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      June 1, 2020

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ACE Cash Express vs Cash Central

Best Payday Loan Companies

To help you find the Best Payday Loans, TopConsumerReviews.com provides you with an in-depth comparison of ACE Cash Express and Cash Central.

To see ALL of our reviews for the Best Payday Loans, please Click Here

Payday loans provide a much-needed service to millions of people. There are many times when short-term debts outrun the ability to pay. In times like this, a payday loan (a loan against a future paycheck) can provide the cash necessary to meet those needs.

The advantages of payday loans are many. Often they don't require a credit check from the major three credit bureaus. The best payday loans offer amounts that can range from a few hundred dollars to $1,000. And you receive your loan very quickly; sometimes as soon as tomorrow.

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2020

Payday Loan Reviews

4 stars
ACE Cash Express

ACE CASH EXPRESS

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Loan:

Amount varies by state

Cost:

Varies based on your state and the length of the loan

ACE Cash Express is a leading retailer of financial services, including payday loans, consumer loans, check cashing, bill payment, and even prepaid debit cards. As the largest owner and operator of check cashing stores in the U.S., they bring a rich history of payday loan servicing to the Internet.

The payday loan application process at ACE Cash Express is easy. You simply enter your information into their online form and press send. There is nothing to fax, and you receive your approval in minutes. Once approved, an ACE Cash Express representative calls you to review your payday loan information. While we would prefer to complete the payday loan process without the necessity of a phone call, the representatives are helpful and can answer any questions you might have about your payday loan.

In addition to payday loans, the ACE Cash Express website offers a variety of other lending needs. These include installment loans, title loans, prepaid debit cards, and auto loans. They also offer a convenient store locator, where you can cash checks, purchase money orders, send a money transfer, and more.

The biggest downside to ACE Cash Express is that they currently only offer online payday loans in 11 states. If you happen to live on one of those states, then you're in luck - otherwise you would need to visit one of the 950+ locations they have throughout the country in order to get a payday loan from ACE Cash Express.

We like the reliable history that ACE Cash Express offers with their payday loans. They are a dependable, nationwide company and they provide financial services beyond just the short-term cash advance. However, the limited number of states where they offer payday loans hurts them in our rankings.

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2.5 stars
Cash Central

CASH CENTRAL

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Loan:

$100 - $500 for first time customers

Cost:

Varies based on your state and the length of the loan

Cash Central is an actual lender with a building and 400 plus employees, not just a brokering website. That may or may not be important in the end, but they do offer helpful customer service, and when you call you get to speak to a real person, who will happily give you the interest rates for your state. The downfall of Cash Central is that they are only set up to lend to residents in certain states, all in the western half of the US.

The information they request is pretty much the same as all the others; personal, employment and financial. After the loan has been approved, which takes just a few minutes, the customer's account usually funds the next business day. They provide live customer service 7 days a week if a borrower has questions.

Cash Central understands the importance of repeat business and fosters that customer relationship by being accessible via phone, email, and postage mail. This may not seem like a big deal, but most of these online businesses don't offer that level of service.

Their application process is simple, with no faxing and no paper hassles. As they say, they are "Easy, no driving, no bullet proof glass, no leaving the house".

Cash Central offers a good payday loan program with competitive rates. We just wish it had a higher limit and was offered in more states.

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Continued from above

Drawbacks? Payday loans typically charge service fees that are greater than traditional loans. These service fees can range from $10 to $30 per $100 loaned, and sometimes even more. Many states have regulations stipulating the amount of service fees that can be charged. Obviously, the best payday loans are meant to address quick cash needs, and should not be used as a long-term solution.

Still, in order to meet short-term obligations, payday loans can provide a fast and easy solution. When evaluating different payday loans, there are certain factors you want to consider. Some of these include:

  • Loan Amount.  How much money do you need? A variety of loan amounts are offered by different lenders.
  • Service Fees.  Look for companies that state their fees up front or guarantee lowest fees.
  • Convenience.  Can your application be processed entirely online, or will you need to fax in documents? How quick will the money be deposited to you?

TopConsumerReviews.com has reviewed and ranked the best payday loans available today. We hope these reviews help you meet your short-term financial needs!

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