ACE Cash Express Review

Cristina By: Cristina | Last updated May 22, 2017

ace cash express, apply for a payday loan window

9.0 / 10

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PROS:

  • They don’t work exclusively online; they have over 1,000 brick and mortar locations
  • They cover a wide range of financial services
  • The application process is simple and quick
  • In business since 1968
  • Good customer support

CONS:

  • They only cover 23 states
  • Certain services are missing in some of the states where they function
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SUMMARY:

Out of all the payday loan companies we reviewed, ACE Cash Express is likely the industry standard. They have a well-crafted portfolio of products that’s sure to meet the needs of a majority of their potential customers. Their offerings are more appealing than that of their competitors because it shows they want to meet the needs of as many customers as possible.

People who are in need of financing don’t want to have to go to several different companies to get it. They want to find a business that’s capable of delivering whatever they need. Their chosen company has to stick with them throughout all their financial endeavors. ACE Cash Express is the right company for anyone who wants to have a good long-term relationship with their lender.

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COMPLETE REVIEW

ACE Cash Express is a company that really has it all. They offer payday loans, installment loans, title loans, prepaid debit cards, check cashing, and auto insurance. The beauty of ACE Cash Express is that they’re not an online only entity. Their business is spread out across over 1,000 brick-and-mortar locations. Dealing with a business that has this component is ideal. Online only businesses have very little to offer in terms of customer support while businesses with physical locations have people who will take your concerns face-to-face. Knowing that there’s someone who’s willing to listen to how you feel is quite the relief.

Payday Loans                                           

Getting a payday loan from ACE Cash Express is as easy as 1-2-3. The first step is the competition of the application, which is advertised as something a person can complete within minutes. Next, you get an immediate decision. Finally, if you’re approved, you can go to a local ACE Cash Express location and pick up your cash. It’s that easy. Upon further inspection of their application process, it’s challenging to find out which states offer their services. When you click on the “Store” button in the upper right hand corner of their website, you will find a small list. Surprisingly, their services are available in 23 states.

Installment Loans

The process to get an installment loan from ACE Cash Express is startlingly similar to what you have to do to get a payday loan from them with the only difference being the ability to pay back the loan in smaller payments. After falling short in testing their application in the payday loan section of their website, we attempted to do so again, except this time we actually put down a state in which ACE Cash Express actually offers services. This turned out to be tricky. In some of the states, they don’t have certain services, but that’s not clearly stated anywhere.

Title Loans

ACE Cash Express doesn’t have any online application for their title loans service. They tell you how you have to go to one of their stores and present a clear title in your name, government-issued photo ID, and proof of a steady source of recurring income payments. These loans are not available at all their locations. They indicate that you can apply for a title pawn in their Georgia store, but it’s unclear what the difference is between title pawn and title loan.

Prepaid Cards

Out of all the options ACE Cash Express has in their repertoire, their ACE Elite Visa Prepaid Debit Card is the most financially responsible option. You aren’t borrowing any money. You’re simply putting money you already have onto a card. This option is the chosen weapon of people who are trying to spend a certain amount of money. You can’t spend more than what you put into these cards. You are able to keep yourself honest without putting too many constraints on your activities.

Check Cashing

Have you found yourself in a position where you had a check you needed to cash, but your credit union is either closed or it’s a chore to deal with them? You can take your check to ACE Cash Express and they will take care of it for you. There’s no wait or credit check and you have the ability to get your cash today. The types of checks you can cash include payroll, personal, checks made payable to a company, income tax refund, government, insurance settlement, and money orders.

Services Section

The Services section of the ACE Cash Express website doesn't present any additional services. It takes all of their services and combines them into a single page. The only problem is that this page resembles their homepage. It serves as a good directory of their services; however, it could be a better main page for a directory of services with each service becoming a subsection. Considering the scope of the services they offer already, there’s almost no need for ACE Cash Express to add anything else to their toolbox. They give anyone who’s seeking some sort of financial backing the direction they need to accomplish their objectives.

About ACE Cash Express

In 1968, ACE Cash Express opened their doors. Since that time, they have served over 38 million customers. The fact that a company has been around for a while does not mean anything if the product being offered fails to live up to expectations. It means a great deal when it comes to ACE Cash Express. They started their business with the idea of pleasing as many customers as possible. Their results seem to speak for themselves. Customers remained satisfied with their product and their business continues to grow at a rapid pace.

Help and Support

There are different phone numbers attached to their payday loans, installment loans, and title loans programs, but the email address is the same. This confusing state of affairs creates the impression that the phone numbers lead to the same place, even though they’re made up of different numbers. Regardless of these minor issues, it appears that everything is in working order with their customer service. You should rest easy knowing that the people at ACE Cash Express are ready to answer your questions no matter what kind of financial assistance you request.

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Our editorial staff evaluates products and services independently, but Best Review Guide may earn money when you click on links. Read our advertising disclosure.

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