ACE Cash Express Review
ACE Cash Express is a payday and installment lender offering loans from $100 to $2,500, depending on your state. The company is owned by Populus Financial Group and has been in business since 1968.
ACE has 750+ store locations across 21 states and the District of Columbia, plus online loans available in 7 states. The application process is fast, there are no application fees, and applying won't hurt your FICO score.
You can receive funds as soon as the same day via debit card, next business day by bank deposit, or pick up cash in-store.
How We Rate ACE Cash Express:
At Financer, all lenders go through a thorough research and review process. Here's how we rate ACE Cash Express:
| Category | Rating |
|---|---|
Affordability | ⭐⭐⭐ |
Application process | ⭐⭐⭐⭐ |
Loan terms | ⭐⭐⭐⭐ |
Transparency | ⭐⭐⭐⭐ |
Customer support | ⭐⭐⭐ |
Overall | ⭐⭐⭐⭐ |
Here's what we'll cover in this review:
Want to skip the details? Jump to our final verdict here.
ACE Cash Express Loans
ACE Cash Express loans are available online in 7 states (Delaware, Florida, Louisiana, Missouri, Ohio, Oklahoma, and Texas) as well as in-store across 21 states and D.C. The maximum loan amount depends on the state you're in.
Here's a quick summary of ACE Cash Express:
| Overview | Features |
|---|---|
Loan type: | Payday loans, installment loans, title loans |
Loan amount: | $100 - $2,500 |
Loan term: | 1 - 3 months |
APR: | 91.52% - 630.13% |
Min. credit score: | None |
Application fees: | None |
Payout time: | Same day (debit card) or next business day (bank) |
Online states: | DE, FL, LA, MO, OH, OK, TX |
Requirements: | At least 18 years old, U.S. citizen, active bank account, regular income, valid phone and email |
If you're approved for a loan, ACE can fund your debit card the same day, deposit to your bank account by the next business day, or you can pick up cash in-store.
Beyond payday loans and installment loans, ACE Cash Express offers a range of other financial services:
- Check cashing
- Bill pay
- ATM services
- Money transfers
- Tax services
You can cash your tax refund at ACE at their stores and get cash on the spot, even for larger checks. Depositing your tax refund directly to your account is typically faster than waiting for the check to arrive.
ACE offers money transfers to anywhere in the U.S. as well as over 200 countries worldwide through MoneyGram. You have options for same-day and three-day services.
You can send money at any ACE Cash Express location or online.
Need to withdraw cash? You can avoid ATMs and withdraw cash as low as $5 at all ACE Cash Express locations. You can also do balance inquiries.
Installment Loans
ACE Cash Express offers installment loans from $100 up to $2,500, depending on the state you're in. For example, online loan limits in Missouri and Texas go up to $2,500, while loans in Florida are capped at $1,000.
If you want to apply for an installment loan in-store, the limits vary by state. Here are the current available states and amounts:
- Delaware: $100 - $2,000
- Florida: $100 - $1,000
- Louisiana: $100 - $700
- Missouri: $100 - $2,500
- Ohio: $100 - $1,000
- Oklahoma: $50 - $700
- Texas: $100 - $2,500 (not available in Austin or Dallas)
Payday Loans
ACE Cash Express offers payday loans with instant funding options online as well as in-store. Payday loans are available from $100 up to $2,000 in most states.
Payday loans are a good option if you need a short-term loan that you can repay on your next payday. If you need to take out a larger loan over a longer period, consider an installment loan instead.
Cash Advance
Cash advances from ACE are available in small amounts, ideal to cover unexpected expenses until your next payday arrives.
You can get a cash advance online and the application process only takes a few minutes. You can also cancel your cash advance loan within 72 hours.
Same-day funding is available for cash advances via debit card if eligible.
Title Loans
Title loans allow you to put up your vehicle as collateral for a loan. With ACE you can apply for a title loan and if approved, you continue to drive your car.
Title loan amounts vary depending on the state you're in. Title loans come with APRs between 153.65% and 202.80%.
Note: Title loans from ACE Cash Express are only available in-store.
ACE Cash Express Locations
ACE has more than 750 stores across 21 states and the District of Columbia. You can find stores in these states:
Arizona, Arkansas, California, Colorado, Florida, Georgia, Indiana, Kansas, Louisiana, Maryland, Minnesota, Missouri, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, and Virginia.
ACE is a subsidiary of Populus Financial Group, which also operates the Flare Account and ACE Elite Visa Prepaid Debit Card.
Looking for loans in other states? Compare lenders in all U.S. states that accept online loan applications.
How to Apply for an ACE Cash Express Loan
Start your application
Go to ACE Cash Express online and fill in your basic details to get started.
Add your details
Next, you'll need to provide more details including your personal contact information, the loan amount you need, your Social Security number, and employment details.
Sign the documents
Sign and submit your loan documents online.
Get funded
Once approved, you can get your funds as soon as the next day via bank transfer, funding to your debit card, or via in-store pickup.
Who Is an ACE Cash Express Loan Good For?
ACE Cash Express works best for borrowers who need a small, short-term loan and have limited options. It's particularly useful if you:
- Don't have a traditional credit history or have a low credit score
- Need money fast (same-day funding available)
- Want the flexibility to apply online or visit a store in person
- Need a loan under $2,500
But always make sure you understand the terms you're agreeing to. ACE's APR rates can reach 630%, which makes borrowing expensive. Only use ACE for short-term needs you can repay quickly, and always compare alternatives first.
How Financer Rates ACE Cash Express
ACE Cash Express has a straightforward online application process with fast payouts and the option to cancel a loan within 72 hours.
Funding is fast and flexible. Have your payment deposited to your debit card the same day, sent to your bank by the next business day, or pick up cash in-store.
One drawback is limited availability. ACE Cash Express online loans are only available in 7 states (Delaware, Florida, Louisiana, Missouri, Ohio, Oklahoma, and Texas). In-store services cover 21 states plus D.C.
The company faced a CFPB lawsuit in 2022 over concealed repayment plans and improper fund withdrawals. That case was voluntarily dismissed in April 2025. A separate 2014 enforcement action resulted in $10 million in penalties.
Customer Service
ACE Cash Express customer service can be reached via phone at (866) 223-2274 or by email. In-store staff consistently receive positive customer reviews for being knowledgeable and patient.
Is ACE Cash Express legit? Yes. ACE has been in business since 1968, operates 750+ locations, and is a subsidiary of Populus Financial Group.
Read more ACE Cash Express reviews below.
ACE Cash Express FAQs
How much can you borrow from ACE Cash Express?
You can borrow between $100 and $2,500 depending on the state you're in and the loan type. Online installment loans in Missouri and Texas go up to $2,500, while Florida caps at $1,000.
Is ACE Cash Express legit?
Yes. ACE Cash Express has been in business since 1968 and operates 750+ store locations across 21 states and D.C. The company is a subsidiary of Populus Financial Group and is licensed in every state where it operates.
How fast can I get money from ACE Cash Express?
If approved, you can receive funds the same day via debit card, by the next business day through bank deposit, or immediately by picking up cash at a store near you.
What credit score do I need for ACE Cash Express?
ACE Cash Express does not require a minimum credit score. Applying won't affect your FICO score. They evaluate your income, employment, and other factors instead of relying solely on credit history.
What states offer ACE Cash Express online loans?
ACE Cash Express offers online loans in 7 states: Delaware, Florida, Louisiana, Missouri, Ohio, Oklahoma, and Texas. In-store services are available in 21 states plus the District of Columbia.
What is the lawsuit against ACE Cash Express?
The CFPB sued ACE Cash Express in 2022 for concealing no-cost repayment plans and improperly withdrawing consumers' funds. That case was voluntarily dismissed by the CFPB in April 2025. A separate 2014 enforcement action resulted in $10 million in penalties and refunds for illegal debt collection practices.
ACE Cash Express Alternatives
If ACE Cash Express isn't available in your state or you want lower APRs, these alternatives offer personal loans with more flexible terms:
| Lender | Loan Amount | APR | Max. Loan Term | Bad Credit? |
|---|---|---|---|---|
PersonalLoans.com | $500 - $35,000 | 5.99-35.99% | Up to 6 years | Yes |
BadCreditLoans.com | $500 - $5,000 | 5.99-35.99% | Up to 2 years | Yes |
CashUSA.com | $500 - $10,000 | 5.99-35.99% | Up to 6 years | Yes |
Fast5KLoans | $500 - $35,000 | 5.99-35.99% | Up to 5 years | Yes |
More ACE Cash Express Loan Reviews
What Users On the Web Are Saying
ACE Cash Express has a 4.7 out of 5 stars rating on Trustpilot, with most customers praising the friendly in-store staff and fast service:
Most negative reviews mention high interest rates and fees rather than poor service. Some users have reported issues with account security, though ACE appears to resolve these cases.
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