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Part of the ACE Cash Express chain · locations
ACE Cash Express in Aurora, CO
Aurora, CO ACE Cash Express at E Colfax Ave offers fast payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express in Aurora, CO is located at 10390 E Colfax Ave, a busy commercial corridor in Aurora. This standalone storefront is open Monday through Thursday from 9AM to 7PM, extending hours on Friday until 8PM, and Saturday 9AM to 6PM. Sunday the location is closed. Convenient parking and easy street access make it accessible for Aurora residents and workers on the east side of the city.
At this Aurora, CO location, you can access payday loans, title loans, and other short-term lending solutions. Call 303-340-2658 to speak with the team about your options, discuss loan terms, or apply over the phone. Staff can guide you through the application process and answer questions about what to bring.
If you need quick cash in Aurora, this E Colfax Ave storefront provides same-day funding for those who qualify. Bring a valid government-issued ID, proof of income, and an active bank account—most approvals are processed same-day at this location. Whether you're facing an emergency or managing cash flow, ACE Cash Express offers competitive rates.
Services & Features
Bill payments
Business services
Check cashing
Credit/debit cards
Customer service support
Installment loans
Money transfers
Online loans
Payday alternative products (referenced on site)
Store locator and in-person service
Tax preparation services
Title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple loan product types available: installment loans, title loans, and online loans for flexibility
- Hybrid service model with both physical store locations and online lending platform
- Check cashing, bill payment, and money transfer services available at many locations
- Customer service accessible via multiple channels (phone: 877-ACE-CASH and email)
- Tax preparation services offered at select locations
- Same-day or next-day funding advertised for emergency cash needs
- Business services available for commercial customers
Cons
- Loan terms, APRs, and specific fees not disclosed on accessible website pages
- Service availability heavily restricted by state regulations with limited transparency on which products work where
- Website appears to have technical issues with broken location pages (404 errors on Denver location and tax services pages)
- Limited details about approval requirements, credit checks, or eligibility criteria visible on site
- Physical store closures due to external events (Hurricane Ida closure mentioned) may disrupt service
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
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Frequently Asked Questions
Is ACE Cash Express legitimate?
Yes. ACE Cash Express is a registered company, headquartered in 10390 E Colfax Ave, Aurora, CO 80010.
Quick Facts
- Headquarters
- 10390 E Colfax Ave, Aurora, CO 80010
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on ACE Cash Express
ACE Cash Express is best suited for consumers in immediate financial emergencies who have collateral or can qualify for installment-based lending and prefer accessibility through physical locations or online platforms. The main caveat is that specific loan terms and APRs are not transparent on the website, state availability is highly variable, and borrowers should carefully review all fees before committing, as small-dollar loans in this category typically carry higher costs than traditional bank loans.
Best For
- Consumers needing emergency cash quickly with collateral (title loans)
- Unbanked or underbanked individuals needing check cashing or bill payment services
- Those seeking small installment loans without traditional bank requirements
Updated 2026-04-29
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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