Lender Overview

ACE Cash Express: What You Should Know Before Applying

Fundslender is not affiliated with ACE Cash Express. This page is an independent overview. ACE Cash Express is a high-cost lender. Review all costs carefully and consider alternatives first.

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We are not a lender. Fundslender connects users with third-party lenders. We may receive compensation for referrals. No approval is guaranteed. Rates and terms vary based on your creditworthiness and lender criteria. This is not financial advice.

High Cost Warning

ACE Cash Express products carry very high APRs. Payday loan products can have APRs exceeding 300% on an annualized basis. The total cost of borrowing can significantly exceed the amount received. Consider all lower-cost alternatives before applying.

About ACE Cash Express

ACE Cash Express is one of the longest-operating payday and short-term lending chains in the United States, with roots going back to 1968. It operates storefront locations and an online platform in licensed states, offering payday loans, installment loans, title loans, and financial services like check cashing.

ACE has faced regulatory scrutiny in the past. In 2014, the CFPB took enforcement action against ACE Cash Express for illegal debt collection practices. ACE was required to pay restitution and penalties.

Key Considerations

ACE Cash Express has a history of regulatory enforcement actions. Research your state's consumer protection resources before borrowing.
Title loans carry repossession risk. Missing a payment on a title loan can result in your vehicle being repossessed.
Payday loan costs are high even for small amounts. A $300 payday loan can cost $45 to $60 in fees for a two-week term, equating to an APR exceeding 300%.
Installment loans spread payments but still carry high rates. Calculate total repayment before committing.
If you are in a debt cycle with ACE or similar lenders, consider reaching out to a nonprofit credit counseling agency for assistance.

See our payday loan costs and risks guide and alternatives overview for help understanding your options.

Frequently Asked Questions

Is Fundslender affiliated with ACE Cash Express?

No. Fundslender is an independent loan matching service and is not affiliated with, endorsed by, or a partner of ACE Cash Express or its parent company. This page is an independent research resource.

Who owns ACE Cash Express?

ACE Cash Express has been owned by Populus Financial Group (formerly known as ACE Cash Express, Inc.) which was taken private by Populus Holdings following various ownership changes. It was previously owned by private equity firm JLL Partners.

What products does ACE Cash Express offer?

ACE Cash Express offers payday loans, installment loans, title loans, and prepaid debit cards in licensed states. It also provides check cashing and bill payment services. Product availability varies by state.

What alternatives should I consider before using ACE Cash Express?

Consider credit union payday alternative loans (PALs), personal installment loans from mainstream lenders, employer salary advances, nonprofit assistance programs at 211.org, or negotiating payment plans directly with creditors. Fundslender connects borrowers with lenders in our network who may offer lower-cost options.

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