ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services with multiple locations across the U.S.
Editorially reviewed by Harvey Brooks
ACE Cash Express is an established financial services company operating physical store locations across multiple states, including Colorado. The company has been serving consumers seeking quick access to cash and financial services for years, with a retail footprint and online presence.
ACE Cash Express provides a range of financial products and services designed for consumers needing immediate funds or basic financial transactions. Their core offerings include installment loans, title loans, check cashing, bill payments, money transfers, tax services, business services, and an online loan platform. The company explicitly markets these services as alternatives for consumers who may not qualify for traditional banking products.
ACE distinguishes itself through its multi-service storefront model, combining emergency lending with ancillary financial services like check cashing, bill payment, and tax preparation in single locations. This bundled approach appeals to underbanked consumers seeking to consolidate financial tasks. The company also operates an online lending channel to reach customers digitally, complementing their brick-and-mortar presence. They maintain customer service operations with dedicated phone lines for general inquiries and online loan support.
However, the company's service availability is highly state-dependent, as evidenced by error messages indicating certain loan products are unavailable in specific states like Colorado. The website content provided does not disclose APR rates, loan terms, eligibility requirements, or specific pricing information, which are critical factors for consumers evaluating emergency lending options. Potential borrowers should contact ACE directly to confirm product availability in their location and obtain transparent pricing before applying.
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 100 E Broadway Blvd, West Memphis, AR 72301. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is best for underbanked consumers needing quick emergency 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.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-27
1 Stop Pawn Shop is a West Memphis, AR-based firearms and outdoor gear retailer offering in-house retail financing with APRs from 15.99-23.99% on purchases from $500+.
Best for: Firearms enthusiasts and hunters needing to finance tactical or hunting equipment purchases, Customers with fair-to-good credit (FICO-dependent pricing) seeking installment financing for specialty gear
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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 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.
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