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Virginia Beach, VA's ACE Cash Express at 1496 Lynnhaven Parkway provides quick payday and title loans during convenient weekday and weekend hours.
Data compiled from public sources
ACE Cash Express is located at 1496 Lynnhaven Parkway, Suite 101, in Virginia Beach, VA, as a standalone storefront easily accessible from nearby roads. This Virginia Beach branch operates six days a week to serve the local community's financial needs. Monday through Thursday, the location is open from 9 AM to 7 PM, Friday from 9 AM to 8 PM, and Saturday from 9 AM to 5 PM, with Sunday closures.
At this Virginia Beach ACE Cash Express location, customers can access payday loans, title loans, and other short-term financial products designed for short-term cash needs. The friendly staff at 1496 Lynnhaven Parkway can answer questions about loan options and eligibility requirements. Call +1 757-368-0741 to speak with a representative or get more information about available services at this location.
If you are researching short-term cash access in Virginia Beach, this ACE Cash Express branch can process loans quickly. Bring a valid government-issued ID, proof of income (recent paystub or bank statement), and an active checking account when you visit 1496 Lynnhaven Parkway. ACE Cash Express specializes in providing accessible credit solutions for Virginians who need immediate funding.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Virginia Beach, VA. It does not confirm that ACE Cash Express or this specific location is licensed.
State regulator
Virginia Bureau of Financial Institutions
Consumer protection
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.
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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
ACE Cash Express offers 10 services including Installment loans, Title loans, Check cashing, Money transfers, Bill payments, and 5 more.
ACE Cash Express has profile signals associated with 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, Unbanked or underbanked consumers without access to traditional banking products, People needing check cashing, money transfer, or bill payment services without a bank account.
Key strengths: Multiple service offerings in one location (installment loans, title loans, check cashing, bill payments, money transfers, tax services); Online loan application option available for eligible borrowers; Physical store network for in-person service and immediate assistance. Areas to consider: High-cost lending typical of title loan and emergency cash providers with fees and rates not listed on website; Not all services available in all states (Colorado residents see 'this type of loan is not available in this state' message).
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.
CreditDoc Profile Note
ACE Cash Express is profile signals for consumers facing genuine financial emergencies who need fast access to small-dollar cash and can access a physical store location. The primary caveat is that this is high-cost lending—borrowers should exhaust all alternatives (employer advances, credit union PALs, family/friends) before using title loans or emergency cash products, as fees and interest can be substantial and repeat borrowing often results in repeat-borrowing cycles.
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.
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
Norfolk, VA's ACE Cash Express at 6040 E Virginia Beach Blvd offers payday and title-loan profile details during convenient weekday and Saturday hours.
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
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.
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
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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 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.
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 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.
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 may only be required 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 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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