ACE Cash Express Terrytown LA vs Advance America Missouri City (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
ACE Cash Express
Advance America
Summary
Both ACE Cash Express and Advance America are BBB A+-accredited emergency lenders with similar payday loan APRs exceeding 300-700%. ACE offers a listed-context advantage with its 72-hour listed refund term—allowing borrowers to return the full principal within three days and owe nothing, including fees. Advance America lacks this consumer protection and has faced an $18.5 million CFPB penalty with 1,066+ complaints since 2013, plus a poor BBB customer review score of 1.7/5. ACE operates longer (since 1968) with 900+ locations across 23 states. For emergency cash borrowers, ACE's listed satisfaction term provides listed consumer-protection context that Advance America does not offer.
Quick Decision Map
Compare ACE Cash Express if...
Compare ACE Cash Express if these stored profile signals match your need: Payday Loans ($50–$715 in-store; $100–$1,500 online); Installment Loans ($100–$2,000, multi-payment repayment); Title Loans (AZ, LA, OR, TX — vehicle title as collateral).
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 before their next paycheck. Individuals with poor or no credit history who may not meet traditional bank or credit-union loan criteria. Profile signal to verify: Founded in 1968 — nearly six decades in operation, making it one of the oldest alternative lenders in the U.S..
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 provides more consumer-protection context through its 72-hour listed refund term with zero fees or interest, giving borrowers a genuine exit option. ACE's longer operational history (since 1968) and A+ BBB accreditation without the regulatory-action history to review and mass complaints that plague Advance America give it more risk context to review.
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 (accredited), 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: return the full loan principal within 72 hours of funding and pay nothing — no fees, no interest. In AZ, FL, OH, and VA, the deadline is 5:00 PM CT on the third business day after funding. Funds must be returned to the originating store. 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 provides more consumer-protection context through its 72-hour listed refund term with zero fees or interest, giving borrowers a genuine exit option. ACE's longer operational history (since 1968) and A+ BBB accreditation without the regulatory-action history to review and mass complaints that plague Advance America give it more risk context to review.
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