ACE Cash Express Loan Review

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ACE Cash Express Loans is there for you when you need it most. They are a company that’s been helping people in financial crises for years. If you require quick cash, you can count them as one of your options. We’ve all been in a place before when we need to make rent, pay bills, or fix up our car. Life throws us unexpected curve balls all the time. It’s good to know that there are many loan options out there.

When considering a loan company, you must understand all the terms. A contract is legally binding, which is why you need to consider who you sign with carefully. We’ve dug deep to discover if ACE Cash Express is worth signing with or not.

What Are Payday Loans?

Payday loans are useful if you need a short-term loan and can pay it back by your next paycheck. A payday loan can be helpful if you’re concerned about paying rent, bills, or other small purchases. The only difference is that you’d be paying an interest charge on loan.

This interest charge can range, and sometimes you could end up paying more than twice what you borrowed. But, that option is better than missing a payment on a bill. Either way, carefully consider a payday loan and if you can repay it.

What Are Installment Loans?

If you need instant cash and can’t pay off the loan by your next paycheck, you can get an installment loan. Installment loans work similarly to payday loans, except you’ll have more time to pay off the loan and interest.

They have lower interest rates as well, but remember that the interest will build up after time. They are an excellent alternative to payday loans if you don’t think you can afford to pay back the loan in 1-2 paychecks.

How Does the Borrowing Process for Ace Cash Express Work?

ACE Cash Express works to make the loaning process as hassle-free as possible. There are three easy steps to getting the funds you need quickly. First, you need to fill out their online form.

Their application process can take less than 30 minutes to fill out online. If you don’t want to input your online information, you can either apply it by phone or at an ACE store near you. However, they don’t have physical stores in each state.

After you fill out your application, you will need to wait to be approved. If you are, then you can accept the terms and rates of the loan. This will list the contract and interest rates. Lastly, if approved, you’ll get cash deposited into your account in less than 24 hours.

Is There a Minimum and Maximum to How Much You Can Borrow from Cash Express?

At ACE Cash Express, there are different loan amounts for each state. The company isn’t eligible in all states, so it’s best to see which states they cover. If you are approved, you can get a minimum ranging from $100 to $300 depending on what state you are in. As a maximum, this changes anywhere from $300 to $1,500.

As you can see, the amount varies a lot. To get an actual accurate estimate on how much you’ll get, check out their website. Their FAQ page lists the state’s maximums and minimum loan amounts if you click on the question, “Are payday loans available in my state? How much can I borrow?”.

What Are the Associated Ace Cash Express Loans & Fees?

Yes, the company does have a few different fees and interest rates, but they are different for each state. We’ve checked online, and we can’t seem to pinpoint any of the listed amounts. Luckily, we found out that you can see the additional charges and APR rates for the state you’re in when they propose a contract to you.

Non-payment and Late Fees for Ace Cash Express

If you don’t pay ACE Cash Express, you will get charged late fees and have additional interest/charges made to your account. We’ve encountered numerous problems getting information from this website for their rates/fees due to terms changing per state.

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Borrower requirements
  • Age 18years or older
  • Have regular income
  • US citizen or permanent resident
  • Have a valid bank account
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  • Credit or Debit card
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Is Ace Cash Express a Legitimate Company to Use?

Yes, ACE Cash Express has multiple physical locations and has been recognized by the Better Business Bureau. It also has many positive reviews listed on its website and other review sites. Overall, they are a legit company that can help you get a loan fast.

A Tutorial on How to Apply for a Loan From Ace Cash Express

There are two options you can choose to apply to ACE Cash Express. The first is through their online application. If not, then you can alternatively check to see if a physical store is located near you.

Here are the steps you need to take to apply;

  1. First, head to their website and click the “Get Started Now” button. This will redirect you to their loan application.
  2. From there, select your current state of residence and see if there are locations near you or eligible.
  3. After that, enter your loan amount and your personal information.
  4. Once you do that, input your email address and current phone number.
  5. You’ll also need to input personal information such as your name, date of birth, and SSN.
  6. Answer any other questions they have before applying.
  7. Once you hear back from them, accept your loan and eSign the contract.
  8. After that, you should have the funds deposited into your account within one business day.

The Ace Cash Express Loan Requirements

To get a loan from ACE Cash Express, you must pass a few criteria. The state sets the criteria, but generally are the same in each region. Here’s what you’ll need to pass before you can even qualify;

  • Must reside in a state that is eligible for loans
  • Have no past history with bankruptcy
  • Updated checking or savings account with recent history.
  • Be able to provide verifiable income.
  • Be at least 18 years of age (varies by state)
Advantages of ACE Cash Express Loan
  • 3 Day Guarantee ;
  • Quick Approval ;
  • No Collateral ;
  • No Prepayment Penalty ;
  • No Faxing ;
  • Flexible Repayment ;
Disadvantages of ACE Cash Express Loan
  • Varies By State ;
  • Not Always Direct Lender ;
  • High Interest ;

What States Are Eligible for Loans From ACE Cash Express?

Here’s a list of the following states where ACE Cash Express operates;

  • California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Texas

What Do You Need To Get A Payday Loan Online?

To get a payday loan online, you will need to head to their website and fill out a secure application. When you get to their website, there are two options for loans; payday loans or installment loans. Click on the one you want to apply for.

After that, fill out their secured form and provide all the necessary information. You’ll need to provide personal information such as your name, address, zip code, and state of residence.

Once you fill that out, they will ask you for proof of income. Attach any necessary documentation to the file. Fill out your employment, their address, and work number.

Lastly, you’ll be presented with ACE Cash Express’s loan documents. This highlights the terms and conditions of submitting your application. For this, read over the document carefully, ensuring you understand the terms.

From there, you’ll need to wait until they approve your application. This could take up to two business days. After that, they will send you a contract for your loan.

What Do You Need To Get A Loan through Walk-ins?

Walk-ins are welcome at ACE Cash Express loans. But, you’ll need to check to see if you have a physical location near you. To do this, head to their locations page. Enter your zip code and then see if there is a location near you.

If there is, you’ll want to bring all the paperwork you’d need to fill out the online form. This includes;

  • Proof of identity (driver’s license, passport, state-issued ID, etc.)
  • Current address and contact information (current contact such as phone number, address, and email address)
  • Proof of income (pay stubs, bank statements, etc.)
  • SSN (social security number)

Contact Information and When They Open & Close

When it comes to filling out their application, it can be done solely online. However, if you need assistance, you can always opt to call or email their customer support.

Their physical locations have varying schedules, but you can expect them to be opened between 9 am to 7 pm every Monday through Friday. For weekend hours, the locations are open Saturday from 9 am until 6 pm. Sundays, they are closed.

The Bottom Line

If you’re in need of quick cash, then ACE Cash Express can help. There’s always going to be a time in our lives where we need quick approval of funds. Even if you have low credit, you can still get a loan based on your income.

Although, if you can’t pay back the loan on your next paycheck, then you should try an installment loan. Installment loans are useful because they give you an extended period of time to pay back your loan. This is ideal for those with a lower monthly income.

Overall, we think that ACE Cash Express loans can help you in a time of need. They have quick approval times and do their best to work with you on your repayment schedule. Plus, their APR rates are decent compared to other lenders. We believe that they could be a good choice if you need to get a loan.

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