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Ace Cash Express Reviews

Ace Cash Express is a state licensed and regulated lender. They have been offering financial assistance to customers since 1967. With a wealth of experience, they are committed to offering exceptional service to clients. The lender is also dedicated to improving the surrounding community and is one of the most philanthropic lending companies. Whether you apply online or in-store, the money is just a few moments away.

Website: www.acecashexpress.com

Ace Cash Express is among the leading financial institutions and its operations date back to 1967. They offer several financial services and in the loan segment, they provide payday loans, installment loans, and title loans. They have more than 1500 locations spread across the US and claim to offer unrivaled convenience to customers.

The company is also philanthropic and through the Ace Community Fund, they have donated more than $11.7M to several charitable organizations.

Applications are fast and you will know your application status in a matter of minutes.  When applying online, you are required to provide several details which may include the following:

  • Your full names
  • Street, State, and City
  • Your social security number
  • Date of birth
  • Active phone number
  • Valid email address
  • ZIP code

After that, you will be asked whether you own or rent a house and whether you are considering filing bankruptcy.  Finally, you will be asked if you are eligible for the federal protection that is meant for armed forces. Successful applicants are notified immediately and the funds will be deposited in the specified account in 24 hours or 48 hours at most. The process is also fully electronic and you don’t need to fax any documents for verifications.

The online application is available in selected states like California, Florida, Kansas, Idaho, Louisiana, Ohio, Minnesota, and Texas.

To apply for a loan in any of the Ace stores, applicants are required to carry a proof of income and the checking account details. In some states, some Ace stores may accept debit cards as proof of a checking account. Normally, successful applicants will walk out the store with the money.

Unlike traditional lenders, Ace Cash Express doesn’t require high credit scores or collateral for payday loans. In fact, people with bad or zero credit scores can get a loan and improve their credit scores. This is made possible through credit reporting to alternative credit reporting firms.

To apply for the Ace Cash Express loans, ensure that you meet the following requirements:

  • Be at least 18 years or older
  • Have a steady source of income that you can verify
  • Have an active checking or savings account that has been operational for at least a month
  • Be comfortable to be contacted after work hours if an issue arises that needs your attention

The company gives you several loan options to apply for depending on your needs. The loans may include:

Payday loans

These short term loans are expected to be paid back in 1-4 weeks, but the exact period will vary from one state to another. On the due date, the borrowed amount plus all the fees and applicable charges are debited from your account. Any customer who has not set automated pay-offs is granted a one-day grace period to repay the amount.

Installment loans

These loans are positioned to benefit the people who might need longer time to repay the funds. You can make small payments that are spread across a specific timeframe. Upon approval, the funds are deposited into your account on the next business day. If you change your mind for any reason, you have up to 72 hours to return the money without any charges, fees or commitments.

Title loans

If you own a car, it’s possible to take a loan against the title at Ace Cash Express. The total amount you can borrow will depend on the value of the car. The loan also comes with a 72 hours satisfaction guarantee that allows you to return the money at no extra charges. Normally, payment is in installments but you will save on interest and fees if you pay upfront.

The rates and fees will vary depending on the amount you borrow as well as the state of residence. However, the APR will be between 209.27% and 890.40%.

Company gives discounts to borrowers who are willing to arrange for recurrent payments with their bank. The discount can be as high as 50% depending on the state.

Notably, the company will not charge any penalties for early payoffs. However, you will be charged $15 – $25 for late payments and $10 – $30 if your checking account has insufficient funds by the time the loan is due.

Lastly, the company will present you with an agreement that has details concerning the approved loan and it gives an overview of all the expected charges for your loan. Before signing, you might want to read and understand the terms and your responsibilities to avoid ugly surprises.

The 72-hour satisfaction guarantee allows you to return the money in 72 hours with zero charges. This is great in case of some change of plans or if you have managed to get a cheaper option.

Early payments will not attract additional charges. In selected states, you can get a partial or full refund for the loan fees.

The application process does not require faxing and all verifications are conducted online. This makes the application friendlier and reduces the probable cost of application.

The application process is fast and you can finish in a few minutes and get notified about the status soon. Approved applications can be funded instantly by visiting the Ace stores. Also, you can get the fund in the bank as soon as the next business day.

At the moment, Company has more than 1500 retail locations that operate in Arizona, California, Georgia, Delaware, Louisiana, New Mexico, Missouri, Ohio, Oregon, South Dakota, Texas, and Tennessee.

For online payday loans, the company covers the following states:

California, Florida, Idaho, Louisiana, Kansas, Minnesota, Ohio, and Texas

Occasionally, Ace Cash Express provides discount codes that can help customers save money. Mostly, you will come across promotion codes that promise between 10% and 25% in discounts. To benefit from these deals, you are required to enter the discount codes as you check out at the official websites. However, it’s good to note that there will be some exclusion to the offers.

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