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Sites like ACE Cash Express

These six lenders offer payday loans and installment loans.

Editor's choice: Fast5kLoans Short-term Loans Connection Service

Fast5kLoans Short-term Loans Connection Service logo
  • Wide range of loan amounts
  • Variety of loan terms
  • Quick process
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ACE Cash Express is a unique lender that offers online and in-store loans. Its one of the few that lets you return your funds if you decide against borrowing, and you’ll be able to get your money as soon as the same day when you apply at one of its many storefront locations.

But its not upfront about its costs. So if you’re looking for alternatives that will let you know exactly how much you’ll pay, we’ve compiled a brief list of competitive lenders like ACE Cash Express.

  • 72-hour return period
  • 950+ store locations
  • Same-day funding available
  • Loan options vary by state
  • Not upfront about costs
  • Mixed customer reviews

6 sites like ACE Cash Express

OppLoans Installment Loans

4.4 / 5 ★★★★★

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on OppLoans's secure site
OppLoans is a highly rated online lender. Like ACE Cash Express, you can borrow up to $5,000 through an installment loan. But unlike ACE Cash Express, there are no storefront locations — which means you won't have access to services like check cashing and prepaid debit cards. That being said, it is one of the most upfront lenders. OppLoans is still a pricey option, but its maximum APR is 160%, which is much lower than most other lenders.
Pros
  • APR capped at 160%
  • Reports to credit bureaus
  • Positive customer reviews
Cons
  • No storefront locations
  • Must receive income through direct deposit
Loan amount$500 - $5,000
Interest rate typeFixed
Loan Term9 to 24 months
Turnaround time1 business day

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Check Into Cash offers payday loans and installment loans both online and at its stores. However, it requires you to be at least 21 to apply in most states. And while it's more transparent about costs than other lenders, you can expect a typical APR over 300%. This isn't uncommon for short-term loans, but it can still be hard to handle if your loan term is only two weeks.
Pros
  • Same-day funding available
  • Apply online and pick up cash in store
  • Offers small loans of $50
Cons
  • Typical APR over 300%, depending on state
  • Must be 21+ to apply
  • Short terms for payday loans
Loan amountVaries by state
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Check 'n Go Payday Loans

Like ACE Cash Express, Check 'n Go offers loans online and in store. Its upfront about its costs — an important factor when you're taking out an expensive loan — and offers services like prepaid debit cards. But like many lenders, it receives mixed customer reviews. Plus it limits how much you can borrow with an installment loan, which may not meet your financial needs.
Pros
  • Same-day funding available
  • Upfront about costs
  • Variety of in-store services
Cons
  • Mixed customer reviews
  • Low maximum loan amount
Loan amount$100 - $1,500
Interest rate typeVariable
Loan TermVaries upon state
Turnaround timeAs soon as the same day

CashNetUSA Loan

3.6 / 5 ★★★★★

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on CashNetUSA's secure site
CashNetUSA is another online lender — but it offers lines of credit in addition to payday loans and installment loans. The exact type of funding you qualify for, and how much you can borrow, will depend on your state. And while CashNetUSA is upfront about its costs, it's still an expesnive form of credit. In addition, it faced government action in 2015 and receives mixed customer reviews.
Pros
  • Same-day funding available
  • Upfront about potential costs
Cons
  • Typical APR over 300%
  • Low maximum loan amount
  • Faced government action in 2015
Loan amount$100 - $1,800
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Check City Payday Loan

4.3 / 5 ★★★★★

Check City offers loans at its stores and online. But unlike ACE Cash Express, its reach is limited. It only works in 15 states — and only four have store locations with same-day funding. But it's upfront about the cost of your loan and receives decent reviews.
Pros
  • Same-day funding available
  • Upfront about potential costs
  • Positive customer reviews
Cons
  • Only has locations in four states
  • APR may reach 900%
Loan amountDepends on state of residency
Interest rate typeVariable
Loan TermVaries by state
Turnaround timeSame business day to 1 business days

CashUSA Installment Loans

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on CashUSA.com's secure site
Unlike the other lenders on our list, CashUSA is a connection service. This means it works with a variety of lenders to help you find the best option. So while you won't work directly with it, you may be able to find a legit lender that offers loans up to $10,000. And the lenders in its network offer competitive rates. You won't face an APR more than 35.99%.
Pros
  • APR capped at 35.99%
  • Bad credit OK
  • Debt education resources available
Cons
  • Not a direct lender
  • No list of lenders in its network
Loan amount$500 - $10,000
Interest rate typeFixed
Loan Term90 days to 72 months
Turnaround timeAs fast as same business day

Compare more loans like ACE Cash Express

Name Product Filter Values Loan amount Turnaround time Requirements
OppLoans Installment Loans
$500 to $5,000
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.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Stilt
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
No green card? You could still qualify for a personal loan.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
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
$100 to $2,500
Same business day to 1 business day
$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.
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