ACE Cash Express

ACE Cash Express is one of the most recognizable storefront payday and installment lenders in the United States. For borrowers who need cash the same day and prefer a physical branch, ACE can be convenient: many locations offer deferred presentment and short-term installment products with on-site decisions and cash disbursement. That convenience, however, comes at a steep price that every applicant should understand before signing.

As of our 2026 review of disclosed terms, ACE payday loans carry an APR of 662%. Installment loans are disclosed between 396.53% and 495.76% APR. Across products and states, ACE’s published overall APR band is 91.52% to 630.13%, which still places most offers far above credit-union PALs, personal installment loans from non-payday lenders, and many online marketplace alternatives that CashLoanSameDay helps consumers compare. Loan amounts typically range from $100 to $1,500 depending on product, state law, and underwriting. Even at the low end of ACE’s overall band, short-term borrowing remains expensive relative to most mainstream credit products.

ACE is a direct lender — not a comparison marketplace — so you apply to ACE specifically, and ACE alone sets approval, pricing, and repayment. That single-lender model can feel simple at a store counter, but it also means you do not automatically see competing offers with different APRs, terms, or funding rails. Before borrowing, compare ACE’s disclosed APR and repayment schedule against state caps where they exist, credit-union payday alternative loans, employer or earned-wage advances, and a multi-lender comparison request through a marketplace like cashloansameday.com.

Our editorial score of 2.8 out of 5 reflects strong marks for store access and funding speed, middling transparency, and weak scores on total cost and repayment flexibility. Short-term loans are expensive credit intended for genuine emergencies, not recurring bills. If you use ACE, read the full agreement, confirm licensing in your state, calculate the total dollars you will repay — not just the APR percentage — and have a concrete repayment plan before you sign. If you cannot repay on schedule, contact ACE early and ask what hardship options your state requires.