V
Venture Payday Loans
Contact
BBB:
Part of the ACE Cash Express chain · locations
ACE Cash Express in Federal Heights, CO
Federal Heights, CO's ACE Cash Express storefront at 1509 W 84th Ave provides fast payday and title loans during extended weekday hours.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express at 1509 W 84th Ave, Suite #71 sits in the heart of Federal Heights, CO, offering quick financial solutions to residents of this growing Adams County community. The storefront operates Monday through Thursday from 9AM to 7PM, extends to 8PM on Fridays for working professionals, and keeps Saturday hours from 9AM to 5PM—closed Sundays. The standalone location makes parking and foot traffic easy for local customers.
At this Federal Heights location, ACE Cash Express specializes in payday loans, title loans, and check cashing services designed for residents needing immediate cash. Call 303-429-6357 to discuss your loan options, ask about documentation requirements, or confirm current terms. The team at this Federal Heights storefront works with first-time and repeat customers, handling applications quickly.
Federal Heights residents familiar with quick-cash options know ACE Cash Express for same-day funding and transparent terms. Bring a valid photo ID, proof of income, and bank information to speed up your application—the team at this location processes paperwork efficiently. Whether you're facing an unexpected expense or bridging a gap until your next paycheck, this CO location provides a straightforward alternative to traditional bank loans.
Services & Features
Bill payments
Business services
Check cashing
Credit cards
Installment loans
Money transfers
Online loans
Store locator and in-person service
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 one location—installment loans, title loans, check cashing, bill payments, money transfers, and tax services
- Online loan options available for customers who cannot visit physical stores
- Same-day or next-day funding advertised for eligible customers
- Nationwide store network with physical locations for in-person service
- Established company with customer service support via phone and email
- Dedicated money transfer services for customers needing international or domestic transfers
- Tax preparation services available at participating locations
Cons
- State-by-state restrictions mean specific products are not available everywhere, requiring customers to verify eligibility
- Website has broken links and 404 errors on specific store location pages, suggesting technical maintenance issues
- No APR, fee, or specific rate information visible on provided website content—pricing terms unclear from available pages
- Limited transparency about loan terms, approval requirements, and true cost of borrowing on accessible pages
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is ACE Cash Express legitimate?
Yes. ACE Cash Express is a registered company, headquartered in 1509 W 84th Ave #71, Federal Heights, CO 80260.
Quick Facts
- Headquarters
- 1509 W 84th Ave #71, Federal Heights, CO 80260
- 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 financial situations who have a vehicle to use as collateral or who need quick access to small amounts of cash and prefer in-person service. The primary caveat is that not all products are available in all states, and specific loan terms, APRs, and fees must be verified directly with the company or at a physical location, as pricing details are not transparent on the available website pages.
Best For
- Consumers needing emergency cash with same-day or next-day funding capability
- Vehicle owners seeking title-secured loans with existing collateral
- Customers preferring in-person service and relationship with local store staff over purely online lenders
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to ACE Cash Express and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.