ACE Cash Express
Flexible payday and installment loans with instant decisions, no FICO® impact, and a quick online application. Receive funds fast if approved and enjoy a satisfaction guarantee.
ACE Cash Express offers short-term payday and installment loans for those seeking fast cash and convenience. Interest rates and terms vary by state and eligibility, but borrowers enjoy a simple application process and rapid approval decisions. One notable highlight is that applying at ACE does not impact your FICO® credit score, and there’s a satisfaction guarantee if you change your mind within 72 hours. ACE has an impressive reputation, backed by over 350,000 Google reviews and a 4.9-star rating.
Step-by-Step: How to Apply
1. Go to the ACE Cash Express application page.
2. Select your state to check eligibility and available products.
3. Choose between payday or installment loans, then fill in your name, state, and a valid email address.
4. After submitting your information, receive an instant decision.
5. If approved, review the terms and either accept the funds to your account or visit an ACE store.
Pros of ACE Cash Express Loans
One strong advantage is the instant decision process. It provides peace of mind for those in emergencies.
Another key benefit: the application won’t impact your FICO® score, making it an accessible choice for many.
Borrowers also have a 72-hour satisfaction window to return the funds and avoid additional charges—rare in the lending space.
Cons of ACE Cash Express Loans
The main drawback is that rates and terms vary greatly by state, making it hard to assess costs upfront.
Additionally, ACE loans are meant for short-term needs, so they’re not ideal for ongoing or larger financial goals.
Final Verdict
As an unbiased reviewer, I find ACE Cash Express a legitimate and quick solution for urgent cash needs. The instant approval and satisfaction guarantee make it a standout, especially for people with less-than-perfect credit.
