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West Memphis, AR's ACE Cash Express at 100 E Broadway Blvd offers payday and title loans during convenient weekday evening hours.
Data compiled from public sources
ACE Cash Express in West Memphis, AR operates at 100 E Broadway Blvd, a standalone storefront in the heart of West Memphis. The location is open Monday through Friday from 8 AM to 7 PM, and Saturday 9 AM to 6 PM, providing flexible access for weekday and weekend visitors. The street-level location makes it easy to find when you need a cash advance or title loan.
This West Memphis location specializes in payday loans and title loans. Staff can discuss your options and help with the application process; call (870) 733-1823 to ask about current rates, terms, and eligibility requirements, or stop by the 100 E Broadway Blvd storefront during business hours.
If you're a West Memphis, AR resident considering a short-term loan, bring a valid ID, recent pay stubs, and bank account information when you visit. ACE Cash Express works with borrowers who have limited credit options and need published application timing.
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 West Memphis, AR. It does not confirm that ACE Cash Express or this specific location is licensed.
State regulator
Arkansas Securities Department
Consumer protection
Status: Not permitted
Rate context: Effectively banned under constitutional usury cap
Payday lending is effectively banned in Arkansas due to the constitutional usury cap (17% above federal discount rate) which makes short-term, high-fee lending economically unfeasible. Check-cashers are licensed but cannot offer deferred deposit transactions.
Status: Permitted
Rate context: 17% above the federal discount rate (Ark. Const. Amendment 89)
Installment loans are permitted and governed by the constitutional usury cap. Creditors are required to disclose all material terms and comply with the Arkansas Deceptive Trade Practices Act.
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, Bill payments, Money transfers, and 5 more.
ACE Cash Express has profile signals associated with Consumers researching short-term cash access who have limited access to traditional banking, Individuals with poor or no credit history seeking small emergency loans, Customers requiring bundled financial services (check cashing + lending) in a single location.
Key strengths: Multi-service locations offering check cashing, bill payments, and money transfers in addition to loans; Online lending platform available for remote loan applications; Established national presence with numerous store locations. Areas to consider: Service availability varies significantly by state; certain loan products unavailable in some locations like Colorado; Website pricing, APR rates, and loan terms are not disclosed in available content.
In the Emergency Cash category, comparable providers include Amscot Financial, Auto Cash Title Loans, Auto Title Loan. 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 underbanked consumers needing quick short-term funds or bundled financial services available at physical locations. The primary caveat is that product availability is highly state-dependent, and the company does not publicly disclose APR rates or loan terms on their website, requiring direct contact to obtain pricing before application.
Amscot Financial offers payday loans and installment cash advances up to $1,000 with provider-stated funding timing and eligibility claims to verify across Florida locations.
Profile signals: Floridians facing genuine emergencies who need cash within hours and have poor credit, Customers seeking one-stop financial services (lending, check cashing, notary, bill pay)
LoanMax Title Loans offers short-term cash access loans secured by vehicle titles, with loans up to $10,000 available at their Tucson, AZ location and multiple other Arizona branches.
Profile signals: Vehicle owners with short-term cash needs who have equity in their car, Consumers unable to qualify for traditional personal loans who own their vehicle outright
Review this provider profile and compare source-linked details before choosing what to do next.
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Answer 3 quick questions to review category, service, and profile context.
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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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