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ACE Cash Express Review

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ACE CASH EXPRESS

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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Payday Loans

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

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.

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!



What to Look For in a Payday Loan

When searching for any type of loan, including payday loans, there are a number of factors to consider. Although fast cash payday loans are different in some respects, they are very much like any other loan in that convenience, cost and quick replies are essential. With that in mind, this article is designed to give you an accurate and detailed look at some of the factors to look for when choosing where to submit your application for payday loans.

  • Convenience. Can you apply online? If so, how long will the application process take? With the internet being so popular, many lenders now allow for fast and easy online applications, which also means quicker approvals. Due to the fact that payday loans focus less on credit history and more on your current ability to repay the debt, there is often a faster response, especially if your employment and income and easily verifiable.
  • Response Time. While considering payday loans, you should look at the average length of time for an approval and an estimate on how long it will be before you receive the cash advance. Payday loans are often referred to as a cash advance because, quite simply, they are a cash advance with your next paycheck being used as collateral.
  • Loan Fees. Every lender is different, but one thing remains virtually universal when it comes to payday loans. Almost every lender will impose a fee that is based on the amount of money that you borrow. In addition to the full amount of the loan being repaid, the fee must also be paid before the loan will be satisfied. It is crucial that you know exactly how much these fees are prior to applying for payday loans.
  • Loan Amount. Most payday loans are issued for an amount up to and including $1,500.00, but some may only lend up to $500.00. Available loan options, including the maximum loan amount, may differ from one lender to another. Prior to requesting payday loans, you should think about how much money you actually need and then look for a lender who can help you.
  • Reputation. One of the most important things that a company can have is its reputation, which is why it is important to research a payday lender as thoroughly as possible. It may be a good idea to research company both with the Better Business Bureau (BBB) and through reviews produced by independent, third-party reviews.

Payday loans offer quick cash for those who need it and, best of all, they are available almost immediately. These types of loans help those who may be faced with life's unexpected events, expenses or are just running short on cash and need a helping hand until the next paycheck rolls in. Whatever the reason, payday loans provide a valuable service and it's important to know what to look for and how to choose the right lender for you.

 



Payday Loans In The News

Charlene Crowell: Prayers and Petitions Call for Payday Loan Rule Enactment

*Every year the payday lending industry convenes in an effort to further expand and preserve the combined $8 billion-dollars in fees generated each year by consumers caught in that and car-title ...

Published:  Thu, 21 Mar 2019 08:39:00 GMT



Texas Federal Court Continues Stay of Trade Groups' Lawsuit Challenging CFPB Payday Loan Rule and Stay of Compliance Date

The Texas federal district court hearing the lawsuit filed by two trade groups challenging the CFPB's final payday/auto title/high-rate installment loan rule (Payday Rule) entered an order yesterday ...

Published:  Wed, 20 Mar 2019 12:34:00 GMT



Colorado AG urges Trump administration to act on payday loans

Colorado Attorney General Phil Weiser is among state prosecutors urging the Trump administrative to enact new protections for those who take out payday loans. He is is one of 25 attorneys general ...

Published:  Tue, 19 Mar 2019 14:47:00 GMT



Herring, other AGs criticize federal change on payday, car title loans

Could it be, just possibly be, that lobbying to protect high interest rate loans pays off That, in any event, is what Attorney General Mark Herring and 24 other top state law enforcement officers ...

Published:  Wed, 20 Mar 2019 07:52:00 GMT



I just wanted to know if Fund My Payday Loan is a Scam. Can I trust it I need your help!!

I just wanted to know if Fund My Payday Loan is a Scam. Can I trust it I need your help!! Answer : I recommend one to visit this site where one can get from different companies: http ...

Published:  Tue, 19 Mar 2019 23:01:00 GMT



New US ambassador warns of China's "˜payday loan diplomacy'

CANBERRA, Australia (AP) - The new U.S. ambassador to Australia says he's concerned about the way China lends money to developing Pacific nations in what he describes as "payday loan diplomacy." ...

Published:  Thu, 21 Mar 2019 02:55:00 GMT




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