ACE Cash Express operates 12+ locations in the Orlando area offering payday loans ($100-$500), installment loans ($100-$2,500), and check cashing services with same-day funding.
Editorially reviewed by Harvey Brooks
ACE Cash Express is an established financial services provider with multiple physical locations across the Orlando, Florida metropolitan area, including nearby cities like Casselberry, Apopka, and Kissimmee. The company has been operating brick-and-mortar stores for emergency cash needs, with most locations opening at 9:00 AM and some as early as 8:00 AM to serve working customers. ACE offers a range of short-term lending products designed for consumers facing immediate financial gaps between paychecks.
The company's primary offerings include payday loans ranging from $100-$500 available in-store, and installment loans from $100-$2,500 that can be applied for online or in-store. Beyond lending, ACE provides ancillary financial services including check cashing, bill payment, money transfers, money orders, ATM access, and tax preparation services. They also offer branded card products (ACE Elite Card, Flare Account, and Porte) that provide banking functionality through partner institutions like Pathward National Association.
ACE distinguishes itself through its extensive physical footprint in the Orlando area—12 locations within a reasonable radius—which provides same-day access for in-person loan applications and immediate funding. The multi-service approach allows customers to handle various financial needs at a single location. Online application options for installment loans add flexibility beyond the traditional in-store model.
As a payday lender, ACE serves consumers in genuine financial emergencies but carries the inherent limitations of short-term, high-cost debt products. The $100-$500 payday loan ceiling limits utility for larger emergencies, while the installment loan option provides somewhat longer repayment terms but remains a costly borrowing method. Customers should exhaust alternative funding sources and understand full repayment obligations before using these services.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Sate Payday Loans is a registered company headquartered in 7680 Universal Blvd #201, Orlando, FL 32819. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is best for Orlando-area consumers facing genuine short-term cash emergencies who need guaranteed same-day funding and value physical store access. However, the payday loan model carries high costs and debt cycle risks; customers should exhaust alternatives like employer advances, credit union PALs, or hardship programs before using these services.
Nations Lending is a retail mortgage lender offering home purchase loans and refinances in all 50 states, specializing in FHA, VA, USDA, and jumbo products.
Best for: First-time homebuyers seeking FHA loans or Down Payment Assistance programs, Veterans and active-duty service members pursuing VA home loans
Direct private money lender for Florida real estate investors. Offers fix-and-flip, rental, and refi loans from $100K at rates starting at 11.99%.
Best for: Florida house flippers needing fast acquisition and renovation financing on properties over $100K, Landlords building rental portfolios in central and coastal Florida counties
Florida pawn shop chain offering collateral-based loans, outright item purchases, retail resale, layaway, and luxury watch authentication across 17+ locations.
Best for: Florida residents needing fast cash without a credit check and willing to pledge personal valuables as collateral, Owners of luxury watches or high-end jewelry seeking authentication services and knowledgeable appraisal
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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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