ACE Cash Express
Fast approval loans with instant funding where available. No impact on your FICO Score to apply. Satisfaction guarantee within 72 hours.
ACE Cash Express is currently offering a chance to win a $200 Target gift card—a helpful boost for back-to-school expenses. Alongside this giveaway, ACE provides a variety of convenient short-term loan options to help with your financial needs. From payday loans to installment loans, ACE aims to make the application process quick and straightforward for US consumers.
Although exact interest rates and terms differ by state, ACE generally offers small-dollar loans repaid by your next payday, and installment loans repaid over a fixed schedule. Payday loans are designed for urgent needs, while installment loans offer greater flexibility for repayment.
How to Apply for a Loan at ACE Cash Express
1. Choose your state of residence to view available products.
2. Pick the loan product that fits your needs: payday or installment.
3. Complete the online application form with your details.
4. Receive an instant decision once your application is submitted.
5. If approved, select your funding option. Some locations support instant funding to your debit card.
Pros of ACE Cash Express
ACE does not conduct a hard credit check, so applying won’t affect your FICO Score. This is particularly beneficial for those with less-than-perfect credit, making access to funds easier.
With over 750 stores nationwide, ACE also boasts an excellent reputation for customer service, providing both in-person and digital options for managing your loans or money services.
Cons to Consider
While the convenience is high, short-term loans may come with high fees and interest rates depending on your state. It’s crucial to review the rates and terms before borrowing.
Not every state supports all services, and loan amounts as well as repayment dates can vary depending on local regulations.
Our Verdict on ACE Cash Express
For individuals seeking fast, straightforward access to cash or an extra boost for seasonal costs like back-to-school shopping, ACE Cash Express provides a compelling option. The combination of friendly service, special giveaways, and easy-to-access loans makes it worth considering—just keep an eye on the costs involved.
