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Part of the ACE Cash Express chain · locations
ACE Cash Express in Carnegie, PA
Carnegie, PA's ACE Cash Express at Washington Ave offers quick payday and title loans to residents needing emergency cash.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express is located at 1059 Washington Ave in Carnegie, PA, operating as a standalone storefront dedicated to payday and title loans. The store is open Monday through Thursday from 10 AM to 7 PM, Friday 10 AM to 8 PM, and Saturday 10 AM to 6 PM, closed Sundays. This Carnegie location serves the Washington Ave corridor and surrounding neighborhoods with accessible hours for working residents.
At this Carnegie, PA branch, customers can apply for payday loans, title loans, and other short-term lending solutions with minimal paperwork. The staff can answer questions about loan terms, fees, and application requirements at +1 412-429-9689. Fast approval is typical for qualifying applicants, and funds can often be available the same day.
If you're a Carnegie resident facing unexpected expenses or cash flow gaps, ACE Cash Express offers an alternative to overdraft fees or credit card debt. Bring a valid ID, proof of income, and an active checking account. The process is straightforward and designed for speed when you need funds quickly.
Services & Features
Bill payment processing
Business services
Check cashing
Installment loans
Money transfers
Online loan applications
Physical store locations for in-person service
Prepaid cards
Tax preparation services
Title loans (state-dependent availability)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multi-state physical store presence for in-person transactions and immediate assistance
- Online loan application options available for digital-first customers
- Diverse service offerings including check cashing, bill payments, money transfers, and tax services
- Same-day or next-day funding capability suggested by emergency-cash positioning
- State-specific compliance protocols showing regulatory awareness (California Notice at Collection)
- Accessible customer service via multiple channels (phone and email)
- Title loans available in eligible states for customers with vehicle equity
Cons
- Website provided 404 errors preventing access to rates, terms, fees, and APR information
- Service availability varies significantly by state with some loan products unavailable in certain locations
- Limited transparency about whether loans carry rollover provisions or other predatory features
- No accessible information about credit requirements or underwriting criteria
- Unclear whether products meet payday-alternative standards or carry typical payday lending APRs
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 1059 Washington Ave, Carnegie, PA 15106.
Quick Facts
- Headquarters
- 1059 Washington Ave, Carnegie, PA 15106
- 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 borrowers seeking emergency funds quickly through either physical store locations or online channels, particularly those with collateral like vehicle titles. However, the critical caveat is that available website information lacks essential details about rates, fees, and loan terms—prospective customers must contact ACE directly or access complete product pages to determine whether their offerings represent genuine alternatives to predatory payday loans or carry similarly problematic APRs and rollover structures.
Best For
- Unbanked or underbanked consumers needing immediate cash access without credit checks
- Borrowers with vehicle equity who need secured title loans with faster approval than traditional lenders
- Customers in areas with physical ACE locations who prefer in-person financial transactions
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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