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Part of the ACE Cash Express chain · locations
ACE Cash Express in Bakersfield, CA
At 2011 Union Ave in Bakersfield, CA, ACE Cash Express offers fast payday and title loans with convenient weekend access.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
The ACE Cash Express location at 2011 Union Ave in Bakersfield, CA operates as a standalone storefront offering accessible payday and title loan services. The Bakersfield branch is open Monday through Thursday from 9 AM to 6 PM, Friday 9 AM to 7 PM, and Saturday 9 AM to 4 PM, with Sunday closures. This location's extended Friday hours provide extra flexibility for Bakersfield residents managing unexpected cash needs.
At this Bakersfield location, you can apply for payday loans, title loans, and related short-term financial services designed for quick funding. The staff is available by phone at (661) 324-2284 to discuss loan terms, eligibility, and application details. Many Bakersfield applicants qualify for same-day or next-business-day funding with straightforward approval.
If you live in Bakersfield and need emergency cash between paychecks, bring your valid ID, proof of income, and bank account information when you visit 2011 Union Ave. ACE Cash Express specializes in accessible lending for customers with varied credit backgrounds. Stop by during business hours Monday–Saturday for a no-obligation quote.
Services & Features
Bill payments
Business services
Check cashing
Credit cards
Installment loans
Money transfers
Online loans
Store location services
Tax preparation services
Title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple service offerings (loans, check cashing, bill payments, money transfers, tax services) available at single locations
- Online loan application options for qualifying customers
- Same-day or rapid funding emphasized for emergency cash needs
- Established national presence with store locator system
- Dedicated customer service channels with toll-free numbers and email support
- Title loan options available (where permitted by state)
- Transparency around state-specific service restrictions
Cons
- Service availability highly restricted by state—certain products unavailable in Colorado and other states
- Website location pages return 404 errors, indicating potential data accuracy or service availability issues
- Limited information publicly available about APR rates, fees, or loan terms on accessible website content
- Typical of emergency cash lenders, likely charges significantly higher APR than traditional banks or payday alternatives
- Physical store dependency may be inconvenient for some consumers despite online options
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 2011 Union Ave, Bakersfield, CA 93305.
Quick Facts
- Headquarters
- 2011 Union Ave, Bakersfield, CA 93305
- 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 appropriate for consumers in urgent need of small emergency loans or basic financial services who have access to functioning ACE locations. The primary caveat is severe geographic service limitations—verify that your specific state and services are available before applying, as the website indicates many products are not available in all states.
Best For
- Consumers needing immediate emergency cash with same-day or next-day funding
- Unbanked or underbanked individuals in need of check cashing or bill payment services
- Vehicle owners seeking title-based collateral loans where available
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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