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Part of the ACE Cash Express chain · locations
ACE Cash Express in Brandon, FL
Brandon, FL ACE Cash Express at 1335 W Brandon Blvd offers quick payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
The ACE Cash Express location at 1335 W Brandon Blvd in Brandon, FL operates Monday through Saturday, offering convenient hours for busy Brandon residents. This standalone storefront is easy to find in the Brandon area, with convenient parking and straightforward access from W Brandon Boulevard. Whether you're local to Brandon or passing through Hillsborough County, this branch is positioned to serve your financial needs during regular business hours.
At this Brandon branch of ACE Cash Express, you can access payday loans, title loans, and other short-term credit solutions. The knowledgeable staff at the Brandon location can guide you through the application process and answer questions about loan terms, requirements, and repayment options. Call the Brandon store directly at +1 813-653-2817 to ask about current rates, eligibility requirements, or to speak with a loan officer.
If you need quick cash in Brandon, FL, bring a valid ID and recent proof of income to speed up the application. ACE Cash Express specializes in serving Brandon residents who need rapid access to funds for unexpected expenses. Stop by 1335 W Brandon Blvd on a weekday or Saturday to explore your options—ACE Cash Express has been helping borrowers in Brandon meet their immediate financial needs.
Services & Features
Bill payments
Business services
Check cashing
Credit card products
Installment loans
Money transfers
Online loans
Payday loans (where available by state)
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 locations available for in-person transactions and immediate assistance
- Diverse product offerings beyond payday loans including title loans, installment loans, and check cashing
- Online loan application option available for customers who prefer digital channels
- Money transfer and bill payment services available in addition to lending products
- Same-day or next-day funding capability for emergency cash needs
- Tax preparation services offered at physical locations
- Established brand with dedicated customer service phone lines and email support
Cons
- Significant fees and interest rates typical of emergency lending products, making borrowing expensive
- Product availability highly restricted by state—many loan types unavailable in certain jurisdictions including some Colorado locations
- Website navigation issues and broken location pages create difficulty finding specific store information and service details
- No transparent pricing information visible on website content provided; customers must visit stores or call for rates
- Physical store dependency limits accessibility for customers in areas without nearby locations
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 1335 W Brandon Blvd F, Brandon, FL 33511.
Quick Facts
- Headquarters
- 1335 W Brandon Blvd F, Brandon, FL 33511
- 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 facing genuine financial emergencies who have access to a physical location and need funds within 24 hours. The critical caveat is that their products carry high costs; borrowers should exhaust all other options first, as the fees and interest rates substantially exceed traditional banking alternatives, making ACE a last-resort emergency solution rather than a sustainable financial strategy.
Best For
- Consumers needing immediate cash within 24 hours for unexpected emergencies
- Vehicle owners with access to title loans who need rapid collateral-based lending
- Unbanked or underbanked individuals without access to traditional bank credit products
- Customers needing check cashing, money transfers, or bill payment services alongside lending
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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