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Baltimore's ACE Cash Express at 3046 Greenmount Ave provides payday and title loans with convenient hours in MD.
Data compiled from public sources
Located at 3046 Greenmount Ave in Baltimore, MD, this ACE Cash Express storefront is a standalone payday and title loan provider serving the local community. The store is open Monday through Friday from 10 AM to 7 PM, and Saturday 10 AM to 6 PM, making it convenient for Baltimore residents to access short-term cash access solutions during business hours.
This Baltimore location offers payday loans and title loans for customers in need of short-term funds. You can reach the store directly at (410) 243-4466 to discuss your loan options, eligibility requirements, or to get answers to specific questions about the application process.
If you're a Baltimore resident facing unexpected expenses, this Greenmount Ave location is a walk-in option to explore. Bring a valid ID, proof of income, and recent bank statements to speed up the approval process. ACE Cash Express has served similar communities with quick lending solutions.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Baltimore, MD. It does not confirm that ACE Cash Express or this specific location is licensed.
State regulator
Maryland Office of the Commissioner of Financial Regulation
Consumer protection
Status: Not permitted
Rate context: Effectively banned through interest rate caps that make the business model unviable
Maryland has effectively banned payday lending by imposing strict interest rate caps (24% APR for loans under $6,000) that make the payday loan business model financially impractical. No specific payday loan product is permitted.
Status: Permitted
Rate context: Subject to same rate caps as personal loans: 24% APR for loans under $6,000; 33% APR for loans under $1,000. Loans over $6,000 are not subject to statutory rate caps but must comply with disclosure requirements.
Installment loans are regulated under Md. Code Ann., Com. § 12-301 et seq. (Consumer Loan Law) and must include clear payment schedules, terms, and conditions. Licensed consumer finance companies must comply with all disclosure and documentation requirements.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
ACE Cash Express offers 12 services including Installment loans, Title loans (vehicle collateral), Check cashing, Bill payment services, Money transfers, and 7 more.
ACE Cash Express has profile signals associated with Consumers researching short-term cash access for emergency expenses without access to traditional bank loans, Customers with vehicles who can use title loans as collateral for larger emergency amounts, People who prefer or require in-person financial services and immediate fund receipt, Customers needing multiple financial services bundled at a single location (check cashing, bill payment, loans).
Key strengths: Multiple service offerings including installment loans, title loans, check cashing, and bill payments in one location; listed funding timing available for emergency cash needs; Online loan options for customers who prefer digital applications. Areas to consider: Specific location pages (Colorado/Denver) return 404 errors, suggesting website navigation or store information issues; Loan availability varies significantly by state, with some products unavailable in certain states including Colorado.
In the Emergency Cash category, comparable providers include ACE Cash Express, Cash Loans Bear, USA Payday Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ACE Cash Express is profile signals for consumers facing genuine emergencies who have access to a nearby physical location and need same-day or next-day cash. The primary caveat is that emergency lending from companies like ACE typically carries high APRs and fees—critical information that is not available on their accessible web pages, making it essential for potential borrowers to contact them directly for pricing before applying.
Baltimore, MD's ACE Cash Express at 407 W Baltimore St provides payday and title-loan profile details with convenient weekend and Friday evening hours.
Profile signals: Consumers researching short-term cash access who prefer in-person service at physical locations, Vehicle owners seeking title-based loans as collateral for emergency cash
Cash Loans Bear offers payday and installment loans up to $5,000 with provider-stated same-day approval timing at 45 U.S. locations. eligibility claim to verify; APR up to 33%.
Profile signals: Borrowers with urgent short-term cash needs ($100–$500) who cannot wait 3–5 business days for bank approval, Consumers with poor or no credit history unable to access traditional bank loans or credit cards
Online payday loan lender offering short-term cash access advances up to $1,000 in Maryland and nationwide, with provider-stated same-day approval timing and 24/7 service.
Profile signals: Consumers in urgent short-term cash emergencies (car repair, medical bill, eviction notice) with limited alternatives, Borrowers with poor credit history unable to access traditional bank loans or credit cards
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
Lenders are required to 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 lower-cost 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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost 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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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 may only be required to repay the principal — no interest or fees.
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.
Cash advances are a repeat-borrowing risk: 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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