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Part of the ACE Cash Express chain · locations
ACE Cash Express in Tucson, AZ
In Tucson, AZ, ACE Cash Express at 2847 S 6th Ave Ste 5 serves the South Tucson area with payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
ACE Cash Express at 2847 S 6th Ave Ste 5 stands on South 6th Avenue in Tucson, AZ, serving the southern neighborhood with convenient access to payday and title loan services. The storefront operates Monday through Friday from 9 AM to 7 PM, Saturday from 9 AM to 5 PM, and is closed on Sundays, making it accessible for working residents across Tucson who need quick financial solutions.
This Tucson location specializes in payday loans, title loans, and check cashing services for residents in and around the South 6th corridor. Call (520) 624-1144 to speak with a loan specialist about your options, verify requirements, or discuss loan terms available at this specific location.
If you're a Tucson resident needing quick access to cash, bring a valid ID and proof of income to your appointment. ACE Cash Express provides flexible lending solutions to communities throughout the region.
Services & Features
Bill payments
Business services
Check cashing
Credit cards (Porte mentioned)
Customer service support
Installment loans
Money transfers
Online loans
Rewards program (gift card incentives)
Store locator and in-person service
Tax preparation 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, and tax services in one location
- Same-day or next-day funding available for certain loan products, addressing urgent cash needs
- Extensive physical store network allowing in-person service and immediate transactions
- Online loan application option for customers who prefer digital access
- Multiple customer service contact channels (phone and email) for inquiries and support
- State-specific compliance disclosure (California Notice at Collection) showing regulatory awareness
- Business services available, extending offerings beyond consumer-only products
Cons
- Website provides no pricing transparency—APRs, fees, and loan terms are not disclosed on accessible pages
- Service availability is state and location-dependent; consumers must verify eligibility before applying
- As an emergency cash lender, likely carries higher APRs typical of the payday/title loan category, unsuitable for long-term borrowing
- Limited information about eligibility requirements, credit score considerations, or application approval criteria
- Physical store model may be inconvenient for consumers without nearby locations despite online options
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 2847 S 6th Ave Ste 5, Tucson, AZ 85713.
Quick Facts
- Headquarters
- 2847 S 6th Ave Ste 5, Tucson, AZ 85713
- 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 designed for consumers in immediate financial distress who need rapid access to cash and have limited access to traditional banking products. The primary caveat is that as an emergency cash lender offering title loans and similar products, their loans likely carry high APRs and should only be used for genuine emergencies, not ongoing credit needs, and consumers must verify product availability in their state before applying.
Best For
- Consumers facing unexpected expenses who need cash before their next paycheck
- Individuals with no access to traditional bank credit who require emergency funding
- Customers who prefer in-person transactions and immediate cash availability over online-only lenders
- Those needing ancillary services like check cashing, bill payments, or tax preparation alongside emergency loans
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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