ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services with multiple Colorado locations. Same-day or next-day funding available.
Editorially reviewed by Harvey Brooks
ACE Cash Express is an established financial services company that operates a network of physical store locations, including presence in Colorado. The company has been serving consumers seeking quick access to cash and financial services for emergency needs. Based on their website navigation and service offerings, ACE has built a multi-service model beyond simple payday lending.
ACE Cash Express provides a range of financial products including installment loans, title loans, check cashing, bill payment services, money transfers, and tax services. They advertise online loan options and maintain both general customer service and specialized internet operations teams. The company operates physical store locations where customers can access services in person, with a store locator tool available on their website. They also offer business services, suggesting a broader market reach than just consumer lending.
ACE distinguishes itself through its omnichannel approach, combining physical store locations with online lending options. The company appears to have regional operations (with Hurricane Ida store closures mentioned for New Orleans locations) and maintains compliance infrastructure for state-specific regulations, as evidenced by California Notice at Collection disclosures. Their customer service includes dedicated phone lines and email support for both general inquiries and internet-based loan operations.
However, the website testing revealed that specific location pages return 404 errors, suggesting potential issues with their web infrastructure or incomplete digital implementation. While they advertise multiple service categories, the actual availability of services appears state-dependent, with messages indicating "this type of loan is not available in this state." Consumers should verify service availability in their specific location before applying, as the online presence does not clearly delineate which products are available in which states.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. ACE Cash Express is a registered company headquartered in 1105 Pat Booker Rd, Universal City, TX 78148. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is best for consumers in states where their services are available who need quick emergency cash, title-based loans, or check cashing services and prefer in-person transactions or online access. Primary caveat: significant website functionality issues and unclear state-by-state service availability mean consumers must call or visit in person to verify if specific products are offered in their location.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-27
Cash America Pawn, now operating under FirstCash Holdings, is one of the largest pawn shop chains in the U.S. with over 3,300 locations across 29 states.
Best for: Consumers who need immediate cash and have no access to traditional credit, People who own jewelry, electronics, or tools and need a short-term loan without a credit check
Allied Loan offers same-day and installment loans up to small amounts in the San Antonio area, including title loans for borrowers with poor credit.
Best for: Borrowers in the San Antonio area facing immediate emergency expenses (car repair, medical bills, rent), Individuals with bad credit or no credit history unable to qualify for traditional bank loans
FirstCash is the leading international pawn shop operator with 3,300+ locations across the U.S., Latin America, and the UK, offering pawn loans, retail sales, and gold buying services.
Best for: Consumers with immediate cash needs who lack access to traditional credit or banking services, Individuals with items of value (jewelry, electronics, instruments) they're willing to pledge as collateral
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to ACE Cash Express and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.