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Part of the ACE Cash Express chain · locations
ACE Cash Express in Sacramento, CA
Sacramento, CA: ACE Cash Express at 6510 Florin Rd offers payday and title loans with fast approvals Mon–Sat.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express is located at 6510 Florin Rd in Sacramento, CA, serving the south Sacramento community. This standalone storefront is open Monday through Friday 9AM to 7PM, and Saturday 9AM to 4PM, with Sunday closures. The convenient location makes it easily accessible for residents throughout Sacramento.
This Sacramento location provides payday loans, title loans, and cash advances to qualifying residents. You can reach the Sacramento branch at +1 916-964-7773 during business hours to discuss your borrowing needs or apply for emergency cash. Fast processing and quick funding are available to help with immediate financial situations.
If you need emergency cash in Sacramento, CA, bring your ID, proof of income, and a recent bank statement for fast processing. This location serves residents throughout Sacramento and the surrounding areas who need quick financial solutions for unexpected expenses. ACE Cash Express offers competitive rates and flexible repayment options for qualifying borrowers.
Services & Features
Bill payments
Business services
Check cashing
Credit cards/financial cards
Customer service support
Installment loans
Money transfers
Online application and approval
Online loans with rapid funding
Store locator and in-person transactions
Tax services
Title loans (collateral-based)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple service offerings beyond loans: check cashing, bill payments, money transfers, and tax services
- Dual-channel access: both online loans and physical store locations for in-person transactions
- Fast funding: advertises same-day or next-day funding for emergency cash needs
- Established multi-state presence with numerous locations across the United States
- Dedicated customer service teams for general inquiries and online loan operations
- Title loans available as alternative collateral-based lending option
- Business services division in addition to consumer lending
Cons
- No APR, terms, or fee information visible on website—critical pricing data unavailable for comparison
- High-risk lending category typically associated with triple-digit interest rates and predatory terms
- Limited geographic availability: services restricted by state regulations with no statewide coverage guarantee
- Website technical issues (404 errors on location pages) prevent access to current store information and product details
- Title loans carry risk of vehicle repossession if borrower defaults
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is ACE Cash Express legitimate?
Yes. ACE Cash Express is a registered company, headquartered in 6510 Florin Rd, Sacramento, CA 95828.
Quick Facts
- Headquarters
- 6510 Florin Rd, Sacramento, CA 95828
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on ACE Cash Express
ACE Cash Express is best suited for consumers facing genuine short-term cash emergencies who can repay within weeks, particularly those without access to traditional bank credit. The critical caveat is that actual APR and terms are not disclosed on the website—this lending category typically charges triple-digit rates, making it expensive and potentially creating debt cycles; borrowers should exhaust all alternatives (credit unions, employer advances, family loans, food banks) before considering this option.
Best For
- Consumers with immediate emergency cash needs ($100-$1,000) who can repay quickly
- Customers with poor credit who cannot qualify for traditional bank loans
- Individuals needing alternative financial services like check cashing or money transfers
Updated 2026-04-29
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Read guide →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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