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Part of the ACE Cash Express chain · locations
ACE Cash Express in East Cleveland, OH
East Cleveland's ACE Cash Express at 15500 Euclid Ave offers payday loans and cash advances Mon-Sat for quick cash needs.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express operates at 15500 Euclid Ave in East Cleveland, OH as a standalone storefront serving the local community. This location provides a dedicated space for residents needing quick access to financial services, with extended hours Mon-Sat from 10AM-6PM, plus Friday evening service until 7PM. The Euclid Ave location is easily accessible for East Cleveland residents and neighboring areas seeking same-day cash solutions.
At this East Cleveland location, ACE Cash Express specializes in payday loans, cash advances, and title loans, giving customers multiple borrowing options. Whether you need a short-term cash advance or have collateral for a title loan, the knowledgeable staff at the Euclid Ave branch can discuss your options. Call +1 216-268-4100 to speak with a representative about eligibility requirements, loan amounts, and terms.
If you're an East Cleveland resident facing an unexpected expense, this ACE Cash Express location offers same-day funding with minimal paperwork. Bring your government-issued ID, proof of income, and banking information for the fastest service. Founded on transparency and accessibility, ACE provides reliable short-term lending when you need it most.
Services & Features
Bill payments
Business services
Cards (product type referenced but not detailed)
Check cashing
Customer service support via phone and email
Installment loans
Money transfers
Online loans
Porte (product referenced but description unavailable)
Store locator and physical location services
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 beyond loans—check cashing, bill payments, money transfers, and tax services in one location
- Online lending option available for customers who prefer digital application and funding
- Physical store locations nationwide for in-person service and immediate access to funds
- Title loan option allowing customers to use vehicle equity for larger emergency loans
- Same-day or next-day funding advertised for online loans
- Installment loan products available as alternative to payday loans
- Dedicated customer service phone lines for general inquiries and online loan support
Cons
- Website appears to have technical issues with multiple 404 errors on location and service pages
- Not all loan products available in all states—Colorado location shows 'This type of loan is not available in this state' messages
- High-cost lending products typical of emergency cash providers, likely carrying substantial interest rates and fees
- Limited transparency on interest rates, APRs, and fee structures visible from provided website content
- Temporary store closures occurred (New Orleans due to Hurricane Ida reference suggests older content or ongoing issues)
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 15500 Euclid Ave, East Cleveland, OH 44112.
Quick Facts
- Headquarters
- 15500 Euclid Ave, East Cleveland, OH 44112
- 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 in emergency situations who need fast access to cash and have either a vehicle to leverage for title loans or prefer traditional storefront lending over online-only options. The primary caveat is that these are high-cost emergency products; borrowers should fully understand interest rates, fees, and repayment terms before committing, and should explore whether state-specific payday alternatives or credit union PALs might offer better terms.
Best For
- Consumers needing immediate cash for emergency expenses who have a vehicle for title loan collateral
- Unbanked or underbanked individuals seeking check cashing and bill payment services
- Small business owners needing business financial services alongside personal cash needs
- Customers in states where multiple loan types are available and want consolidated financial access
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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