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Part of the ACE Cash Express chain · locations
ACE Cash Express in Tigard, OR
At 11705 SW Pacific Hwy in Tigard, OR, ACE Cash Express offers quick payday loans and title loans to Tigard residents.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express at 11705 SW Pacific Hwy, Suite Y, sits in an accessible location in Tigard, OR, serving the southwestern Portland metro area. This standalone storefront is open Monday through Friday from 9 AM to 7 PM, and Saturday from 9 AM to 5 PM, making it convenient for daytime and early evening visits. The Tigard location provides fast, straightforward access to emergency cash solutions.
At this Tigard location, ACE Cash Express specializes in payday loans and title loans—short-term financing options for residents facing unexpected expenses or cash flow gaps. You can reach this location at +1 503-968-1010 to discuss loan amounts, repayment terms, and what documents you'll need to bring.
If you live or work in Tigard and need quick cash before your next paycheck, ACE Cash Express at this SW Pacific Hwy location is built for speed—most approvals happen the same day. Bring a valid photo ID, proof of income, and an active checking account. Whether it's a short-term payday loan or a title loan secured by your vehicle, the Tigard branch can often approve you the same day you visit.
Services & Features
Bill payments
Business services
Cards
Check cashing
Installment loans
Money transfers
Online loans
Store locator/physical locations
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 beyond loans (check cashing, bill payments, money transfers, tax services)
- Online loan options available in addition to physical store locations
- Established multi-state presence with store locator functionality
- Customer service available via phone and email with dedicated internet operations line
- Installment loan products available alongside title loans for different financial situations
- Business services offered, expanding beyond consumer-only products
Cons
- Website location pages return 404 errors, making it impossible to verify store availability or location-specific details
- No pricing, APR, or loan term information visible on provided website content
- State-specific restrictions mentioned (some loan types unavailable in certain states) create uncertainty about eligibility
- Limited transparency about product features, repayment options, or borrower requirements
- Store closure notices (Hurricane Ida) suggest operational challenges and potential service interruptions
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
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Frequently Asked Questions
Is ACE Cash Express legitimate?
Yes. ACE Cash Express is a registered company, headquartered in 11705 SW Pacific Hwy Ste Y, Tigard, OR 97223.
Quick Facts
- Headquarters
- 11705 SW Pacific Hwy Ste Y, Tigard, OR 97223
- 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 for consumers who need emergency funds and have collateral (vehicle title) or who prefer in-person financial services, but the broken website and lack of transparent pricing information makes it difficult to assess actual terms and competitiveness. Prospective borrowers should contact them directly or visit a physical store to understand specific APRs, fees, and repayment terms before committing.
Best For
- Consumers needing quick access to cash with collateral (title loans)
- Customers in states where ACE operates who prefer in-person financial services
- People needing bundled services (check cashing + bill payment in one location)
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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