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Part of the ACE Cash Express chain · locations
ACE Cash Express in Virginia Beach, VA
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 · Rating from CreditDoc methodology
ACE Cash Express Review
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 immediate 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 need fast cash 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.
Services & Features
Bill payments
Business services
Check cashing
Credit cards
Customer service support
Installment loans
Money transfers
Online loans
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 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
- Same-day or next-day funding available for emergency cash needs
- Business services available in addition to consumer products
- Customer service accessible via phone and email with dedicated support lines
- State-compliant operations with transparency about service availability by state
Cons
- High-cost lending typical of title loan and emergency cash providers with fees and rates not transparent on website
- Not all services available in all states (Colorado residents see 'this type of loan is not available in this state' message)
- Website navigation shows 404 errors for specific location pages, suggesting potential operational or digital infrastructure issues
- Title loans require collateral (vehicle), creating repossession risk if borrower defaults
- Small-dollar lending model may encourage repeat borrowing cycles with accumulating costs
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 1496 Lynnhaven Pkwy STE 101, Virginia Beach, VA 23453.
Quick Facts
- Headquarters
- 1496 Lynnhaven Pkwy STE 101, Virginia Beach, VA 23453
- 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 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 debt cycles.
Best For
- Consumers needing immediate emergency cash ($100-$1,000 range) with same-day or next-day funding
- 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
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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