ACE Cash Express payday loans review September 2018 |

ACE Cash Express Payday Loans

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This lender gives you options when you need short-term financing.

ACE Cash Express has more than four decades of experience and offers an array of financial services from over 1,000 locations across the US. Along with a variety of other services, ACE Cash Express might be a solution to your short-term financial problems.

Min Loan AmountVaries by state
Max. Loan AmountVaries by state
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround TimeGenerally receive the money the next business day
CostsVaries depending upon the state where you reside.
RequirementsMust be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.


  • Apply online in minutes.
  • Get an instant decision.
  • Fast cash available.


  • Online Payday loans available in select states only.
  • Must have a steady source of recurring income payments.
  • You must reside in the state you choose for your loan application.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case.
  • You must not be a regular or reserve member of the military.

States where ACE Cash Express offers loans:

  • Arizona
  • Arkansas
  • California
  • Colorado
  • Florida
  • Georgia
  • Indiana
  • Kansas
  • Louisiana
  • Maryland
  • Minnesota
  • Missouri
  • New Mexico
  • North Carolina
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington DC

What types of loans does ACE Cash Express offer?

Depending on your needs and state of residence, ACE Cash Express allows you to apply for a variety of loans. These short-term options are helpful in emergency situations but shouldn’t be used as a long-term financial solution.

  • Payday loans. Payday loans are repaid in one lump sum. ACE Cash Express offers different amounts for online and in-store applicants based on state laws, but you may be able to borrow anywhere from $100 to $1,500.
  • Installment loans. Installment loans are ideal for people who need more time to repay a loan. You’ll be able to pay your loan back over a few months, and may have access to loan amounts ranging from $200 to $2,000 depending on your state and whether you apply online or in-store.
  • Title Loan. ACE Cash Express only offers title loans in a few select states. The amount you’re able to borrow depends on your car and the regulations set by your state.

Debit card loans

ACE Cash Express offers loans that can be loaded onto an ACE Elite Visa prepaid debit card. If you’re a first-time borrower, it’ll take 7 to 10 business days to receive the card in the mail after you request one online. Once you have your debit card, you’ll generally receive your loan amount on the card within one business day.

What are the benefits of borrowing from ACE Cash Express?

ACE Cash Express payday loans offer a number of beneficial features. When comparing loans, keep the following in mind.

  • 72-hour guarantee. Your ACE Cash Express payday loan comes with a 72-hour satisfaction guarantee. You can return the full loan amount within 72 hours if you change your mind.
  • Quick process. The online application is quick, and you should receive your funds as an electronic deposit. If you don’t want to wait a day or two for this transfer, you may be able to pick up your cash at a branch location on the same day you apply.
  • No collateral. Payday and installment loans are unsecured, so you don’t have to worry about providing collateral. If you choose to apply for an auto title loan, you’ll be borrowing against the title of your vehicle.
  • No prepayment penalty. You can pay your loan off ahead of time without paying an extra fee. In certain states, you may even be eligible for a complete or partial refund of applicable loan fees.
  • No faxing. ACE Cash Express relies on online verification of credentials so you don’t have to fax any ID or financial documents as part of the application process.

Costs to consider

Depending on your state of residence, your current financial situation and the type of loan you apply for, you’ll be charged different fees and interest rates. Like all lenders, ACE Cash Express presents you with a loan agreement that requires your acceptance before disbursement of funds. This document gives you a clear picture of all associated costs. If you don’t like the terms, you’re under no obligation to sign.

Like all short-term loan options, the loans offered by ACE Cash Express have higher interest rates than traditional loans from a bank or credit union. You should avoid borrowing more than you can afford. Late or missed payments often incur additional fees and could have a negative impact on your credit score.

How do ACE Cash Express payday loans compare?

Rates last updated September 18th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
LendYou Payday Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
As early as 1 business day
Monthly income of $1,000+ after taxes and valid checking account.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
ACE Cash Express Payday Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

Is Ace Cash Express legit?

Yes. ACE Cash Express is a legit lender that follows positive lending practices. In addition to this, ACE Cash Express runs the ACE Community Fund, a corporate giving program founded in 2004. ACE Cash Express has donated over $5 million to charitable organizations aimed at helping children, supporting education and promoting financial literacy. If you take out a payday loan with its Pink ACE Light Visa Prepaid Debit Card, you can show your support to the National Breast Cancer Foundation. A portion of each purchase made with this card is donated to the foundation.

Are ACE Cash Express loans safe?

Yes. ACE Cash Express is 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.

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.

How to apply for a payday loan from ACE Cash Express

Applying online takes around 5 to 10 minutes. Before you start your application, make sure you meet the eligibility criteria listed below:

  • Must reside in a serviced state
  • Uninvolved in bankruptcy
  • Have an operational checking or savings account
  • Have a steady source of income
  • Be at least 18 years old

To complete the application, you’ll need to provide additional information, including:

  • Your complete name, address, home phone number and email
  • Your date of birth, government-issued ID and Social Security number
  • Details about your employment and income

Are payday loans legal in your state?

Hover over your state of residence (or click on your state if you’re using a mobile device) to find out if payday loans are legal in your state.

Bottom line

ACE Cash Express offers transparent short-term loans that could be helpful to you when you’re stuck with an unexpected expense. While you will have to pay potentially high interest rates to borrow, the clear terms and ability to borrow both in-store and online set ACE Cash Express apart from its competitors.

Frequently asked questions

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12 Responses

  1. Default Gravatar
    MaribethJune 20, 2018

    How to claim my loan if you approve my loan …

    • finder Customer Care
      joelmarceloJune 21, 2018Staff

      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. To start your application, please go HERE.


  2. Default Gravatar
    OnlineJanuary 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

    • finder Customer Care
      RenchJanuary 9, 2018Staff


      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,

  3. Default Gravatar
    RobinDecember 22, 2017

    I applied online for a loan Friday morning will it be in my account Saturday morning

    • finder Customer Care
      RenchDecember 23, 2017Staff

      Hi Robin,

      Thanks for your inquiry. 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.

      If you are referring to ACE Cash Express payday loan, you can find out about your application status soon after applying online. If they approve your loan application, you can visit an ACE Cash Express store to collect your loan on the same day or wait for it to transfer into your bank account by the next business day.

      I suggest contacting ACE Cash Express directly to further inquire about your application.


  4. Default Gravatar
    TraceyJune 13, 2017

    If I paid my loan on time and everything is the same can I do another loan?

    • finder Customer Care
      HaroldJune 15, 2017Staff

      Hi Tracey,

      Thank you for your inquiry.

      Typically, you can only have one loan out at a time, so you would need to pay it and close it before taking out another. Please remember “requirements” may vary by your state of residence so be sure to conform with Ace when you apply.

      I hope this information has helped.


  5. Default Gravatar
    MaudieJune 1, 2017

    Do assist clients who receives social security? And receive a check once a month.

    • finder Customer Care
      AnndyJune 18, 2017Staff

      Hi Maudie,

      Thanks for your question.

      ACE Cash Express handles clients who are receiving benefits on a case-to-case basis.

      Alternatively, you can check this page to compare lenders that may consider you for a loan.


  6. Default Gravatar
    SuzzaneFebruary 28, 2017

    Can you get a loan on an efile tax return?

    • finder Customer Care
      HaroldJuly 19, 2017Staff

      Hi Suzzane,

      Thank you for your inquiry.

      While most lenders do not consider efile tax return as a source of income. You may want to review the list of lenders here as well as the requirements they usually require. This will help you to compare the offers and choose the lender that has the best match based on your personal criteria.

      I hope this information has helped.


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