ACE Cash Express offers small emergency loans, title loans, check cashing, and financial services with multiple locations and same-day funding options.
Editorially reviewed by Harvey Brooks
ACE Cash Express is an established financial services company operating a network of physical store locations across multiple states, including Colorado. The company has been providing emergency financial solutions to consumers who need quick access to cash. Based on their website navigation and service offerings, ACE has built a multi-service model beyond simple payday lending.
The company offers a diverse range of financial products including installment loans, title loans, check cashing, bill payment services, money transfers, tax services, and online loan options. Their website indicates they have an online lending platform alongside their physical retail locations, suggesting they serve both in-person and digital customers. They maintain customer service operations with dedicated phone lines and email support for different service categories.
ACE operates in a heavily regulated industry and displays compliance messaging around state-specific loan availability (noting that certain loan types are not available in specific states like Colorado for some products). They collect California resident privacy notices and comply with state-by-state lending restrictions. Their marketing includes promotional campaigns like gift card sweepstakes to attract new customers.
A significant caveat is that the provided store location pages return 404 errors, making it impossible to verify current hours, services at that specific location, or whether the Denver store is actually operational. The outdated Hurricane Ida reference (2021) on their website suggests maintenance gaps. While ACE offers legitimate financial services, prospective customers must verify store availability and specific product eligibility before visiting, as location-specific information is not accessible through the provided URLs.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. ACE Cash Express is a registered company headquartered in 6040 E Virginia Beach Blvd, Norfolk, VA 23502. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is appropriate for consumers in urgent need of emergency cash who prefer or require in-person service at physical locations, or who need bundled financial services like check cashing and money transfers. The critical caveat is that location information on their website appears broken or outdated, so customers must independently verify store hours, current operations, and product availability before attempting to visit or apply.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-04-02
5 Star Car Title Loans offers vehicle-secured loans from $100–$50,000 with same-day funding. Borrowers keep their car while repaying. Licensed in ~18 states since 2012.
Best for: Car owners with bad or no credit who need fast cash and have exhausted lower-cost options, Borrowers needing larger emergency amounts ($5,000–$50,000) secured against a vehicle
LoanMax Title Loans offers cash loans up to $10,000 secured by your car title, with Michigan locations and minimal paperwork since 1990.
Best for: Vehicle owners with a clear, paid-off title who need cash quickly and have no other credit options, Borrowers in Southgate or southeast Michigan who prefer in-person loan transactions
LoanMax provides auto title loans up to $10,000 with same-day funding, requiring only a vehicle, photo ID, and clear title. Founded in 1990, they operate multiple locations across the U.S. including Michigan.
Best for: Vehicle owners facing genuine emergencies (medical, eviction, utilities) who can repay within the loan term, Borrowers with poor credit unable to qualify for personal loans or credit cards who own paid-off or mostly-paid vehicles
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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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