Emergency-Cash · Florida
Rating: 2.2/5
ACE Cash Express offers payday loans ($100-$500) and installment loans ($100-$1,000) with same-day or next-day funding at physical locations and online.
ACE Cash Express is an established financial services company operating a network of physical locations across the United States, including a Miami, FL branch at 14546 W Dixie Hwy. The company specializes in short-term lending products designed to help consumers cover unexpected expenses before their next paycheck. With extended hours (open until 8 PM on Fridays and 6 PM on Saturdays), ACE positions itself as an accessible alternative to traditional banks for fast cash needs.
ACE offers two primary loan products: payday loans ranging from $100-$500 with full repayment due on the next payday, and installment loans from $100-$1,000 with longer repayment terms and equal payment amounts spread over the loan duration. Both products can be accessed online or in-store. Beyond lending, ACE provides a comprehensive suite of money services including check cashing (no bank account required), bill payment for rent and utilities, MoneyGram money transfers to over 200 countries, money orders, ATM services, and tax services.
The company also offers prepaid banking products (Porte and Flare accounts) and the ACE Elite Visa prepaid debit card, partnering with Pathward, N.A. for banking services.
ACE differentiates itself through its omnichannel approach—combining physical store locations with online application options—and its extended service hours. The company positions convenience and speed as core value propositions, enabling same-day applications and funding. The integration of complementary money services (check cashing, bill pay, money transfers) at the same locations creates a one-stop-shop experience for unbanked and underbanked consumers.
However, as a payday and installment lender, ACE operates in a high-cost lending category. While the website does not disclose APR rates, payday loans and short-term installment products typically carry substantially higher interest rates and fees than traditional personal loans or credit-based alternatives. The business model targets financially vulnerable populations who lack access to conventional credit.
Consumers should carefully review all terms, fees, and repayment obligations before borrowing, and consider whether this represents the most cost-effective solution to their financial need.
Reader-focused summary of the strongest reasons to consider Easy Cash and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Easy Cash works best for consumers who value in-store and online application options for both payday and installment loans and can accept the tradeoff of website does not disclose apr rates, fees, or total cost of borrowing—critical t. Compare against similar providers below before signing any contract.
Before signing up with any Emergency Cash provider, review these safeguards:
Match these decision factors against Easy Cash's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Emergency Cash providers.
Emergency Cash
12 services listed
1 states
Easy Cash offers 12 services including Payday loans ($100-$500, short-term, in-store only), Installment loans ($100-$1,000, longer terms with equal payments, online and in-store), Check cashing (no bank account required with valid ID), Bill payment services (rent, utilities, credit cards), MoneyGram money transfers (domestic and international to 200+ countries), and 7 more. Confirm current service list directly with the provider before contracting.
Easy Cash's profile signals suggest it may fit: Unbanked or underbanked consumers needing immediate cash for emergency expenses; Individuals without access to traditional credit or bank accounts seeking check cashing services; Workers living paycheck-to-paycheck who need a small bridge loan before their next income deposit; Consumers needing international money transfer services without a traditional bank relationship. Individual outcomes vary based on your specific situation.
Key strengths: In-store and online application options for both payday and installment loans; Extended hours including Friday until 8 PM and Saturday until 6 PM for accessibility; No bank account required for check cashing services with valid government-issued ID. Areas to consider: Website does not disclose APR rates, fees, or total cost of borrowing—critical terms not transparent; Payday and short-term installment loans typically carry high interest rates and fees compared to traditional lenders.
In the Emergency Cash category, comparable providers include ACE Cash Express, 12M Payday Loans, 15M Finance. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Easy Cash serves customers in 1 states including Florida. Confirm current service availability in your state directly with the provider.
Listed pricing for Easy Cash: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
This is state-level context for Emergency Cash consumers in Florida. It does not confirm that Easy Cash or this specific location is licensed.
Payday lending in Florida: Legal (max $500)
Usury cap: 18% for loans under $500,000; 25% criminal usury threshold; payday loans regulated separately
Florida allows payday lending with notable consumer protections including a statewide database preventing multiple simultaneous loans, a $500 cap, and a 24-hour cooling-off period. The Office of Financial Regulation oversees all consumer lenders. Consumers can file complaints online through the OFR or the Attorney General.
Comparable Emergency Cash providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.
ACE Cash Express offers payday loans ($100–$255) and short-term cash advances in California, with both online and in-store options for fast emergency funding.
Rating 3.3/5
Notable: Low loan caps ($100–$255 max in California) reduce the risk of over-borrowing compared to larger payday loans
12M Payday Loans operates physical locations across California offering fast payday loans up to $5,000 and check cashing services for urgent financial needs.
Rating 2.8/5
Notable: 14 physical store locations across California enabling in-person service and same-day transactions
15M Finance offers payday and installment loans up to $5,000 with online applications and 24-hour funding. A loan marketplace that connects borrowers to lend...
Rating 2.8/5
Notable: Advertises same-day or next-day funding (within 24 business hours) for time-sensitive borrowing needs
1st Capital Car Title Loans Clover offers fast title loans up to $10,000 in Clover, SC, allowing borrowers to keep their vehicles while accessing emergency cash.
Rating 4.3/5
Notable: Loan amounts up to $10,000 available for emergency cash needs
Second Chance Ventures is a loan matching platform connecting borrowers with lenders for small personal and short-term loans ($100-$5,000) with fast funding.
Rating 2.6/5
Notable: Two-minute application process requiring only basic identity, employment, and income information
300 Cash Loans Houston, TX — 300 Cash Loans offers payday and installment loans up to $5,000 in Houston with no hard credit checks and next-business-day...
Rating 2.8/5
Notable: No hard credit checks; applicants approved based on income and eligibility rather than credit score
A-1 Cash Advance offers payday loans up to $825 with same-day online approval and check cashing services across Indiana and Tennessee locations since 1996.
Rating 2.8/5
Notable: Same-hour online approval with 24/7 application availability
Georgia-based lender offering small personal loans up to $2,000 with same-day approval and pickup. Licensed by Georgia Department of Banking & Finance with 1...
Rating 2.6/5
Notable: Same-day approval and cash pickup available for applications submitted before 2 PM
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Easy Cash — Emergency Cash in Florida.
Overall rating: 2.2/5
ACE Cash Express offers payday loans ($100-$500) and installment loans ($100-$1,000) with same-day or next-day funding at physical locations and online.
Common terms that come up when comparing Emergency Cash providers. Full glossary at creditdoc.co/glossary/.