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ACE Cash Express in Norfolk, VA

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Norfolk, VA's ACE Cash Express at 6040 E Virginia Beach Blvd offers fast payday and title loans during convenient weekday and Saturday hours.

Data compiled from public sources

ACE Cash Express Review

ACE Cash Express is located at 6040 E Virginia Beach Blvd in Norfolk, VA, standing as a standalone storefront. This Norfolk location operates Monday through Friday from 9:00 AM to 7:00 PM and Saturday from 9:00 AM to 5:00 PM, with Sunday closures. The Virginia Beach Boulevard corridor in Norfolk provides convenient access for residents and workers across the area.

At this Norfolk, VA location, you can access payday loans, title loans, and related financial services. The team at 6040 E Virginia Beach Blvd is ready to help with application-timing claims and flexible terms. For specific questions or to apply, call +1 757-459-2411 during business hours.

If you are comparing emergency-cash timing in Norfolk, bring your valid ID, proof of income, and a current bank statement—most approvals happen fast. ACE Cash Express serves Norfolk residents looking for listed short-term lending without the hassle of traditional banks.

Services & Features

Bill payments
Business services
Check cashing
Credit cards
Installment loans
Money transfers
Online loans
Payday loans (implied through emergency-cash category and 'Online Loans' navigation)
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 including installment loans, title loans, and online loans for flexible borrowing options
  • provider-stated funding timing available through online loan platform according to website navigation
  • Physical store network allows for in-person service and face-to-face customer support
  • Check cashing and bill payment services provide additional financial convenience beyond loans
  • Money transfer and tax services expand utility beyond emergency lending
  • Dedicated customer service with multiple contact channels (phone and email for different departments)
  • State-compliant operations with privacy notices and adherence to lending restrictions by jurisdiction

Cons

  • Store location pages return 404 errors, making it impossible to verify current operations, hours, or services at specific branches
  • Outdated website content (Hurricane Ida reference from 2021) suggests inadequate website maintenance and potential information reliability issues
  • Title loans and installment loans typically carry high interest rates characteristic of emergency lending, though specific rates not disclosed on available pages
  • State-by-state restrictions mean not all products are available everywhere (e.g., certain loans unavailable in Colorado)
  • No pricing, APR, or fee information visible on accessible website content, limiting transparency for prospective borrowers

Compare Personal Loan Options

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Norfolk, VA. It does not confirm that ACE Cash Express or this specific location is licensed.

State regulator

Virginia Bureau of Financial Institutions

Payday loan rules in Virginia

Status: Permitted

Rate context: 36% APR cap (Fairness in Lending Act, 2020); treated as short-term consumer loans

Amount context: $2,500

Term context: 720 days

Payday loans are heavily restricted and recharacterized as short-term consumer loans under the 2020 Fairness in Lending Act. Maximum loan amount is $2,500 with a maximum 24-month (720-day) term. Lenders must report to Virginia's loan database to prevent multiple simultaneous loans. Only one outstanding short-term loan permitted per consumer.

Installment loan rules in Virginia

Status: Permitted

Rate context: 36% APR (Fairness in Lending Act, 2020)

Installment loans are permissible under Virginia law and are subject to the same 36% APR cap as other consumer loans. Loans must be for a reasonable term and lenders must be licensed by the Bureau of Financial Institutions.

Key state rules to check

  • The Fairness in Lending Act (2020) capped all consumer loans at 36% APR plus a maintenance fee.
  • Replaced the previous open-end credit and payday loan frameworks.
  • Short-term loans limited to $2,500 with a maximum 24-month term.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does ACE Cash Express offer?

ACE Cash Express offers 10 services including Installment loans, Title loans, Online loans, Check cashing, Bill payments, and 5 more.

What profile signals are listed for ACE Cash Express?

ACE Cash Express has profile signals associated with Consumers researching short-term cash access and willing to visit a physical location, People who need check cashing, bill payment, or money transfer services in addition to emergency loans, Borrowers with vehicle equity who can use title loans as an alternative to traditional lending, Customers in states where ACE operates and offers the specific product they need.

What are the strengths and weaknesses of ACE Cash Express?

Key strengths: Multiple service offerings including installment loans, title loans, and online loans for flexible borrowing options; provider-stated funding timing available through online loan platform according to website navigation; Physical store network allows for in-person service and face-to-face customer support. Areas to consider: Store location pages return 404 errors, making it impossible to verify current operations, hours, or services at specific branches; Outdated website content (Hurricane Ida reference from 2021) suggests inadequate website maintenance and potential information reliability issues.

How does ACE Cash Express compare to similar companies?

In the Emergency Cash category, comparable providers include 5 Star Car Title Loans, ACE Cash Express, Rocket Payday Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
6040 E Virginia Beach Blvd, Norfolk, VA 23502
BBB Accredited
No
Visit ACE Cash Express

CreditDoc Profile Note

Research Note on ACE Cash Express

ACE Cash Express is appropriate for consumers in urgent need of emergency cash who prefer or require in-person service at physical locations, or who need bundled financial services like check cashing and money transfers. The critical caveat is that location information on their website appears broken or outdated, so customers must independently verify store hours, current operations, and product availability before attempting to visit or apply.

Profile Signals

  • Consumers researching short-term cash access and willing to visit a physical location
  • People who need check cashing, bill payment, or money transfer services in addition to emergency loans
  • Borrowers with vehicle equity who can use title loans as an alternative to traditional lending
  • Customers in states where ACE operates and offers the specific product they need
Updated 2026-05-08

Similar Companies

5 Star Car Title Loans logo

5 Star Car Title Loans

Norfolk, VA's 5 Star Car Title Loans at 892 E Little Creek Rd provides emergency title loans and cash-advance profile details with provider-stated same-day approval timing.

BBB: NR

Profile signals: Car owners with bad or no credit who are researching short-term cash access and have exhausted lower-cost options, Borrowers needing larger emergency amounts ($5,000–$50,000) secured against a vehicle

ACE Cash Express logo

ACE Cash Express

Virginia Beach, VA's ACE Cash Express at 1496 Lynnhaven Parkway provides payday and title-loan profile details during convenient weekday and weekend hours.

BBB: NR

Profile signals: Consumers needing immediate emergency cash ($100-$1,000 range) with listed funding timing, Individuals seeking title loans who own a vehicle and need quick collateral-based borrowing

Rocket Payday Loans logo

Rocket Payday Loans

Rocket Payday Loans is a loan marketplace connecting borrowers to third-party lenders offering payday loans up to $5,000 with same-day or fast funding for emergency cash needs.

BBB: NR

Profile signals: Borrowers with poor or bad credit seeking fast emergency cash for short-term needs, Individuals without traditional lending access who are comparing listed funding timing

Compare Your Needs With ACE Cash Express

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Quick Summary

  • ACE Cash Express is listed as a Emergency Cash provider in Norfolk, VA on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

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 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.

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 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.

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 may only be required 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 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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