ACE Cash Express
Quick cash solutions with flexible repayment. Apply regardless of credit score. Fast decisions and instant funding in many states. Convenient for urgent expenses.
ACE Cash Express offers payday and installment loans to help borrowers cover urgent expenses before payday or repay gradually over time. While interest rates vary by state, payday loans are typically repaid in full on your next payday, whereas installment loans are repaid via scheduled payments. There are no application fees, and applying won’t impact your FICO score. Online instant funding is available in many areas for added convenience.
How to Apply: Step by Step
- Choose your state of residence on ACE’s website.
- Select between payday or installment loan options.
- Fill out the quick application with your basic information.
- Submit and get an approval decision in minutes.
- If approved, receive funds directly to your debit card (where instant funding is available).
Pros of ACE Cash Express Loans
One major benefit is the fast approval process—many applicants receive a decision in minutes. This is ideal for those facing unexpected expenses who need cash quickly.
Another advantage is flexibility: even borrowers with less-than-perfect credit may qualify, making ACE accessible for a wider range of customers in urgent financial situations.
Cons of ACE Cash Express Loans
The main drawback is potentially high interest rates compared to traditional loans, especially on payday loans, which can make borrowing expensive if not repaid promptly.
Loan availability and terms will also vary by state, and not all services (like instant funding) are offered everywhere.
Our Verdict
ACE Cash Express payday and installment loans are a solid option for those needing cash fast, particularly if other avenues are unavailable. However, be mindful of the overall cost and borrow only what you need for urgent expenses.