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Upstart vs Ace Cash Express

Tuesday, April 16th

2024 Personal Loan Reviews

Upstart Review 5 Star Rating

Upstart

5 Star Rating
  • Loans between $1,000 and $50,000 (1)
  • Utilizes more than just your credit score to determine eligibility
  • Connects borrowers to a vast network of over 100 banks and credit unions
  • Fixed 3 or 5 year terms (3)
  • Most loans funded within 24 hours (4)
  • Available in 48 states (excluding Iowa and West Virginia)
  • "A+" rated and accredited by the BBB
  • Over 40,000 five-star reviews from clients
Top Consumer Reviews Best-In-Class Blue Ribbon Award

When you're searching for a personal loan, Upstart makes it simple. They look beyond your credit score, considering factors like your education and work history to offer fair lending opportunities. Qualifying is straightforward, requiring you to meet basic criteria like a minimum income and stable employment. With Upstart's quick application process, you can apply in just a few minutes without affecting your credit score. Plus, you may receive loan offers within minutes and get your funds as soon as the next business day. Keep an eye out for any origination fees, but rest assured that Upstart welcomes early repayments. With thousands of satisfied customers and a stellar reputation, Upstart is our top choice for personal loans, offering competitive rates and terms for borrowers just like you.

Ace Cash Express Review 1.5 Star Rating

Ace Cash Express

1.5 Star Rating
  • Online loans only available in Delaware, Florida, Missouri, Texas
  • Online loan amounts range from $100 to $1,000 or $2,000, depending on location
  • 900 in-person locations across 22 states + DC
  • No application fee
  • 5-month repayment term
  • Interest rates as high as 495.76% APR
  • "A+" rated by the BBB
  • In business for over 50 years
  • Over 38 million customers served

Ace Cash Express offers various financial services, including payday loans, installment loans (also known as personal loans), check cashing, and prepaid debit cards, with over 900 locations across 22 states and DC. If you're facing unexpected expenses or cash flow challenges and have less-than-perfect credit or need immediate funds, Ace Cash Express might seem like a convenient solution. However, online personal loans are only available in Delaware, Florida, Missouri, or Texas, with loan amounts ranging from $100 to $1,000 or $2,000, depending on your location. But be warned: the interest rates can be shockingly high, reaching up to 495.76% APR or more, and the repayment term is short at just five months. While Ace Cash Express has an "A+" rating from the Better Business Bureau and numerous 5-star reviews on Trustpilot, this is a last-resort option for those in desperate financial circumstances, not recommended for typical personal loans used for things like consolidating debt or funding home improvement projects.

Where Can You Find the Best Personal Loans?

Personal loans are a type of borrowing where you can get money from a bank, credit union, or online lender and pay it back over time with interest. Why would you want to take out a personal loan? There are plenty of reasons. Typically, people turn to personal loans for big purchases or expenses you can't afford to pay for all at once, like buying a car, paying for a wedding, or covering unexpected medical bills.

Personal loans can also be helpful if you want to consolidate high-interest debt from credit cards into one lower-interest loan, which can save you money in the long run. Some people also use personal loans to fund home improvement projects or even to take a much-needed vacation.But before you go rushing off to apply for a personal loan, there are a few things you should consider.

The Best Personal Loans Compare Personal Loans Compare Personal Loan Reviews What are the best Personal Loans Best Personal Loan Reviews

Personal Loan FAQ

Any way you like! Personal loans typically don't come with restrictions on how they're used. Paying off high-interest credit cards, splurging on a luxury item you've always wanted, taking a much-needed family vacation: you can use your personal loan for all of that and more.
Most banks and credit unions offer personal loans, but your financial institution might not offer the most competitive rates. There are many lesser-known sources that want to earn your business with lower APRs and more personalized attention over the life of the loan.
That depends on a number of factors, such as your credit history and income. It's definitely worth shopping around, just like you would when buying a car or other big-ticket item. Consider using a service that allows you to get loan offers from multiple lenders with a single application: that will make it more likely that you'll get the best possible rate and terms on your personal loan.
When you're making an initial inquiry to see if you qualify for a personal loan, it usually involves a "soft pull" on your credit - verifying your identity, credit score, and current debts. That will not lower your credit score. However, if you take the next step and apply for a specific loan, expect that your credit score may dip a (but only temporarily).
Most lenders allow you to complete the process online, from beginning to end. That's a big perk for people who can't get to a brick-and-mortar bank during regular business hours.
Personal loans are available in amounts ranging from $100 to $100,000. Before you get too excited and start planning how you'll spend the money, keep in mind that the amount you'll actually be approved for depends on your financial situation. The higher your credit score and the lower your outstanding debts, the more likely it is that you will qualify for a bigger loan.
The application process can be extremely fast: some lenders can approve your loan in just a few minutes. Once you accept a personal loan offer, most providers will direct deposit the funds within 1-5 business days.
As with any kind of loan, it's important to keep track of the details: don't borrow more money than you can comfortably repay, make on-time payments every month, and communicate with your lender if unforeseen circumstances arise (e.g. unemployment, natural disaster, disability) and you need forbearance or other accommodations. It's also wise to check out the reputation of the lender: reviews from previous clients and a rating from the Better Business Bureau can be very informative as you decide which provider to use for your personal loan.
Compare the Best Reviews

Continued from above...

First, think about whether you really need the money and if you can afford to pay it back. Taking out a loan is a big responsibility, and you don't want to get in over your head with debt. Take a look at your budget and make sure you can comfortably make the monthly payments.

Next, you'll want to shop around and compare loan offers from different lenders to make sure you're getting the best deal. Pay attention to things like interest rates, fees, and repayment terms. You can usually get prequalified for a loan online without affecting your credit score, which can help you see what kind of offers you might be eligible for.

Speaking of applying online, should you do it? Absolutely. It's super convenient to apply for a personal loan online since you can do it from the comfort of your own home and compare offers from multiple lenders without having to visit a bunch of banks or credit unions in person.

Plus, many online lenders offer quick approval and funding, so you can get the money you need fast. Just make sure you're dealing with a reputable lender and that you understand all the terms and conditions of the loan before you sign on the dotted line.

Now that you're ready to apply for a personal loan, which lender or website is best? Here are some things to look for as you make the decision:

  • Can the lender offer you the amount you're thinking of borrowing? Some personal loan providers only go up to $10K, while others go as high as $100K.
  • Rates and fees. It's important to know not only how much you'll be paying in interest but also in fees (like origination). Fees are often taken out of the loan money before it hits your account, which can affect the amount of the loan you need to request.
  • Funding timeframe. How long will it take for your loan money to get to you? Can you get it deposited into your bank account in a day or less? If you need the money quickly, choose a lender that can get it done fast.
  • Reputation. Does the lender or referral service have a good reputation? Do people who have used it to borrow money recommend it? Has the Better Business Bureau given the company a good grade?

To help you find the best option for getting a personal loan, the experts at Top Consumer Reviews have reviewed and ranked some of today's most popular lenders and referral platforms. Use our research to start your journey with a trustworthy company and get the funds you need!

Compare Personal Loans

Select any 2 Personal Loans to compare them head to head

best-personal-loans
  • Upstart
  • SuperMoney
  • Discover
  • Happy Money
  • SoFi
  • Splash Financial
  • LendingTree
  • Prosper
  • Bad Credit Loans
  • Ace Cash Express
  • Personal Loans
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