ACE Cash Express Review

Big Company, Bigger Fees

Loan Details

Loan Amount: $200 - $1500
APR: 612% (Texas)
Length: 5 months
Reports Credit: No
Early Repayment Fees: None
Late Fees: $7.50+
Bounce Fee: $30
Apply Time: 20min

Our Review

Customer Service:

Credit Reporting:

Company Reputation:

Fees & Interest:

ACE Cash Express is a financial services provider that opened its first store in Denver, Colorado in 1968. It was started when a local entrepreneur saw an opportunity in the deregulation of the banking industry.

In 2014, ACE Cash Express agreed to a $10 million cash settlement with the Consumer Financial Protection Bureau over abusive debt collection practices. The CFPB found that ACE used unfair, deceptive, and abusive practices to collect consumer debts. They even found a graphic in the ACE training manual for how to trap customers into a cycle of debt.

What We Like

  • Large Company
  • Quick Customer Service
Note: The ACECashExpress Installment Loan with no credit check is one of the most expensive options out there, so you should always look if lower cost options are available. If your credit score is higher than 580, you might be in luck by checking out other online lenders that can offer you bad credit personal loans not payday loans.

What We Don't Like

ACE Cash Express is a lender of the past. Offering unmanageable loans to desperate borrowers is their specialty, and they've done it with a smile for years.

They make it easy to get a loan in the same way that a snake makes it easy for a rabbit to wander into its den. Seek other options if possible.

How to Apply

Just go to their website. Be sure to read all the fine print!