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Part of the ACE Cash Express chain · locations
ACE Cash Express in Brooklyn Center, MN
Brooklyn Center, MN ACE Cash Express at 6219 Brooklyn Blvd offers payday and title loans for quick cash needs.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
The ACE Cash Express location at 6219 Brooklyn Blvd in Brooklyn Center, MN is a standalone storefront offering quick payday and title loans. The storefront serves the Brooklyn Center community with accessible walk-in service for residents seeking fast cash solutions.
At this Brooklyn Center ACE Cash Express branch, you can apply for payday loans, title loans, and other short-term credit options. Call +1 763-535-6872 to speak with the local team about your borrowing needs, eligibility, and application process.
If you're a Brooklyn Center, MN resident facing an urgent financial gap, this location on Brooklyn Blvd provides convenient access for quick lending. Bring a valid photo ID, proof of income, and an active bank account to expedite your application and approval.
Services & Features
Bill payments
Business services
Check cashing
Installment loans
Money transfers
Online loan applications
Prepaid cards
Store locator and physical locations
Tax services
Title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple service offerings in single locations (installment loans, title loans, check cashing, bill payments, money transfers, tax services)
- Online loan options available for qualifying customers seeking remote application
- Same-day or next-day funding capability for emergency cash needs
- Extensive store network across multiple states including Colorado, Louisiana, and others
- Dedicated customer service available via phone (877-ACE-CASH, 866-ACE-CASH) and email
- Physical store locations provide face-to-face customer service
- Bill payment services integrated with lending products
Cons
- No APR, interest rates, or loan term details provided on accessible website pages
- Product availability restricted by state (website confirms certain products unavailable in specific states)
- Website 404 errors prevent full review of service details and terms
- Title loans and installment loans typically carry high costs and predatory risk
- No disclosure of typical loan amounts, repayment terms, or borrowing costs
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 6219 Brooklyn Blvd, Brooklyn Center, MN 55429.
Quick Facts
- Headquarters
- 6219 Brooklyn Blvd, Brooklyn Center, MN 55429
- 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 for consumers facing genuine emergencies who need fast access to small amounts of cash and lack better alternatives through traditional banking. The main caveat is that specific loan terms and costs are not transparently disclosed on the website, and as a title/payday lender, ACE's products typically carry substantially higher costs than traditional loans—borrowers should carefully review all terms, understand total repayment costs, and consider alternatives before committing.
Best For
- Consumers needing immediate cash access ($100-$1,000 range) for emergencies
- Individuals with vehicle titles seeking collateral-based loans
- Unbanked or underbanked consumers needing check cashing and money transfer services
- Customers requiring multiple financial services (loans, bill pay, money transfer) in one location
Updated 2026-04-29
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Financial Wellness Guides
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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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