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McKeesport, PA's ACE Cash Express at 4313 Walnut St offers fast payday and title loans, open Mon–Sat.
Data compiled from public sources
ACE Cash Express in McKeesport, PA is located at 4313 Walnut St, a standalone storefront easily accessible to residents throughout the McKeesport area. The location is open Monday through Thursday from 10 AM to 7 PM, Friday from 10 AM to 8 PM, and Saturday from 10 AM to 6 PM, with Sunday closures.
This McKeesport location specializes in payday loans, title loans, and other short-term cash access solutions for residents who need immediate funds. Call (412) 751-1617 during business hours to speak with a loan officer about your options, current rates, and required documentation.
If you're a McKeesport resident considering a payday or title loan, bring a valid ID, proof of income, and a checking account statement. These short-term loans are designed for emergency expenses and should be used strategically. Visit the Walnut St location during your preferred hours to discuss your needs.
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 McKeesport, 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 9 services including Installment loans, Title loans, Check cashing, Money transfers, Bill payments, and 4 more.
ACE Cash Express has profile signals associated with Consumers needing immediate emergency cash within 24 hours, Vehicle owners seeking title loans or collateral-based emergency funding, Unbanked or underbanked consumers requiring check cashing and money transfer services, Customers preferring in-person financial services and face-to-face interactions.
Key strengths: Multiple physical store locations nationwide for in-person service access; listed funding timing available for emergency cash needs; Wide range of financial services including installment loans, title loans, check cashing, and money transfers. Areas to consider: Loan products and services vary significantly by state with explicit restrictions (e.g., 'this type of loan is not available in this state'); Website navigation issues prevent access to specific location service pages.
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 profile signals for consumers in emergency situations requiring fast access to cash through in-person locations or online channels. The primary caveat is that service availability and product offerings vary significantly by state, and prospective customers must verify whether specific loan products are available in their location before applying.
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
McKees Rocks, PA – ACE Cash Express at 128 Chartiers Ave offers payday and title-loan profile details.
Profile signals: 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
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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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