ACE Cash Express Review and Complete Guide (2025)

Written by Joe Chappius

- Dec 4, 2025

Adheres to
Reviewed by Ricardo Laizo

ACE Cash Express offers impressive convenience with 850+ locations, diverse financial services beyond loans, and fast funding options that serve underbanked communities.

Their streamlined application process and strong customer service earn high marks. However, their extremely high interest rates (reaching 630% APR) present serious concerns about long-term financial impacts on vulnerable borrowers.

  • Wide Accessibility: With over 750 store locations across the United States, ACE Cash Express provides convenient access to financial services for customers in many communities.

  • Diverse Financial Services: The company offers a wide range of services beyond just payday loans, including check cashing, money transfers, bill payments, money orders, and prepaid debit cards, creating a one-stop shop for various financial needs.

  • Immediate Cash Access: ACE provides customers with instant access to cash through their check cashing services and short-term loans, which can be crucial for those facing emergency expenses.

How ACE Cash Express compares - Financer Score™

Financer score™ is our own point system which is updated live and based on several criteria that gives you a balanced view of the company quality.

Financer Score™83

Pricing

40

ACE Cash Express offers payday, installment, and title loans with high APRs typically exceeding 300% for payday loans, plus additional fees varying by state. Costs are above market average.

Customer Support

70

During our testing, we received a response in less then 1 day. But the support team avoided answering our enquiry, redirecting to phone and asking for too much personal information. All-in-all, email support not that helpful.

Terms and Flexibility

60

Loan amounts from $100 to $2,000 provide reasonable options for short-term needs. Availability limited to only 7 states for online loans (store presence in 23 states) significantly restricts accessibility. Short repayment terms may create pressure.

Popularity

95

The popularity score indicates the percentage of customers choosing this company the last 90 days.

Customer Experience

98

While some customers report friendly in-store service and appreciate quick access to funds, these positive experiences are overshadowed by widespread complaints about predatory lending practices, high interest rates, and aggressive collection tactics

Review this companyRead reviews (5)

Ace Cash Express Loan in ACE Cash Express – Details

Terms & fees

Loan amount$100 - $2,000
Term14 days - 3 months
Annual interest rate91.52% - 630.13%
Origination feeVaries by state and loan type
Monthly feesVaries by state and loan type

Requirements

Minimum age18
Minimum income$0
National bank requiredYes
National phone number requiredYes
Citizenship requiredYes
Electronic identificationYes

Features

Cosigner possibleNo
Revocation periodNo
Accept bad credit historyYes
Weekend payoutNo
Loan extensionsNo
Early paybackYes
Payment within 24 hoursYes
Loan brokerNo
Interest free loanNo

Additional fields

Payment hoursAlways Open
High approval rateNo
Recommended companyYes

Company information – Details

Company nameACE Cash Express
Websitehttps://www.acecashexpress.com/
Phone(866) 223-2274
Emailcustomerservice@acecashexpress.com
Address300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062
Get started

ACE Cash Express is a loan company that offers installment loans and payday loans from $100 to $2,000, depending on the state you're in.

Founded in 1968, ACE Cash Express offers personal installment loans in small amounts, to help consumers cover short-term financial needs.

The company has a fast application process online and offers personal installment loans in various U.S. states.

There are no application fees and applying won't hurt your FICO® score.

Apply for an ACE Cash Express loan \u003e

How We Rate ACE Cash Express:

At Financer, all lenders go through a thorough research and review process. Here's how we rate ACE Cash Express:

CategoryRating
Affordability⭐⭐⭐
Application process⭐⭐⭐⭐
Loan terms⭐⭐⭐⭐
Transparency⭐⭐⭐⭐
Customer support⭐⭐⭐
Overall⭐⭐⭐⭐

Do We Recommend ACE Cash Express?

Yes, we recommend Ace Cash Express as a reliable payday lender. Skip to our full review below and see how we rate ACE Cash Express.

Here's what we'll cover in this review:

Want to skip the details? Jump to our final verdict here.

ACE Cash Express Loans

ACE Cash Express loans are available online as well as in-store in various U.S. states. There are more than 850 ACE locations across 23 states and the maximum loan amount depends on the state you're in.

Here's a quick summary of ACE Cash Express:

OverviewFeatures
Loan type:Personal loans
Loan amount:$100 - $2,000
Loan term:1 - 3 months
APR:91.52% - 630.13%
Min. credit score:None
Monthly fees:None
Payout time:Up to one business day
Weekend payout:No
Requirements:At least 18 years oldU.S. citizenActive bank accountRegular incomeValid phone number and email

If you're approved for a loan, ACE can fund your debit card, deposit to your bank account directly, or you can pick up cash in-store.

In addition to payday loans, installment loans, title loans, and debit cards, ACE Cash Express offers a range of other financial products:

  • Check cashing

  • Bill pay

  • ATM services

  • Money transfers

  • Tax services

You can cash your tax refund at ACE at their various stores and you can get cash on the spot, even for larger checks. Depositing your tax refund directly to your account is typically faster than waiting for the check to arrive.

ACE offers money transfers to anywhere in the U.S. as well as over 200 countries worldwide. They use MoneyGram to ensure security and you have options for same-day and three-day services.

You can send money at more than 850 ACE Cash Express locations or online.

Need to withdraw cash? You can avoid ATMs and withdraw cash as low as $5 at all ACE Cash Express locations. You can also do balance inquiries.

Installment Loans

ACE Cash Express offers installment loans from $100 up to $2,000, depending on the state you're in. For example, online loan limits in Missouri, New Mexico, and Texas range from $100 to $2,000, while loans in Florida are capped at $1,000.

Apply now \u003e

If you want to apply for an installment loan in-store, the limits in the different U.S. states are as follows:

  • Colorado: $100 - $1,000  

  • Florida: $100 - $1,000  

  • Louisiana: $400 - $700  

  • Missouri: $100 - $2,000  

  • New Mexico: $100 - $2,000  

  • Ohio: $100 - $1,000  

  • Oklahoma: $50 - $700  

  • Texas: $100 - $2,000 (not available in Austin or Dallas) 

  • Virginia: $100 - $1,000 

Payday Loans

ACE Cash Express offers payday loans with instant funding options online as well as in-store. Payday loans are available from $100 up to $2,000.

Payday loans are a good option if you need a short-term loan that you can repay on your next payday. If you need to take out a larger loan over a longer period, consider an installment loan.

Cash Advance

Cash advances from ACE are available in small amounts which are ideal to cover unexpected expenses until your next payday arrives.

You can get a cash advance online the application process only takes a few minutes. You can also cancel your cash advance loan within 72 hours.

Next day funding is available for cash advances.

Apply for a cash advance \u003e

Title Loans

Title loans allow you to put up your vehicle as collateral for a loan. With ACE you can apply for a title loan and if approved, you continue to drive your car.

Title loan amounts vary depending on the state you're in and title loans are available in Arizona, Louisiana, Oregon, and Texas.

Note: Title loans from ACE Cash Express are only available in-store.

ACE Cash Express Locations

ACE has more than 850 stores across 23 states in the U.S. You can find a sore in these states:

Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Indiana, Kansas, Louisiana, Maryland, Minnesota, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.

Looking for loans in other states? Compare lenders in all U.S. states that accept online loan applications.

How to Apply for an ACE Cash Express Loan

Start your application

Go to ACE Cash Express online and fill in your basic details to get started.

Add your details

Next, you'll need to provide more details including your personal contact information, the loan amount you need, your Social Security number, and employment details.

Sign the documents

Sign and submit your loan documents online.

Get funded

Once approved, you can get your funds as soon as the next day via bank transfer, funding to your debit card, or via in-store pickup.

Who is an ACE Cash Express Loan Good for?

If you're looking for a small, short-term personal loan, ACE Cash Express can be an option. It gives you quick access to funds and gives you a range of loan terms.

But always make sure you understand the terms you're agreeing to, especially when it comes to APRs. ACE's payday loan APR rates can go into the triple digits and it may become expensive to borrow this way.

How Financer Rates ACE Cash Express

ACE Cash Express has a straightforward online application process with fast payouts and the option to cancel a loan within 72 hours.

Funding is fast and easy. Have your ACE Cash Express payment deposited into your account, or collect your money from an ACE Cash Express near you.

One of the downfalls is that you can't get an ACE Cash Express loan in all states. ACE Cash Express loans are only available in 23 states.

Customer Support

ACE's customer support can be reached via phone or email. They also have specific departments to handle collections or corporate inquiries.

Is ACE Cash Express legit? Yes. ACE has more than 850 locations throughout the U.S. and offers online installment loans as well as cash loans in-store.

Read more ACE Cash Express reviews below.

ACE Cash Express FAQs

How much can you borrow from ACE Cash Express?

You can borrow between $100 and $2,000 depending on the state you're in.

How can I loan money instantly?

YOu can apply for an ACE Cash Express loan online and within minutes.

Where are ACE Cash Express stores?

There are more than 850 ACE Cash Express stores in 23 states throughout the U.S.

ACE Cash Express Alternatives

Here's a list of alternatives to ACE Cash Express and how they compare:

LenderReviewsLoan AmountAPRMax. Loan TermBad Credit?
PersonalLoans.comView$500 – $35,0005.99-35.99%Up to 6 yearsYes
BadCreditLoansView$500 – $5,0005.99-35.99%Up to 2 yearsYes
CashUSA.comView$500 – $10,0005.99-35.99%Up to 6 yearsYes
Fast5KLoansView$500 – $35,0005.99-35.99%Up to 5 yearsYes

More ACE Cash Express Loan Reviews

What Users On the Web Are Saying

ACE Cash Express gets 4.7 out of 5 stars on Trustpilot, with most tusers being very happy with the service they received:

Some users were unhappy about their accounts being hacked, but it seemed to have been sorted out by ACE in most cases.

More User Reviews - Add Your Rating

Read more reviews on Financer from verified users below.

Have you used ACE Cash Express before? Leave your review now.

Latest Reviews

RK

Robert K

Upsides

Ace Cash Express has been my go-to for quick financial solutions, and I couldn't be more satisfied. The service is fast, and the staff is always friendly and professional.

Downsides

none that I can elaborate on

JP

Jennifer P

Upsides

Good experience overall. Competitive rates and offerings. Easy online appication and userfriendly interface. Instant money (within a few hours).

Downsides

Overall happy with Ace Cash Express.

DH

David H

Upsides

Great customer services at ACE Cash Express. I could apply online easy and when I went into their store they helped me pretty much instantly with no hassle. The whole process was smooth and efficient.

Downsides

Thank you Ace Cash Express. Happy customer.

LC

Layla Cole

Upsides

No upsides mentioned

Downsides

No downsides mentioned

CS

Crisna Sarsaba

Upsides

Absolutely no credit score requirement.

Downsides

None to share.

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