ACE Cash Express
Apply for payday or installment loans with a quick approval process. Flexible repayment terms, broad state coverage, and convenient cash options—no impact on FICO® score from applying.
ACE Cash Express offers payday and installment loans to help you cover short-term expenses like bills, repairs, or emergencies. Typical payday loans must be repaid by your next paycheck, while installment loans provide flexible, equal payments over weeks or months. Approval can be instant, providing you with quick access to needed funds. While interest rates and terms vary by state, ACE Cash Express strives for transparency, outlining all costs before you commit to a loan. No hard credit inquiry is required, so your FICO® score remains unaffected.
How to Apply: Step by Step
- Choose your state and preferred loan product.
- Fill in basic information (name, address, income) on the application form.
- Submit your application online or at a local ACE store.
- Receive an instant decision on approval.
- If approved, select your funding method and receive your cash—sometimes instantly.
Pros of ACE Cash Express
ACE Cash Express provides fast approval, often within minutes, which can be a relief when unexpected bills hit. Their services are available online and in-store in many states, so access is convenient for a large portion of U.S. residents.
Borrowers can choose payday loans for a single lump-sum repayment or opt for installment loans to spread payments over time. Returning customers enjoy a satisfaction guarantee: you can return the principal within 72 hours if you change your mind, fee-free.
Cons of ACE Cash Express
Short-term loans from ACE Cash Express tend to carry higher interest rates and fees compared to traditional loans, potentially making borrowing expensive for some users. Not every product is available in every state due to local lending laws, so availability can be limited.
If you’re not careful with on-time repayment, costs can escalate quickly. Additionally, while there’s no credit penalty for applying, approval is not guaranteed.
Our Verdict
ACE Cash Express can be a helpful option for those facing financial shortfalls and needing cash quickly. The application is user-friendly, and the ability to choose between payday and installment loans adds flexibility. However, borrowers should read terms closely and consider total repayment amounts before making a decision.
