ACE Cash Express is a multi-service financial retailer offering check cashing, installment and title loans, money transfers, bill payments, cards, and tax services in-store and online.
Editorially reviewed by Harvey Brooks
ACE Cash Express is a large national chain of financial service centers operating physical store locations across the United States, including in Colorado. The company has historically served consumers who need access to financial services outside of traditional banking channels, with a footprint of brick-and-mortar locations complemented by online loan products.
ACE offers a notably broad range of services visible on their website: installment loans, title loans, and online loans on the credit side; check cashing, bill payments, money transfers, and business services on the transaction side; prepaid cards and the Porte product on the banking-adjacent side; and tax preparation services rounding out their offering. This makes ACE more of a one-stop financial services shop than a single-product lender.
What distinguishes ACE from pure payday or title lenders is the breadth of non-loan services. Customers can cash checks, pay bills, send money, and get taxes filed at the same location where they might obtain a short-term loan. The company also maintains dedicated contact channels for general customer service and a separate line specifically for online loan inquiries, suggesting meaningful online loan volume alongside in-store traffic. A Porte product (likely a debit/prepaid card) also indicates movement into deposit-adjacent products.
Honestly, ACE Cash Express primarily serves consumers who lack or prefer not to use traditional bank accounts, and the loan products it offers — installment and title loans — carry substantially higher costs than bank or credit union alternatives. The 404 errors on the specific Denver location page reviewed suggest some location data may be outdated or that individual store pages are not reliably maintained. Consumers should verify specific location services, hours, and current rates directly before visiting, as service availability varies by state.
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Yes. ACE Cash Express is a registered company headquartered in 2107 Beatties Ford Rd #1, Charlotte, NC 28216. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is best suited for unbanked or underbanked consumers who need check cashing, bill payment, or short-term loan access outside the traditional banking system, ideally near a physical ACE location. The main caveat is that its loan products — installment and title loans — are high-cost financial products, and consumers with access to a credit union or bank should compare rates carefully before borrowing.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-26
ACE Cash Express offers payday loans ($50–$1,500), installment loans, check cashing, money orders, and prepaid debit cards at 600+ stores in 36 states and online.
Best for: Unbanked or underbanked consumers who need to cash a check without a bank account, Borrowers needing small emergency cash ($50–$715) same-day at a physical store
South Carolina-based SBA lender offering 7(a), 504, and SSBCI loan programs to small businesses for 68+ years with $2.07B invested.
Best for: Established small businesses in South Carolina seeking $100K–$5M for equipment, real estate, or business acquisition, Manufacturers and real estate-intensive businesses qualifying for 504 fixed-rate financing with high LTV requirements
Cash Nerd! is a Charlotte-based business funding broker offering loans, MCAs, and alternative financing for startups and established businesses seeking rapid access to capital.
Best for: Small business owners seeking multiple financing options without approaching lenders individually, Startups needing business formation services bundled with funding solutions
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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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