Part of the ACE Cash Express chain · locations
ACE Cash Express logo

ACE Cash Express in Miami, FL

2.9/5

712 SW 17th Ave in Miami, FL is home to ACE Cash Express, offering payday loans and check cashing services.

Data compiled from public sources · Rating from CreditDoc methodology

ACE Cash Express Review

ACE Cash Express at 712 SW 17th Ave is a standalone storefront serving Miami, FL with accessible cash advance and lending services. The Miami location maintains extended hours Monday through Thursday 10AM-6PM, Friday and Saturday 9AM-6PM, and is closed Sundays.

This Miami branch offers payday loans, title loans, and check cashing services. Customers can contact the 712 SW 17th Ave location at (305) 643-4084 for rates, qualification requirements, and quick service details. The team specializes in same-day or next-day funding for those in need of immediate cash.

If you're a Miami resident facing an unexpected expense, ACE Cash Express on 712 SW 17th Ave is designed for quick access to short-term cash. Bring a valid ID, proof of income, and a bank account statement—the application process is streamlined for same-day approval. Whether you need a payday advance or title loan, this FL location can provide the fast financing Miami residents rely on.

Services & Features

ACE Elite Visa Prepaid Debit Card
Bill payment
Check cashing (2%–6% of check value)
Flare Account prepaid banking (Pathward/Netspend network)
Installment loans (up to $2,000)
Money orders
Online loan management portal (apply.acecashexpress.com)
Payday loans (online $100–$1,500; in-store $50–$715)
Same-day cash advance
Tax preparation (select locations)
Title loans (select states)
Wire transfers and money transfers

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • 700+ store locations nationwide plus full online application channel
  • 72-hour satisfaction guarantee — return loan principal with no interest or fees charged
  • Same-day funding available both in-store and online
  • Accepts applicants with poor or no credit history via soft credit check
  • Largest check cashing operator in the US — second largest short-term consumer loan retailer
  • Multi-service locations combining loans, check cashing, bill pay, money transfers, and tax prep
  • Founded in 1968 — over 55 years of consumer financial services experience

Cons

  • Payday loan fees of ~$25 per $100 borrowed translate to triple-digit effective APRs
  • Parent company Populus Financial Group faced a CFPB enforcement action
  • Payday loan limits are low — online capped at $1,500, in-store at $715
  • Loan availability, amounts, and fees vary significantly by state; not all products available everywhere
  • Not suitable for consumers seeking longer-term or below-36%-APR loan options

Rating Breakdown

Value
2.3
Effectiveness
1.5
Customer Service
3.6
Transparency
3.1
Ease of Use
4.3

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

What services does ACE Cash Express offer?

ACE Cash Express offers 12 services including Payday loans (online $100–$1,500; in-store $50–$715), Installment loans (up to $2,000), Title loans (select states), Check cashing (2%–6% of check value), Bill payment, and 7 more.

Who is ACE Cash Express best suited for?

ACE Cash Express is best suited for Unbanked or underbanked consumers who need immediate cash without a traditional bank account, Borrowers with poor credit who cannot qualify for conventional personal loans, Consumers needing check cashing, bill pay, or money transfers without a bank, People seeking a short-term cash bridge between paychecks with same-day turnaround.

What are the strengths and weaknesses of ACE Cash Express?

Key strengths: 700+ store locations nationwide plus full online application channel; 72-hour satisfaction guarantee — return loan principal with no interest or fees charged; Same-day funding available both in-store and online. Areas to consider: Payday loan fees of ~$25 per $100 borrowed translate to triple-digit effective APRs; Parent company Populus Financial Group faced a CFPB enforcement action.

How does ACE Cash Express compare to similar companies?

In the Emergency Cash category, comparable providers include Amscot Financial, Cash Advance, Rapid Cash. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.

Is ACE Cash Express accredited by the Better Business Bureau?

ACE Cash Express holds a A+ rating with the Better Business Bureau but is not BBB-accredited.

Quick Facts

Founded
1968
Headquarters
Irving, TX
Employees
~2,528
BBB Rating
A+
BBB Accredited
No
Certifications
Pathward® National Association, Member FDIC (card products) State lending licenses per jurisdiction of operation
Visit ACE Cash Express

CreditDoc Diagnosis

Doctor's Verdict on ACE Cash Express

ACE Cash Express is genuinely best for underbanked consumers who need fast, small-dollar loans or check cashing services and lack access to traditional banking. With 700+ locations, same-day funding, and a 72-hour money-back guarantee, it offers real accessibility and a meaningful consumer protection. The primary caveat is cost: fees around $25 per $100 borrowed represent very high APRs, and rolling over loans can create debt cycles — ACE should be treated as a short-term emergency tool, not a recurring credit source.

Best For

  • Unbanked or underbanked consumers who need immediate cash without a traditional bank account
  • Borrowers with poor credit who cannot qualify for conventional personal loans
  • Consumers needing check cashing, bill pay, or money transfers without a bank
  • People seeking a short-term cash bridge between paychecks with same-day turnaround
Updated 2026-05-08

Compare ACE Cash Express With Others

Similar Companies

Amscot Financial logo

Amscot Financial

Amscot Financial offers payday loans and installment cash advances up to $1,000 with same-day funding and no credit checks across Florida locations.

3.8/5
BBB: NR

Best for: Floridians facing genuine emergencies who need cash within hours and have poor credit, Customers seeking one-stop financial services (lending, check cashing, notary, bill pay)

Cash Advance logo

Cash Advance

Amscot is a Florida-based payday and installment loan lender offering cash advances up to $500 and installment loans up to $1,000 with no credit checks and same-day funding.

3.8/5
BBB: NR

Best for: Florida residents facing unexpected short-term cash emergencies (car repair, medical bills) with next paycheck income, Consumers with damaged credit who cannot qualify for traditional bank loans or credit cards

Rapid Cash logo

Rapid Cash

Rapid Cash Orlando, Florida — Rapid Cash offers small installment loans from $100–$1,000 with same-day or next-day funding, designed for short-term cash...

3.8/5
BBB: NR

Best for: Consumers facing immediate cash shortages who need $100–$1,000 quickly, Individuals seeking to avoid overdraft fees or payday loan spirals

Is ACE Cash Express Right for You?

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Financial Wellness Guides

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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