4 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Installment loans from $100 to $2,000
  • Apply with no impact to your credit score
  • Apply online or instore across 850 branches
  • Easy application process
Pros & Cons
  • Fast payouts - immediate in physical stores
  • Small loans between $50 and $2,000 available
  • You have the option to cancel the loan within 72 hours
  • Loan amounts vary by state, and APRs are high
Author  Joe Chappius
Last updated: October 26, 2023
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ACE Cash Express Review (2023)

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:

Application process⭐⭐⭐⭐
Loan terms⭐⭐⭐⭐
Customer support⭐⭐⭐

Do We Recommend ACE Cash Express?

Yes, we recommend 5KFunds as a reliable lender marketplace. 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:

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 old
U.S. citizen
Active bank account
Regular income
Valid 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.

Chosen 13,547 times
  • Installment loans from $100 to $2,000
  • Apply with no impact to your credit score
  • Apply online or instore across 850 branches
  • Easy application process

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

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.


  • 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

Step 1

Start your application

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

Step 2

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.  

Step 3

Sign the documents

Sign and submit your loan documents online.

Step 4

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.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 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.com from verified users below.

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Reviews of ACE Cash Express

ACE Cash Express is rated 56 out of 316 companies in total rating and got an average review score of 4.9 based on 4 reviews. Their weakness is Interest & Costs and their strength is Flexibility & Terms.
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Jamie Huffman 3 reviews | December 3, 2023
General Review
Good experience overall. Competitive rates and offerings. Easy online appication and userfriendly interface. Instant money (within a few hours).
Overall happy with Ace Cash Express.
Post reply
Deangelo Boone 1 review | November 30, 2023
General Review
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 and I got my money straight away. The staff are very friendly and I felt the whole experience was simple and efficient.
Thank you Ace Cash Express. Happy customer.
Post reply
Layla Cole 8 reviews | August 30, 2022
General Review
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crisna sarsaba 5 reviews | March 17, 2022
General Review
Absolutely no credit score requirement.
None to share.
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