ACE Cash Express Miami FL vs Advance America Missouri City (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
ACE Cash Express
Advance America
Summary
ACE Cash Express and Advance America are both high-cost emergency-cash providers, and their stored profiles include state-dependent pricing and risk context. ACE Cash Express lists payday-loan and installment-loan amount examples, an approximate fee example of about $25 per $100 borrowed, provider-stated funding timing, a 72-hour return/principal repayment term, and broad store-network context. Advance America lists payday-loan APR examples from 350% to 700%, installment-loan APR context, large branch-network access, online applications, no verified refund term, and stored CFPB/BBB complaint-context fields to review. Use the page to compare listed APR/fee examples, funding channels, return or fee-waiver terms, and complaint-context signals. Verify current state-specific terms directly before borrowing.
Quick Decision Map
Compare ACE Cash Express if...
Compare ACE Cash Express if these stored profile signals match your need: Payday loans (online $100–$1,500; in-store $50–$715); Installment loans (up to $2,000); Title loans (select states).
Read the full ACE Cash Express reviewCompare Advance America if...
Compare Advance America if these stored profile signals match your need: Payday Loans (in-store and online, $100–$2,000); Installment Loans (multi-month repayment, varies by state); Title Loans (vehicle-secured, select locations).
Read the full Advance America reviewSide-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | No monthly subscription listed | No monthly subscription listed |
| Setup Fee | No setup fee listed | No setup fee listed |
| BBB Rating | A+ | A+ |
| Refund Term Listed | Yes Listed | No |
| Google Rating | No stored Google rating | No stored Google rating |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
How to Compare These Two
CreditDoc Profile Note
Research Note on ACE Cash Express
Review ACE Cash Express if these stored profile signals are relevant to your research: Unbanked or underbanked consumers who are researching short-term cash access without a traditional bank account. Borrowers with poor credit who cannot qualify for conventional personal loans. Profile signal to verify: 700+ store locations nationwide plus full online application channel.
CreditDoc Profile Note
Research Note on Advance America
Review Advance America if these stored profile signals are relevant to your research: Consumers facing a short-term cash emergency who have no access to bank credit, credit cards, or lower-cost alternatives. Borrowers who need in-person service and same-day cash from a physical store location. Profile signal to verify: One of the largest payday lenders in the US with 800–1,500+ physical stores in ~28 states.
CreditDoc Profile Note
Research Note on ACE Cash Express
CreditDoc comparison note: ACE Cash Express. ACE Cash Express has relevant comparison signals in the stored comparison note because its profile lists a 72-hour return/principal repayment term and fee examples to review. Advance America remains relevant for users comparing branch access, online account management, loan types, and stored complaint/regulatory context.
Before You Contact Either Company
- Verify current pricing, setup fees, and cancellation terms directly with the company.
- Read both full CreditDoc review pages before using external signup links.
- Check whether listed refund, return, or satisfaction terms have conditions.
- Confirm APR, fees, repayment schedule, and state-specific availability before applying.
- Check whether prequalification uses a soft or hard credit inquiry.
Check the Context Before You Contact a Company
Use this comparison with each company profile, related category pages, local guides, and CreditDoc data explainers. This page is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
CreditDoc Tools and Guides for This Comparison
If you need a calculator, checklist, course, or deeper guide before contacting either company, start with these CreditDoc resources.
Frequently Asked Questions
Which lists the lower monthly price, ACE Cash Express or Advance America?
Neither profile lists a recurring monthly subscription fee. This does not mean all borrowing, card, usage, interest, or per-transaction costs are free. Setup fees can change first-month cost: ACE Cash Express has no listed setup fee, while Advance America has no listed setup fee.
Which has the higher stored BBB rating, ACE Cash Express or Advance America?
ACE Cash Express has an A+ BBB rating, while Advance America has an A+ BBB rating (accredited). BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do ACE Cash Express and Advance America list refund terms?
ACE Cash Express has a listed refund term: 72-hour listed satisfaction term on loans. Return the principal within 72 hours (or by close of business on the third business day in FL and LA) and pay no interest or fees. Advance America does not have a listed refund term in this profile.
How should I compare ACE Cash Express and Advance America?
Compare the profile details, pricing fields, public ratings where available, refund terms, and complaint-response context before contacting either company. CreditDoc's stored comparison note records ACE Cash Express for this matchup because: ACE Cash Express has relevant comparison signals in the stored comparison note because its profile lists a 72-hour return/principal repayment term and fee examples to review. Advance America remains relevant for users comparing branch access, online account management, loan types, and stored complaint/regulatory context.
Explore More Options
Affiliate Disclosure: CreditDoc may earn a commission when you click links to the services featured on this page. Compensation does not determine whether a provider can be covered. Learn more.