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Get cash now in Memphis, TN

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ACE Cash Express in Memphis offers payday loans ($100–$425), check cashing, money transfers, and prepaid card services with in-store and online options.

Data compiled from public sources

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ACE Cash Express is an established financial services retailer with a physical location at 4437 S 3rd St in Memphis, Tennessee. The company operates as a multi-service cash advance and financial services provider, not primarily as a payday lender despite offering that product. The Memphis location provides a wide range of consumer financial services including check cashing, payday loans, money transfers via MoneyGram, bill payment, money orders, ATM services, tax refund cashing, and prepaid debit card products (Porte, Flare Account, and ACE Elite Visa).

They also offer personal loans alongside their core short-term lending products. The company distinguishes itself through a hybrid model combining in-store customer service with online application and account management options, plus banking partnerships with Pathward for deposit accounts and card products. ACE operates extended hours (9 AM–7 PM weekdays, 9 AM–6 PM Saturday) and positions itself as a one-stop financial services hub for unbanked and underbanked consumers.

Honest assessment: While ACE serves a legitimate need for short-term cash access and basic financial services, payday loans carry high implied costs (though specific APR/fees are not disclosed on this page), and the company's primary revenue model depends on consumers with limited banking access or credit options. The breadth of services masks that this is fundamentally a high-cost lending operation, and borrowers should carefully evaluate terms before committing to any loan product.

Services & Features

ACE Elite Visa prepaid debit card
ATM services and cash withdrawals
Bill payment services (in-store and online)
Business check cashing and services
Check cashing (no bank account required)
Flare Account online banking
MoneyGram money orders
MoneyGram money transfers (domestic and international)
Payday loans ($100–$425 online or in-store)
Personal loans
Porte prepaid mobile banking account
Tax refund check cashing and tax refund card withdrawals

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Offers payday loans online and in-store with listed funding timing potential ($100–$425 range)
  • Check cashing available without bank account required—only valid government ID needed
  • Extended operating hours (weekdays 9 AM–7 PM) accommodate working customers
  • Multiple financial products in one location (money transfers, bill pay, tax services, prepaid cards)
  • MoneyGram money transfer service available domestically and to 200+ countries
  • Partnership with Pathward provides FDIC-insured deposit accounts and prepaid debit options
  • In-person support for account management and cash withdrawals at physical location

Cons

  • Payday loans carry typical high-cost lending structure with APR and fees not disclosed on this page
  • Full repayment due on next payday creates repeat-borrowing risk risk for consumers living paycheck-to-paycheck
  • Prepaid card and deposit account products involve fees (noted as 'Terms and fees apply' but not detailed)
  • Physical location dependency limits access compared to fully digital lenders
  • No listed pricing or cost calculator visible on the location page

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Memphis, TN. It does not confirm that Get cash now or this specific location is licensed.

State regulator

Tennessee Department of Financial Institutions

Consumer protection

Tennessee Attorney General Consumer Protection Division

Payday loan rules in Tennessee

Status: Permitted

Rate context: Maximum fee of 15% of the advance amount

Amount context: $500

Term context: 31 days

Regulated under Tennessee Deferred Presentment Act (Tenn. Code Ann. § 45-17-101 et seq.). Borrowers limited to two outstanding payday loans at any time. Lenders must be licensed with Tennessee Department of Financial Institutions. No statewide database system currently in place.

Installment loan rules in Tennessee

Status: Permitted

Rate context: 24% APR for consumer finance installment loans; rates may vary for other installment loans

Governed by Tennessee Consumer Finance Act (Tenn. Code Ann. § 45-1-201 et seq.). Lenders must disclose all terms including finance charges, payment schedule, and total amount financed.

Key state rules to check

  • Payday loans (deferred presentment) capped at $500 with maximum fee of 15% of the advance.
  • Maximum loan term is 31 days.
  • Borrowers limited to two outstanding payday loans at a time.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Get cash now offer?

Get cash now offers 12 services including Payday loans ($100–$425 online or in-store), Check cashing (no bank account required), Personal loans, MoneyGram money transfers (domestic and international), MoneyGram money orders, and 7 more.

What profile signals are listed for Get cash now?

Get cash now has profile signals associated with Unbanked or underbanked consumers needing immediate access to cash and basic financial services, Workers with irregular income or unexpected expenses requiring emergency short-term loans, Check earners without bank accounts who need reliable check cashing without account requirements, Consumers seeking multiple services (transfers, bill pay, tax refunds) at one physical location.

What are the strengths and weaknesses of Get cash now?

Key strengths: Offers payday loans online and in-store with listed funding timing potential ($100–$425 range); Check cashing available without bank account required—only valid government ID needed; Extended operating hours (weekdays 9 AM–7 PM) accommodate working customers. Areas to consider: Payday loans carry typical high-cost lending structure with APR and fees not disclosed on this page; Full repayment due on next payday creates repeat-borrowing risk risk for consumers living paycheck-to-paycheck.

How does Get cash now compare to similar companies?

In the Emergency Cash category, comparable providers include Columbia Check Advance & Auto Titles, E Z Cash, Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
59 Monroe Ave, Memphis, TN 38103
BBB Accredited
No
Visit Get cash now

CreditDoc Profile Note

Research Note on Get cash now

ACE Cash Express Memphis is profile signals for unbanked consumers and check earners who need immediate emergency cash or basic financial services without a traditional bank account. The primary caveat is that payday loans, while fast and accessible, are high-cost debt products suitable only for true emergencies with repayment plans in place—not recurring financial management.

Profile Signals

  • Unbanked or underbanked consumers needing immediate access to cash and basic financial services
  • Workers with irregular income or unexpected expenses requiring emergency short-term loans
  • Check earners without bank accounts who need reliable check cashing without account requirements
  • Consumers seeking multiple services (transfers, bill pay, tax refunds) at one physical location
Updated 2026-05-08

Similar Companies

Columbia Check Advance & Auto Titles logo

Columbia Check Advance & Auto Titles

Neighborhood Cash offers title loans, payday loans, and signature loans with provider-stated funding timing across Tennessee and Kentucky locations. New customers receive promotional offers including advertised 0% interest to verify for 30 days on title loans.

BBB: NR

Profile signals: Vehicle owners needing $1,000-$2,500 in emergency cash who qualify for title loans, Employed individuals with checking accounts facing short-term cash access shortages (payday loans)

View Details
E Z Cash logo

E Z Cash

E-Z Cash offers payday loans (up to $425) and title loans (up to $2,500) with fast funding at physical locations across Tennessee, Mississippi, and Louisiana.

BBB: NR

Profile signals: Workers facing genuine one-time emergencies with no other credit access who can repay in 14 days, Vehicle owners needing $500–$2,500 quickly with title loan as collateral alternative

View Details
Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances logo

Murfreesboro Fast Cash - Payday Loans, Title Loans, Cash Advances, and Check Advances

Review this provider profile and compare source-linked details before choosing what to do next.

BBB: NR

Profile signals: Consumers in Murfreesboro area seeking emergency cash who can visit in-person, Those willing to contact via phone to verify current operations before applying

View Details

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Quick Summary

  • Get cash now is listed as a Emergency Cash provider in Memphis, TN on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.

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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 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.

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 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.

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 may only be required 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 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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