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McKees Rocks, PA – ACE Cash Express at 128 Chartiers Ave offers quick payday and title loans.
Data compiled from public sources
ACE Cash Express is located at 128 Chartiers Ave in McKees Rocks, PA in a standalone storefront serving the local community. The office is open Monday–Saturday (9 AM–7 PM most days, 8 AM–7 PM on Friday) and closed Sundays. This schedule gives McKees Rocks residents convenient access to payday and title loan services.
At the McKees Rocks ACE Cash Express storefront, you can apply for payday loans and title loans on the spot. To inquire about current terms or apply, call +1 412-771-9153. Staff can answer questions about documentation requirements and approval timelines.
If you're a McKees Rocks resident considering a payday or title loan, bring your ID, proof of income, and bank account information. Walk-ins are welcome, and the store can often process applications the same day.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in McKees Rocks, PA. It does not confirm that ACE Cash Express or this specific location is licensed.
State regulator
Pennsylvania Department of Banking and Securities
Consumer protection
Status: Not permitted
Rate context: Effectively banned through usury cap of 6% for non-licensed lenders
Pennsylvania bans payday lending. The state's strict usury laws (6% cap for non-licensed lenders) make payday lending economically unfeasible. No licensing exists for payday lenders in Pennsylvania.
Status: Permitted
Rate context: 6% APR for non-licensed lenders; 24% APR for licensed small loan/consumer discount companies
Installment loans are permitted and regulated under the Consumer Discount Company Act. Licensed lenders can charge up to 24% APR and must be regulated by the Pennsylvania Department of Banking and Securities.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
ACE Cash Express offers 12 services including Payday loans, Installment loans, Title loans, Check cashing, Money transfers, and 7 more.
ACE Cash Express has profile signals associated with Consumers with urgent expense research who have access to a physical ACE store location, Individuals without bank accounts seeking check cashing or money transfer services, Borrowers with collateral (vehicles) seeking title loans as an alternative to payday loans.
Key strengths: Multiple service offerings beyond loans including check cashing, bill payments, money transfers, and tax services; Physical store locations for in-person service and immediate access to funds; Online loan application option available in addition to store-based services. Areas to consider: Website currently showing broken pages and 404 errors, limiting ability to verify current terms and rates; As an emergency cash lender, likely charges high APRs typical of the payday loan industry.
In the Emergency Cash category, comparable providers include ACE Cash Express, ACE Cash Express, ACE Cash Express. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ACE Cash Express is designed for consumers in their service areas who need rapid access to small amounts of cash and have limited alternatives through traditional banking. The primary caveat is that this is a high-cost lending option typical of the emergency cash sector, with terms and rates that should be carefully reviewed before borrowing, and users should verify current terms and state availability before visiting a location.
Carnegie, PA's ACE Cash Express at Washington Ave offers payday and title-loan profile details to residents researching emergency-cash options.
Profile signals: Unbanked or underbanked consumers researching short-term cash access with eligibility claims to verify, Borrowers with vehicle equity who need secured title loans with faster approval than traditional lenders
Homestead, PA's ACE Cash Express at 301 E 8th Ave offers payday and title loans with convenient weekend hours.
Profile signals: Consumers researching short-term cash access for emergency expenses with limited credit access, Vehicle owners seeking title loans against car equity for quick funding
McKeesport, PA's ACE Cash Express at 4313 Walnut St offers payday and title-loan profile details, open Mon–Sat.
Profile signals: Consumers needing immediate emergency cash within 24 hours, Vehicle owners seeking title loans or collateral-based emergency funding
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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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