Payday Lenders
ACE Cash Express Review
Storefront and online payday, installment, and title loans.
CashCompassPro rating
High-cost option
Cost / APR
200% – 700% (state-dependent)
Amounts
$100 – $5,000
Funding speed
Same day in-store
Credit review
Varies by state and eligibility
Products
Payday, installment, title, check cashing
Loan amounts
$100 – $5,000
APR range
200% – 700% (state-dependent)
Funding speed
Same day in-store
Footprint
~900 storefronts plus online
Overview
ACE Cash Express operates ~900 storefronts plus an online platform, offering payday, installment, and title loans. It's accessible and fast but uniformly expensive — credit-union PALs, earned-wage apps, and bad-credit installment lenders are almost always a better starting point.
Who ACE Cash Express may be best for
Borrowers comparing lender options, costs, approval requirements, funding speed, and alternatives before submitting a request.
What to watch before applying
Review APR, fees, repayment timing, availability, and the total repayment amount before accepting any offer.
Pros
- Wide storefront footprint
- Multiple product lines
- Same-day in-store funding
Cons
- Very high APRs
- Single-payment payday structure in many states
- Title loans carry repossession risk
Eligibility & requirements
- Active checking account
- Verifiable income
- Government-issued ID
Compare ACE Cash Express to other options
Use the review details, calculators, and alternatives below before submitting a request.
Submitting a request does not guarantee approval or funding.
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Alternatives to ACE Cash Express
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Questions
Frequently Asked Questions
Clear answers to common questions before you compare loan options or apply.
Reviewed by the CashCompassPro editorial team. CashCompassPro is not a lender and does not make credit decisions. See our editorial guidelines and fact-checking policy. Browse all lender reviews.