NorthWestern Financial Review

ACE Cash Express

ACE Cash Express
ACE Cash Express Overall rating: ★★☆☆☆ 2.1 based on 11 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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ACE Cash Express is a a direct lender for small-dollar loans. It was established in 1968 and has been running for over 50 years, serving over millions of clients. Currently, it has 950+ locations, making it one of the biggest in-store lenders in the US.

Company name ACE Cash Express, Inc.
Founded 1968
Address 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062
Phone number (505) 476-4885
Email  Unknown (contact form available)

ACE Cash Express


  • Short-term loan options
  • 11 money services besides online payday loans
  • Fast funding
  • Money transfers
  • Cosigner applications accepted
  • Does not report to credit bureaus
  • No faxing
  • Apply online or in-store
  • Poor credit accepted
  • 72 hours to change your mind
  • Doesn’t charge prepayment fees
  • An intuitive online user-portal
  • Mobile apps
  • Experienced lender


  • Not all products available
  • Small loan amounts (maximum of $2,000)
  • APRs as high as 497.58%
  • Short loan terms (maximum of 3 months)
  • Online loan application only available in some states
  • Do not offer pre-approval with soft credit pullConfusing website
  • Charges an origination fee
  • Charges a late fee

Bottom line

ACE Cash Express has small dollar loans and high-interest rates but if you have no other way out, you can use this experienced and checked lender. It seems a reliable company that can quickly provide you with financial assistance. However, you should still take the time to compare other loan options and check lenders similar to this one before you make a final decision.

Types of loans

ACE Cash Express specializes in the following loans:

  • payday loans;
  • installment loans
  • title loans.

ACE loan requirements

In order to get a loan with ACE Cash Express, you must:

  1. have a steady source of income;
  2. be a US citizen or legal resident;
  3. live in an eligible state;
  4. be at least 18 years old;
  5. have an operational checking or savings account;
  6. not be a reserve member of the Army, Navy, Marine Corps, Air Force, Coast Guard or a dependent of a member of the armed forces on active duty;
  7. not be in the process of bankruptcy or intend to file bankruptcy.

Category: Online Loans

Tags: California, Delaware, Florida, Idaho, Kansas, Louisiana, Minnesota, Missouri, New Mexico, Ohio, Oregon, Texas

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ACE Cash Express Reviews

*****RIP OFF ****
- Shawna Marone

I just left a "Raw" review and after looking into situation. I actually think that's why the very nice young female was calling me last night. So another Flare being mailed with 1450.. ,✓✓ Very relived. It has been a long year. I hope the owen

Some one is a scammer suppose to work for your company.I get different answer from each one.Ace cash express
- Virginia reimann

ACE Cash Express want spayment every 10 days instead of the existing payday schedule. When you call to change your due payment date they tell they are sorry they can’t do anything. It’s one of the most horrible lenders I’ve met!
- Barbara Brown

They were good until they lowered the requested loan amount for no reason.
- Reinaldo Sanders

Awful experience. Never use this service. Went to the one of ACE in-store locations. The staff was so unprofessional. It took forever to review my loan application. And I only needed $300. Interest is SKY HIGH I Please Do Not Use Them.
- Mable Yeager

I went to the ACE location in Mesquite Texas and got denied due to no proof of income. The lady said if I get that they need I can try again. Brought them my recent pay stubs. They denied again!!! Waste of time!!!
- Rodney Bennett

I had a very pleasant experience with them! It was fast and simple to fill out the loan application, got approved at once and had cash in my account the same day in the evening! They were very friendly and understanding when I called them!
- James Turner

Had a great experience. Had no issues with the company, paid off my loan on time. I appreciate their reminders.
- David Delgado

This was my first experience of applying for a payday loan and it will be my last. It was such a headache! They would take out every last dollar from your account during this difficult pandemic time. When I called them they redirected me 4 times to speak to someone. And finally no help!! All the people were quite rude! I would never recommend ACE Cash Express for anyone!!!
- Megan Bainter

Applied for a loan online and then wanted to cancel after 3 hours. They tell me that they can't find my account. Yet I can log into it. They are scammers, do not trust anything they say!!!
- David Steed

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