Ace Cash Express Personal Loans Reviews: Quick Cash Loans
Ace Cash Express is a significant loan service. More than 950 different locations in 23 states provide these services to the customers. It is important to note that the company provides payday loans, but they also give loans in installments to their customers.
Other than that, they also offer saving account services and title loans to their customers. Moreover, you will experience tax refund advances and other cashing-related services from them.
ACE Cash Express provides different short-term loan options to their customers, but they have a high-interest rate. If you want to borrow an amount between $200 and $2000, there will be a high-interest rate.
You have to repay the Ace Cash Express loan with the total amount on the next payday, and that is why it is beneficial for you. You can do this by visiting their physical office, and then you can take advantage of this loan option. Let’s get right into the Ace Cash Express Review!
Overview: Ace Cash Express Loans Review
|Lender||Best For||Fee & Credit||More Details|
Best For Quick Cash Loans
|Loan Amount: $100 to $1,000 • Loan Term: 12 to 36 months|
What is Ace Cash Express Personal Loan?
Is cash Express is providing different types of financial and loan-related services? Most of their loans are short-term, and they give loans to people who do not qualify to get a loan from a bank. If you don’t have the option to get a loan from a traditional bank, it can be a very troubling time for you when you need money. In such cases, you can get in touch with them to get the loan you need.
Ace Cash Express was founded back in 1968, and they have their headquarter in the state of Texas. They are specifically focusing on the people who cannot get loans from a traditional bank. They specialize in short-term loans and other different methods of providing loans rather than getting them from a conventional Bank.
They provide three major types of loans and different financial services for their customers. However, it is essential to note that their fee for short-term lending is quite a lot, but it is understandable. They are also providing in percent services in different states. Currently, they have more than 950 other stores across the entire United States.
What are the other Ace Cash Express Loans?
Ace Cash Express is also providing the following financial services to their customers:
- Title Loans
- Bill payments
- Prepaid debit accounts
There are also opening the service of payday loans, but they are offered in small increments. These loans are very beneficial for you when you need quick emergency cash. However, it is essential to keep in mind that you will have to a lot of interest rates if you want to get your hands on this loan.
Once approved for this loan, the payment will automatically be made available in your bank account. If you do not have any other option left and need emergency cash, this is the only option left. They are providing this payday loan option in 13 different states all over the United States.
The amount that you want to borrow will depend upon the state you are residing in at the moment. But you can quickly get a $500 loan without going through a lot of trouble. But we are ready to a heavy price tag for getting your hands on this loan because the borrowing fees will be a lot.
How does Ace Cash Express Personal Loan work?
Payday loans are short-term loans that enable a person to cover the expenditures until they get their paycheck. It is pretty standard that a person might need a quick loan until their pay arrives, and then they can wait back. These laws prove very beneficial for those in immediate need of cash.
Ace cash express installment loans are loans that have to be repaid regularly. These loans are available with an option of installment; then, you can easily repurchase them. You have to pay back a specific portion of the principal loan and then the interest amount on the borrowed.
First of all, you have to meet the eligibility criteria, and only then will you be able to apply for this loan. You can apply for this loan by visiting their physical Store or going to their online presence as well.
What if you want to apply for this type of loan? Then you will have to put up your vehicle as collateral, and then you are good to go.
What are the Features of Ace Cash Express Personal Loan?
Security and privacy
They will get access to all your personal information, which includes the following:
- Credit card history
- transaction history
- social security number
- account information
You don’t have to worry about anything because this information will only be used for business purposes. If you do not want to share a lot of personal information, you can call their customer service number if you have any questions. There is a number 800-224-433.
Ace Cash Express customer service is amiable for the customers, and they can be reached very quickly. You can use the chat option to talk to them. Otherwise, you can also give them a call. If you have any questions related to getting a loan from them, you can reach out to them through email as well.
- Payday Loans: (866) 255-6815
- Installment Loans: (877) 876-2274
- Title Loans: (877) 769-2172
Ace Cash Express Personal Loans Requirement?
You need to meet some requirements if you want to get this loan and meet the specific eligibility criteria mentioned below, so check it out.
- You should be at least 18 years old.
- It would help if you lived in the state mentioned in your application when applying for the payday loan.
- You should not be bankrupt.
- You should not be a part of the military.
- You need to have a social security number.
- It would be best if you were a taxpayer. You will also need a bank account to apply for this loan.
- You must have an active source of income; otherwise, you can’t apply for this loan.
Now let’s have a look at the payday requirements for getting your hands on the ace installment loan. The title loan requirements are mentioned below.
- Clear title in the name
- Government ID
- Active income
The minimum and maximum amount of loan that you can get from this Financial Service will depend upon the state you are living in. But for getting a rough idea, you can keep in mind that you can borrow an amount between $100 and $1500.
But it is also essential to keep in mind that you cannot borrow an amount that is more than 2000 Dollars by using this loan service. You can apply for this loan from Arizona, Louisiana, Texas, Oregon, or Tennessee.
They provide you with 72 our satisfaction guarantee. Commonly, many people change their minds later on, and they do not want that loan anymore because they cannot have another financial liability.
If the same is the case with you, you can call them up, and then you can return the loan within the next 72 hours, which is a very convenient feature. If your loan gets approved, the funds will be made available in your account within the next day. The best part about this loan is that even the people who do not have a Credit score can apply for it.
You will have to meet no strict eligibility criteria to apply for this type of loan, which is a very convenient feature. If you urgently need money, you can use this feature and benefit from it. The best part is that there is no need to have a Credit score history, but the interest rate is very high.
How to Apply for Ace Cash Express Personal Loans?
You can easily apply for this loan online without visiting their physical office. You can apply for this loan by providing them with the following information about you.
- Full name
- Social Security number
- Phone number
- Saving account number
However, some restrictions have to meet the following criteria:
- You need to have an active source of income
- you must be eligible according to the state
- you are 18 years old
- you are not bankrupt
If you are from the Army or Airforce, you cannot apply for this short-term loan by Ace cash Express.
How much does Ace Cash Express Personal Loan Cost?
Currently, Ace cash Express is providing different financial options and loan options. It is also essential to keep in mind that they have different interest rates for various loans. If you want to find out how much it will cost you to apply for a loan online, you can open their website and click on the learn more section.
After this, you can scroll down to the licenses and rates option. Select the state you are residing in, and then it will show you all the interest rates you will have to pay. The interest rate is very high compared to the other lenders, but it is worth it if you need urgent cash.
Who is Ace Cash Express Personal Loan Best For?
This loan is best for people who want to pay back their loan within four weeks. It is best for people who need a short-term loan. Currently, they are offering short-term loans for one month as well, and the minimum term is 36 months.
Ace Cash Express Personal Loan Pros and Cons
Let’s consider the pros and cons in detail!
► Short-term loan options
Ace Cash offers multiple short-term loan options to borrowers looking for effective loans. The lender offer installment loans, different payday loans, and more to meet the borrower's needs.
► Apply online or in-store in an eligible state
It's not only an online loan. YES! You can apply online or in-store if you are in an eligible state. It provides you with great customer service for in-store purchases.
► 72 hours to change your mind
You can call them up and return the loan within the next 72 hours, which is a very convenient feature.
► Hard to Qualify: Capital 360 requires some additional requirements that kick the Startups out of the league. QuickBooks, PayPal, and Lendio can be the better options in this context.
► Non-Transparent Cost: The company has not included the interest rate (APR) or any fees on its official site. So, potential borrowers need to fill in all the required information to know the pricing.
► Available Online Only: Some customers need in-person meetings but Capital 360 is only online. Also, the company does not have mobile app access for customers.
Ace Cash Express Personal Loan Compared to other Lenders
|Lender||Loan Amount||Loan Term||Min. Credit Score|
|Ace Cash Express||$100 to $1,000||12 to 36 months||Not Specified|
|BadCreditLoans.com||$1,500 - $15000||24 to 60 months||600|
|Fast Capital 360||Up to 5 million||3 months - 25 years||500|
|LoanMart Personal Loan||$1500 - $3100||up to 30 months||Not specified|
Ace Cash Express Loan vs. Bad Credit Loans.com
Ace Cash Express offers different financial options and loan options. At the same time, Bad credit Loans.com offers personal loans, auto loans, debt consolidation loans, business loans, student loans, and mortgages.
ACE Cash Loans provide three major types of loans and different financial services for their customers. Bad Credit Loans.com can help you find a loan that starts from 500 to 5000 dollars. The loan term differs by three months up to thirty-six months, along with the diverging interest rates by 5.99-35.99 percent APR.
>> Full Article Review: BadCreditLoans.com Reviews • Personal Loan For Low-Credit
Ace Cash Express Loan vs. Fast Capital 360
ACE Cash Express offers loan approval through the three credit bureaus helping you to borrow money quickly. Whereas Fash Capital 360 offers exclusive short-term loans with invoice financing and reliability.
Besides this, ACE Cash Express is a legitimate lender that offers other financial services with direct deposit and savings accounts. However, Fash Capital 360 provides an effective credit line with equipment financing to make the loan borrowing process more accessible.
Ace Cash Express Loan vs. LoanMart
Let’s compare ACE Cash with LoanMart! Ace Cash offers users an effective borrowing process with predictable payments and effective financial history, no doubt. The cash app works on different loan amounts with no overdraft fees on loan products. However, LoanMart offers borrowers auto title loans rather than traditional personal loans. It can provide you with a loan shortly within a limited time.
The better business bureau suggests that ACE Cash Express offers principal amounts and financial products with the least monthly fee. Instead, LoanMart doesn’t include prepayment fees or high-interest rates upon purchasing. It is available in seven states.
>> Full Article Review: LoanMart Personal Loans Reviews: Compare Top Lenders of 2023
Overall, Ace Cash Express is an effective platform with an easy application process. You don’t need to invest additionally with Ace Cash checking, and that’s a valuable advantage. All you need to do is to fill the form.
Have you ever read payday loan reviews? Well, Ace Cash offers the best payday loans by applying online or in-store in the eligible state. You can effectively borrow loans in small accounts with this platform. Sounds good, right?
Moreover, it doesn’t require any minimum credit score, making it a good lending option. From quick loans to no overdraft fee, Ace Cash Express is our list’s fast cash checking platform.
Ace Cash Express Loan FAQs
Does Ace Cash Express offer Payday Loans?
ACE Cash Express, Inc. is one of the most famous financial services retailers consisting of installment loans, PayPal loans, title loans, and bill payments. Moreover, it offers money orders, check to cash, prepaid debit card services, and wire transfer.
It will help if you are looking for a lender who will offer you a payday loan without any account required. Opt for getting a prepaid debit card and then use it to apply for a payday loan. Look for a credit card provider who will provide you with a credit card without any account needed.
How much can you borrow from Ace Cash Express?
ACE Cash Express offers payday loans online in some US states, including California up to $255, Kansas up to $5000, Id, and up to $1,000.
ACE provides payday loans in California around $100-$255. If accepted, the amount you borrow will be linked to your income and standard underwriting criteria.
Can you go to jail for not paying Ace Cash Express?
The Bureau found out that ACE used the illegal debt collection strategies to make an untrue scenario to lure the overdue borrower right into the payday debt trap. ACE encourages its overdue borrowers to pay back their loans temporarily and then quickly re-borrow from ACE.
Even after the clients have explained to ACE that they cannot afford to repay their loan, ACE would continue to pressure them into borrowing more debt. Borrowers would have to pay new fees every time they borrow another payday loan from ACE.