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ACE Cash Express short-term loans review

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This lender gives you options when you need short-term financing.’s rating: 3.4 / 5.0


ACE Cash Express has more than four decades of experience and offers an array of financial services from over 950 locations across the US. Along with a variety of other services, ACE Cash Express might be a solution to your short-term financial problems.

As fast as same business day

Turnaround time


Product NameACE Cash Express Short-term Loans
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+
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States where ACE Cash Express offers online loans:

  • California
  • Delaware
  • Florida
  • Idaho
  • Kansas
  • Louisiana
  • Minnesota
  • Missouri
  • New Mexico
  • Ohio
  • Texas

In certain states, ACE Cash Express offers loans at store locations only. These states include: Arizona, Colorado, Florida, Georgia, Indiana, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee and Virginia.

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 $5,000, depending on your state and whether you apply online or in-store.
  • Title loans. 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.

You’ll be charged different fees and interest rates based on your state of residence, your current financial situation and the type of loan you apply for. 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.

How do ACE Cash Express payday loans compare?

Data indicated here is updated regularly
Name Product Filter Values Max. Loan Amount Turnaround time Requirements
OppLoans Installment Loans
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Check Into Cash Payday Loan
1 to 2 business days
Bank account, email address, phone number, US citizen or permanent resident, ages 21+
Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.
Fast5kLoans Short-term Loans Connection Service
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
Same business day to 1 business days
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Possible Finance Mobile Installment Loans
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.

Compare up to 4 providers

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. You’ll still be responsible for the 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.

What to watch out for

  • Not all products available. Not every one of ACE Cash Express’s products are available in each state. Depending on your state’s laws and regulations, you may not be able to get the short-term loan product you want.
  • May not be the lender. In Texas and Ohio, ACE Cash Express isn’t a direct lender. Instead, it functions as a loan broker that charges a fee for connecting you to a loan. However, this is a common practice by many lenders.
  • High interest rates. Since lenders like ACE Cash Express offer loans with short repayment periods, you can expect to pay an APR that may be in the triple digits. ACE Cash Express may use information from national databases like TransUnion and LexisNexis in its credit decision — though having a good credit score may not get you lower interest rates when applying for a short-term loan.

Beware of high costs

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, and you should always read your contract thoroughly before signing. In addition to the interest and fees you’ll pay for borrowing, late or missed payments often incur additional fees, and it could have a negative impact on your credit score.

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. The ACE Community Fund has donated to organizations aimed at helping children, supporting education and promoting financial literacy.

A percentage of each purchase made with a Pink ACE Elite Card or through a Pink ACE Flare Account by MetaBank also goes to the National Breast Cancer 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.

Am I eligible?

  • 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

How do I apply?

Depending on where you live, you can apply at an ACE Cash Express location near you or online by following these steps:

  1. Click the Go to site button at the top of this page to be redirected to ACE Cash Express’s application.
  2. Select your state of residence, your loan amount and enter some personal information, including your full name and address.
  3. Create an account by providing your email address and phone number.
  4. Verify your identity by entering both your date of birth and Social Security number.
  5. Select whether you rent or own a house, if you are currently considering bankruptcy and if you are a member of the military.
  6. Read over the Electronic Disclosure and the Privacy Policy, then click Continue.
  7. Enter your financial information, including your source of income and your bank account numbers, then click Continue.
  8. Wait for ACE Cash Express to process your loan.

If approved, ACE Cash Express will provide you with loan documents to sign. These will inform you of your loan’s due date and the fees that will be charged for borrowing. Read it over carefully so you know exactly how much you’ll owe and when you’ll need to pay your loan by.

I got a short-term loan. Now what?

Once you have your loan, you can use the funds to pay for almost anything. The important part is to start planning for repayment. If you borrowed a payday loan, you’ll owe ACE Cash Express sooner than if you’d borrowed an installment loan.

You can choose to pay for your loan in-store or online. And if you have the money to pay your loan off early, you should — it could save you money on interest. If you don’t have enough to pay off your loan by your due date, contact ACE Cash Express. Depending on your state, you may be able to refinance or roll over your loan amount, but this will cost you extra money.

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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.

However, you should still take the time to compare your short-term loan options and check out lenders similar to ACE Cash Express before you make a final decision.

Frequently asked questions

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 can 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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  1. 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 an 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 here.

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


  2. 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 compare the Unemployed Short Term Loans at this page. 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.


  3. 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. :)


  4. 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. To start your application, please go HERE.


  5. 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

    • Avatarfinder Customer Care
      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,

  6. Default Gravatar
    December 22, 2017

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

    • Avatarfinder Customer Care
      December 23, 2017

      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.


  7. Default Gravatar
    June 13, 2017

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

    • Avatarfinder Customer Care
      June 15, 2017

      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.


  8. Default Gravatar
    June 1, 2017

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

    • Avatarfinder Customer Care
      June 18, 2017

      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.


  9. Default Gravatar
    February 28, 2017

    Can you get a loan on an efile tax return?

    • Avatarfinder Customer Care
      July 19, 2017

      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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