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Sites like ACE Cash Express
These six lenders offer payday loans and installment loans.
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 ★★★★★
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 type | Fixed |
| Loan Term | 9 to 24 months |
| Turnaround time | 1 business day |
| Loan amount | $500 - $5,000 |
|---|---|
| Turnaround time | 1 business day |
| Online application | Yes |
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 amount | Varies by state |
|---|---|
| Interest rate type | Fixed |
| Loan Term | Varies by state |
| Turnaround time | 1 to 2 business days |
| Loan amount | Varies by state |
|---|---|
| Turnaround time | 1 to 2 business days |
| Online application | Yes |
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 type | Variable |
| Loan Term | Varies upon state |
| Turnaround time | As soon as the same day |
| Loan amount | $100 - $1,500 |
|---|---|
| Turnaround time | As soon as the same day |
| Online application | Yes |
CashNetUSA Loan
3.6 / 5 ★★★★★
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 type | Fixed |
| Loan Term | Varies by state |
| Turnaround time | As fast as same business day |
| Loan amount | $100 - $1,800 |
|---|---|
| Turnaround time | As fast as same business day |
| Online application | Yes |
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 amount | Depends on state of residency |
|---|---|
| Interest rate type | Variable |
| Loan Term | Varies by state |
| Turnaround time | Same business day to 1 business days |
| Loan amount | Depends on state of residency |
|---|---|
| Turnaround time | Same business day to 1 business days |
| Online application | Yes |
CashUSA Installment Loans
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 type | Fixed |
| Loan Term | 90 days to 72 months |
| Turnaround time | As fast as same business day |
| Loan amount | $500 - $10,000 |
|---|---|
| Turnaround time | As fast as same business day |
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