ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services with multiple locations nationwide and online lending options.
Editorially reviewed by Harvey Brooks
ACE Cash Express is an established financial services company operating a network of physical store locations across the United States, complemented by online lending options. The company serves consumers seeking quick access to cash and various financial services, positioning itself in the alternative finance market for those who may lack access to traditional banking solutions.
The company's service portfolio spans emergency lending products including installment loans and title loans, along with check cashing, bill payment services, money transfers, and tax services. Their website indicates they offer both in-store and online loan applications, with customer service available via phone and email. The mention of multiple service categories suggests ACE operates as a diversified financial services provider rather than a single-product lender.
ACE's primary distinction is their multi-channel approach, combining physical retail locations with digital lending capabilities. This hybrid model allows customers to access services either in-store or online. The company also maintains state-specific compliance mechanisms, as evidenced by their California Notice at Collection disclosure, indicating awareness of varied regulatory requirements across jurisdictions.
A significant limitation of the provided website data is that specific terms, APR ranges, loan amounts, and eligibility criteria are not accessible due to 404 errors on the location pages reviewed. The website content suggests services vary by state and location—one modal explicitly stated "this type of loan is not available in this state." Consumers should contact ACE directly or visit a physical location for accurate pricing and product availability in their area.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. ACE Cash Express is a registered company headquartered in 758 S Alma School Rd Unit 412, Mesa, AZ 85210. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is best for consumers needing emergency small-dollar loans or collateral-based lending who have access to a physical location or prefer online applications, and who live in states where ACE operates. The main caveat is that product availability and terms vary significantly by state and location, making it essential to contact ACE directly or visit a store for accurate pricing and eligibility information before applying.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-28
Cash Time offers title loans, personal loans, and registration loans with same-day funding at their Mesa, AZ location, serving the East Valley region.
Best for: Borrowers with a vehicle who need emergency cash and can qualify for title loans, Customers seeking to refinance existing high-cost loans from other lenders via buyout
MoneyGram is a money transfer and payment services company offering domestic and international money sending/receiving through 23+ locations in Mesa, Arizona.
Best for: Unbanked and underbanked consumers who need convenient money transfer services, Individuals sending remittances to family members domestically or internationally
MoneyGram is a money transfer service with 23+ locations across Mesa, AZ, offering domestic and international fund transfers through partner retailers like Walmart, CVS, and Ace Cash Express.
Best for: Unbanked and underbanked individuals without traditional bank accounts who need accessible money transfer services, Workers sending remittances to family members domestically or internationally
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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 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.
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 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.
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 might only need 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 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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