      You can apply for a loan right away as long as you have paid off your previous loan. To apply online, all you need to do is fill out their simple application in their website. ACE’s paperless application process is convenient, secure and simple. Their simplified application process allows you to fill out and sign your loan documents on your computer without the need to fax unnecessary documentation.

      Please send me a message if you need anything else. :)


    Default Gravatar
    June 20, 2018

    How to claim my loan if you approve my loan …

      Default Gravatar
      June 21, 2018

      Hi Maribeth,

      Thanks for leaving a question on Finder.

      Once ACE Cash Express approves your application, you can receive funds on the same day by visiting an ACE Cash Express store, or you can wait for the money to transfer into your bank account on the next business day. You may press the “Go to site” button from our ACE Cash Express short-term loans review to start your application.


    Default Gravatar
    January 9, 2018

    I was Contacted by someone at Ace Cash express said I was approved for a loan I need my online banking username and password is this a legitimate site and are they supposed to be accessing my username and password

      January 9, 2018


      Thanks for reaching out to us. Please note that we are not affiliated with ACE Cash Express or any company we feature on our site and so we can only offer you general advice.

      ACE Cash Express has more than four decades of experience and offers an array of financial services from over 1,000 locations in the US.

      Payday lenders ask for your Internet banking details because it gives them a way to access your statements. This is one way payday lenders are able to process your payday loan application much faster than banks. Instead of you emailing your bank statements from the past three months, you provide your logins and the lender can access them instantly.

      When you hand over your login details, the payday lender you’re applying with will use a third-party company to access read-only copies of your statements. The payday lender will not have access to your account; it will only be able to see the information it needs to approve your application.

      Most lenders will still let you send copies of your statements as PDFs through email to be verified manually. Keep in mind that this process usually lengthens the turnaround time by a few days, so the “quick turnaround time” that is usually the lure of paydays will be lost. However, if you are concerned about handing over your Internet banking logins, find a lender that offers this option.

      Hope this information helped.

      Best regards,

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