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ACE Cash Express in Chalmette, LA

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Chalmette, LA ACE Cash Express at 8720 W Judge Perez Dr offers payday loans, title loans, and check cashing Monday through Saturday.

Data compiled from public sources

ACE Cash Express Review

ACE Cash Express in Chalmette, LA is located at 8720 W Judge Perez Dr, a standalone storefront serving the local community. This location is open Monday through Friday from 8 AM to 8 PM and Saturday from 9 AM to 5 PM, making it convenient for residents and workers in Chalmette to access quick financial services.

At this Chalmette location, you can apply for payday loans, obtain title loans on your vehicle, and cash checks. The staff can answer questions about eligibility requirements and help you complete an application in minutes. Call +1 504-684-3425 to speak with a representative about your options before visiting.

If you are researching emergency-cash options in Chalmette, LA, bring a government-issued ID, proof of income, and a recent bank statement. ACE Cash Express processes loans quickly so you can get funds when you need them most.

Services & Features

Bill payment processing
Business services
Check cashing
Installment loans
Money transfers
Online loan applications
Payday loans
Rewards card products
Tax preparation and filing services
Title loans

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Multiple service offerings beyond payday loans, including installment loans, title loans, check cashing, bill payments, money transfers, and tax services
  • listed funding timing available for qualified customers
  • Nationwide store network for in-person transactions and document verification
  • Online loan application option in addition to physical store access
  • Established company with dedicated customer service (phone and email support available)
  • No website-disclosed application fees or credit check requirements mentioned

Cons

  • High-cost lending products (payday/title loans) with APRs typically exceeding 300% based on industry standards
  • Service availability varies significantly by state and location, with explicit restrictions noted on website ("not available in this state")
  • Multiple 404 errors on website suggest poor site maintenance or incomplete location-specific information
  • Website contains outdated information (Hurricane Ida reference, back-to-school promotion timing unclear)
  • repeat-borrowing risk risk: payday and title loan structures can trap borrowers in rollover cycles

Compare Personal Loan Options

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Chalmette, LA. It does not confirm that ACE Cash Express or this specific location is licensed.

State regulator

Louisiana Office of Financial Institutions

Payday loan rules in Louisiana

Status: Permitted

Rate context: $20 per $100 for loans up to $350; 16.75% per $100 for loans $350-$500

Amount context: $500

Term context: 30 days

Payday loans capped at $500 with tiered fee structure. Loan term must be 14-30 days. Borrowers cannot have more than $500 in outstanding payday loans at any time. Lenders must be licensed and report to the Louisiana Office of Financial Institutions. Rollovers are limited under state regulation.

Installment loan rules in Louisiana

Status: Permitted

Rate context: Usury cap of 12% APR applies unless specific exemption is met; regulated lenders may charge higher rates with written agreement

Installment loans are governed under the Louisiana Consumer Credit Law (La. Rev. Stat. § 9:3501 et seq.). Lenders must be licensed with the Office of Financial Institutions and must disclose all terms clearly.

Key state rules to check

  • Payday loans capped at $350 with fee of $20 per $100; amounts over $350 (up to $500) at 16.75% per $100.
  • Loan term must be between 14-30 days.
  • Rollovers are limited; borrower cannot have more than $500 in outstanding payday loans.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does ACE Cash Express offer?

ACE Cash Express offers 10 services including Payday loans, Installment loans, Title loans, Check cashing, Bill payment processing, and 5 more.

What profile signals are listed for ACE Cash Express?

ACE Cash Express has profile signals associated with Consumers with immediate emergency cash needs and no access to traditional credit, Individuals who own vehicles and can use title as collateral for larger emergency loans, Unbanked or underbanked consumers needing check cashing or money transfer services, People needing tax preparation services in conjunction with other financial services.

What are the strengths and weaknesses of ACE Cash Express?

Key strengths: Multiple service offerings beyond payday loans, including installment loans, title loans, check cashing, bill payments, money transfers, and tax services; listed funding timing available for qualified customers; Nationwide store network for in-person transactions and document verification. Areas to consider: High-cost lending products (payday/title loans) with APRs typically exceeding 300% based on industry standards; Service availability varies significantly by state and location, with explicit restrictions noted on website ("not available in this state").

How does ACE Cash Express compare to similar companies?

In the Emergency Cash category, comparable providers include ACE Cash Express, CTL Auto Financing New Orleans LA, King Pay Day Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
8720 W Judge Perez Dr, Chalmette, LA 70043
BBB Accredited
No
Visit ACE Cash Express

CreditDoc Profile Note

Research Note on ACE Cash Express

ACE Cash Express is appropriate for consumers facing genuine financial emergencies who lack access to traditional credit and need funds within 24 hours. The critical caveat is that payday and title loans carry extremely high costs (300%+ APR typical) and create significant risk of repeat-borrowing cycles; these should only be used as true emergency measures, never as regular income supplements or budget management tools.

Profile Signals

  • Consumers with immediate emergency cash needs and no access to traditional credit
  • Individuals who own vehicles and can use title as collateral for larger emergency loans
  • Unbanked or underbanked consumers needing check cashing or money transfer services
  • People needing tax preparation services in conjunction with other financial services
Updated 2026-05-08

Similar Companies

ACE Cash Express logo

ACE Cash Express

Terrytown, LA's ACE Cash Express at 624 Terry Pkwy offers payday and title-loan profile details.

BBB: A+

Profile signals: Unbanked or underbanked consumers who are researching short-term cash access before their next paycheck, Individuals with poor or no credit history who may not meet traditional bank or credit-union loan criteria

CTL Auto Financing New Orleans LA logo

CTL Auto Financing New Orleans LA

CTL Auto Financing offers vehicle title loans up to $25,000 in New Orleans, enabling borrowers to leverage car equity for short-term cash access with approval in as little as 60 minutes.

BBB: NR

Profile signals: Vehicle owners with short-term cash needs and no access to traditional bank loans or credit products, Borrowers with poor credit history who may not meet personal-loan or credit-card criteria

King Pay Day Loans logo

King Pay Day Loans

Louisiana-based payday lender offering small emergency loans ($50-$300) with provider-stated funding timing and in-person service at their Jefferson location.

BBB: NR

Profile signals: Louisiana residents facing immediate small cash emergencies between paychecks, Consumers who prefer in-person service and relationship-based lending interactions

Compare Your Needs With ACE Cash Express

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Quick Summary

  • ACE Cash Express is listed as a Emergency Cash provider in Chalmette, LA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Financial Wellness Guides

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 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.

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 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.

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 may only be required 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 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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