ACE Cash Express vs Advance America (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
ACE Cash Express
Advance America
Summary
ACE Cash Express and Advance America both offer payday, installment, and title loans with similar geographic reach limited to about 23-27 states. ACE Cash Express holds an A+ BBB rating and provides a unique 72-hour listed refund term allowing borrowers to return the full loan principal without fees or interest, a feature not offered by Advance America. Both lenders have high APRs, with Advance America’s payday loans ranging up to 688%, higher than ACE’s typical rates exceeding 300%. Advance America has a larger store footprint and no prepayment penalties, but ACE’s long-standing history since 1968 and listed satisfaction term provide more consumer-protection context to review. Pricing details are not disclosed for either lender.
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); Installment Loans (in-store and online); Lines of Credit.
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: People facing a financial emergency who need cash within hours and cannot qualify for a bank loan. Borrowers with poor or no credit history who have been rejected by traditional lenders. Profile signal to verify: One of the largest US payday lenders — 157 million+ loans served in over 25 years of operation.
CreditDoc Profile Note
Research Note on ACE Cash Express
CreditDoc comparison note: ACE Cash Express. ACE Cash Express offers a more cost context, with its 72-hour listed refund term and a long-standing reputation since 1968, combined with an A+ BBB rating, providing better consumer-protection context despite similarly high APRs.
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. 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 offers a more cost context, with its 72-hour listed refund term and a long-standing reputation since 1968, combined with an A+ BBB rating, providing better consumer-protection context despite similarly high APRs.
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.