ACE Cash Express
Get quick payday or installment loans with instant decisions, no impact to your FICO® score and funds available fast if approved.
ACE Cash Express offers both payday and installment loans to help you cover unexpected expenses. While precise rates or APRs aren’t specified, these are short-term products best used for emergencies. Loan terms, maximum amounts, and conditions vary by state, but approval is notably fast. Your credit score is unaffected by applying, making this option accessible even to those with less-than-perfect credit.
How to Apply for an ACE Cash Express Loan
Applying is simple: choose your state, pick payday or installment loan, and complete a quick form online.
Receive an instant decision after you provide your name, state, and email address. If approved, review and sign the agreement.
Once finalized, funds can be deposited quickly—sometimes instantly to a debit card where available.
If you prefer, you can visit one of their 750+ stores nationwide for personal assistance.
There’s no application fee, making it risk-free to check your eligibility.
Pros
One major advantage is how fast the application and decision process is. You’ll know within minutes if approved.
Applying at ACE does not affect your FICO® score, so there’s no risk to your credit when checking eligibility.
Cons
Interest rates and fees are not specified in advance and can be high, as is often the case with short-term loans.
Not all loan services are available in every state, so options could be limited depending on your location.
Verdict
ACE Cash Express is best for those who need funds fast and might not have great credit. It’s easy to apply and risk-free to check rates, but always compare costs before committing.