ACE Cash Express Review (2025)

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.

How We Rate ACE Cash Express:

At Financer.com, all lenders go through a thorough research and review process. Here's 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:

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.

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.

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.

ACE Cash Express Pros and Cons

Pros

• Small loans between $50 and $2,000 available

• You have the option to cancel the loan within 72 hours

• You can apply online in minutes

• You can make cash withdrawals in-store

ACE offers very fast payouts and you can either get cash immediately from one of their physical locations, or online with payouts as soon as the next day.

Loan applications are very easy to do online, just keep an eye out for the APRs.

Cons

• Loan amounts vary by state, and APRs are high

• Not all loans, or all types of loans, are offered in all states

Loans are not available to military personnel as the Military Lending Act prohibits loan APRs from exceeding 36%. Some loans are available from ACE's physical locations (view the list of states here).

How to Apply for an ACE Cash Express Loan

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.com 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 Alternatives

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

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.com from verified users below.

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