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Sites like ACE Cash Express

These six alternative lenders offer payday loans and installment loans.

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Kellye Guinan
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ACE Cash Express is a unique lender that offers online and in-store loans. It’s one of the few lenders that lets you return your funds if you decide against borrowing, and you could get your funds the same day you apply at one of its many storefront locations — there are over 950 locations across the US.

But it’s not super 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 similar companies like ACE Cash Express with comparable products.

Loans like ACE Cash Express:

Alternative for low rates

OppLoans Installment Loans

4.4 / 5 ★★★★★

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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.
  • Not available in: Colorado, Connecticut, Georgia, Illinois, Iowa, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, South Dakota, Vermont, West Virginia
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 - $4,000
Interest rate typeFixed
Loan Term6 to 18 months
Turnaround time1 business day

Alternative for quick payday loans

Check Into Cash Payday Loan

4.5 / 5 ★★★★★

Read Review
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.
  • Available in: Alabama, Alaska, Arkansas, California, Colorado, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Nevada, Oklahoma, Oregon, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
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$50 - $1,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround time1 to 2 business days

Alternative for in-store services

Check 'n Go Payday Loans

Read Review
Like ACE Cash Express, Check 'n Go offers loans online and in store. It's 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.
  • Available in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont
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

Alternative for loans and other financial products

CashNetUSA Loan

3.6 / 5 ★★★★★

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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 expensive form of credit. In addition, it faced government action in 2015 and receives mixed customer reviews.
  • Available in: Alabama, Alaska, California, Delaware, Florida, Hawaii, Idaho, Illinois, Kansas, Louisiana, Maine, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, Wyoming
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$500 - $3,000
Interest rate typeFixed
Loan TermVaries by state
Turnaround timeAs fast as same business day

Alternative for transparent payday loans

Check City Payday Loan

4.3 / 5 ★★★★★

Read Review
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.
  • Available in: Alabama, Alaska, California, Colorado, Hawaii, Idaho, Illinois, Kansas, Missouri, Nevada, North Dakota, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming
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

Alternative for comparing lenders

CashUSA Installment Loans

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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%.
  • Not available in: New York
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

1 - 0 of 0
Updated regularly
Name Product Filter Values Loan amount Turnaround time Requirements
BadCreditLoans.com
BadCreditLoans.com
$500 to $10,000
As soon as next business day
Depends on lender requirements, poor credit borrowers may still be able to qualify for a loan. Must live in an eligible state.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Go to site
More Info
MoneyLion Instacash advances
MoneyLion Instacash advances
$250, $300 with RoarMoney account
3 to 5 business days to external checking account, 12 to 48 hours to RoarMoney account
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
Go to site
More Info
OppLoans Installment Loans
OppLoans Installment Loans
$500 to $4,000
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.
Go to site
More Info
CashNetUSA Loan
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.
Go to site
Fast5kLoans Short-term Loans Connection Service
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.
Go to site
More Info
LendYou Short-term Loans
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.
Go to site
More Info
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Compare up to 4 providers

How does ACE Cash Express compare?

ACE Cash Express is a long-standing lender with over 40 years of experience in the industry with over 950 locations across the US. It has a minimum loan amount of $100 and a max of $5,000. The cost of ACE’s loans depends on the state you’re in, but turnaround time can be as quick as one business day.

ACE Cash Express can be a great option if you only need a small amount and can repay the loan in a few days.

Pros

  • 72-hour return period
  • 950+ store locations
  • Same-day funding available

Cons

  • Loan options vary by state
  • Not upfront about costs
  • Mixed customer reviews

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