ACE Cash Express offers two popular loan types: payday loans and installment loans. Both aim to help consumers cover urgent expenses between paychecks or over a short term. If you’re looking for a digital-first loan provider with store support, ACE Cash Express might be worth exploring. While ACE does not advertise specific interest rates online due to state regulation differences, their products are designed for fast access and transparent terms. Payday loans are typically repaid on your next payday, while installment loans can be spread out over time for more manageable payments. ACE doesn’t impact your FICO® score when you apply, making it an attractive option if you’re concerned about credit checks.

How to Apply Step by Step

1. Choose your state and loan type (payday or installment) on ACE Cash Express’s website.
2. Fill in the required personal and banking information carefully.
3. Submit your application online or visit a nearby ACE store for in-person support.
4. Receive a quick decision, often within minutes of submitting your application.
5. If approved, select your preferred funding method and get your cash—sometimes instantly to a debit card.

Pros of ACE Cash Express Loans

One key advantage is the speed: ACE Cash Express loans are known for near-instant decisions, so you don’t waste time waiting.

No impact on your FICO® score during the application process means less worry if you’re guarding your credit health.

Cons of ACE Cash Express Loans

Rates and fees can be high compared to traditional lenders, depending on your state and loan choice.

Loan availability and amounts vary by state, so not every borrower will have access to the same options.

Verdict: Should You Consider ACE Cash Express?

ACE Cash Express is suitable if you need fast payday or installment loans and want flexibility between online and physical locations. The no-credit-impact application is a big plus for many. If you can repay on time and understand the costs, it’s a strong contender for emergency borrowing.