
Ace Cash Express Reviews
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About Ace Cash Express
- Quick loan approval process
- Convenient online application
- Flexible repayment options
- High interest rates
- Aggressive debt collection practices
- Frequent miscommunication issues
Payday lending is illegal and unavailable to consumers in some states. Payday loans usually have very high interest rates and carry risk. As with any loan, consumers should have a clear understanding of the fees, terms and conditions of any payday loan before borrowing.
Ace Cash Express Reviews
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Reviewed July 16, 2026
Amanda helped me. She was extremely friendly and the service was fast and easy.
Reviewed March 3, 2026
I am respectful. I speak. My parents teach me growing up be respectful. Treat others the way I will like to be treated. I went to the Ace on Woodland Avenue in Southwest. It is ridiculous already how most time it be always one line...1 teller working...I spoke no answer. I'm not here to be your new girlfriend..I demand respect. Have great customer service. You having a bad day stay home...I was there this particular day to put cash on my debit card..Mind you first time using. Just came in the mail...She was so nasty rolling her eyes. What card you have. I told her in the beginning the Ace debit card...I put my PIN number in for the card I am taking the money off. I put the wrong PIN number. I'm human. She nasty. Didn't have no patient with a aggressive voice wrong PIN. She must be having a bad day I get it.
Customer service BY THE WAY I USED TO BE A TELLER AT A REAL BANK. LOL. It's not all sunny days, ice-cream, birthday cake days. I still manage to say have a good day. This the ONE on Woodland Ave I'm sure I am not the 1st or last to report BOTH not professional behavior...The 2nd time I went there like the next 2 weeks the same nasty one wait on me. I think she was training someone...I wanted to do the same transaction she get smart again. Unprofessional in front of her coworker. The other girl started laughing at me. Both of them **. 1 slim thin built. The other 1 kind of overweight and short the nasty one...
I feel you guys should have more tellers in your store working avoid long lines and please hire more professional tellers that smile and speak good morning. I hope this do not fall on deaf ears...You never know what someone going through in their life...Your tellers not a go. I wouldn't hire. The ones I see in Philadelphia and the one on 52nd and Baltimore all act like they don't want to work. Ridiculous.
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Reviewed Nov. 19, 2025
Shout out to Maria & Zonia on Vermont and Gage. I love you guys and thank y'all for y'all patience and helping me get my replacement being that the new one is coming in the mail. Y'all deserve a raise for sure.
Reviewed Oct. 14, 2025
Chevron was very nice and helpful. I will recommend anyone to have her serve them. I felt very comfortable with her helping me. She was very knowledgeable and polite, I recommended my family and friends to use Ace services.
Reviewed March 20, 2025
My veteran client and myself arrived at Ace Cash Express #3271 and Dorothy greeted us as if we were family. Dorothy treated us with the utmost respect and took the time and had the patience while we obtained the necessary documentation to get my client’s cash checked. She was so helpful and just so nice. It’s nice to know there are still awesome humans out there who truly want to help people. Thank you so much!!!
Reviewed Jan. 12, 2025
I was in need of a check to be cashed and my bank wanted a 7 day hold which was not possible for me at this particular time. So, I went to ACE CASH EXPRESS at 12803 Nacogdoches Rd here in San Antonio Texas. The young man that helped me **, was very helpful. As for me being a Senior Citizen and not being very savvy if he had not been so kind to explain everything to me and help with the issue I most likely would not have completed the transaction and the issue that i was trying to take care would have been a larger problem for me. So, A VERY GREATFUL HEARTFELT THANK YOU TO ** FOR ALL YOUR HELP and to Ace Cash Express. Sincerely. Phyllis **
Reviewed Dec. 11, 2024
Irene was very nice and very helpful. She also explained things as we were going along. Irene had very good customer service. Irene explained to me about the new Porte card very good and am going to download and start using it.
Reviewed Nov. 27, 2024
The lady was very nice and very professional! All the way around wonderful. We need more people like her in this world! Goldsboro NC Spence ave! Will be coming back! M. **! Thank you so much continue.

Reviewed Oct. 25, 2024
If you're looking for a scam, then you've found it. At first, when I was told I could receive between $2,000 and $8,000 unsecured, I was overjoyed. However, I couldn't understand how, seeing as my credit score was undoubtedly poor. I had spoken to the gentleman named Dominic, and not only was he rude when I couldn't hear him on the other line, but he was also very pushy. He kept telling me to read the contract thoroughly. Now, I'm not saying that a company shouldn't be honest with their customers about their contract, but the fact that he was so insistent about it concerned me.
Upon receiving the loan document, I decided to take his advice seriously and read it carefully. In the loan document, if you do not have at least a 700 credit score, which I doubt anyone going to this company does, they're going to charge you either a $298 insurance fee or a $250 deposit fee that you may or may not get back within two days. And the kicker is they don't even check your credit until you sign the loan agreement, which basically locks you into a $150 fee no matter what happens!
I found this extremely strange, as no reputable lending company would ever ask you for an insurance fee or a deposit fee for money that you probably don't even have. Then, on top of that, they will charge you a $150 fee if you sign the loan agreement and then try to back out, if you don't read carefully. This is all before you're even informed about how you'll receive your funds or when you'll be receiving your funds. On top of this, he was still pushy and insisted the fee was only if you decided not to pay the loan, as they would be losing money since there's no collateral.
I politely told him that I would no longer like the loan, and thank goodness I did, or I would have been out $150, and probably more. I truly recommend that if there is a safer option or a more reputable company, you go to it. Do not use Ace Cash Express. If you need a loan company and you need one now, try Lendly or Uprova. You won't get scammed, and you'll get your money. On a final note, people like Dominic should be ashamed, trying to scam those who are down on their luck.
Reviewed July 27, 2024
Went to apply for an emergency cash loan at a local Ace Cash Express. I Googled the place beforehand and saw a bunch of stellar reviews, so I assumed they’re a great, legitimate service. I did the application as normal, and assumed I’d get approved since I have in the past (plus my credit score is better now). In fact, whatever they were gonna offer me, I was going to legit tell them I only need $235 (very specific, because of the tight bind I’m in). I was authorizing forms via the keypad they have up front, and before the application was done, the gentleman helping me slid me a Google review card and said something along the lines of “And while we wait for this application to process, if you could scan this and leave me a Google review right now.”
I thought it was odd that he wanted me to leave the review right now, but I accepted the card while paying attention to the keypad to act as if I was focused on the terms & agreements on the screen (but I definitely notated in my mind that this was odd and explained why their store has over 200 five star reviews that mention the agent by name). Once the application went through, he let me know I was denied. He handed me a document/receipt regarding the denial and said I can call the number to find out why I was denied; he also said I can go online and try reapplying there since most people get denied in person but approved online. I left the store and when I got to my car, the document shows my reason for denial as “Customer does not meet age restricted eligibility requirements”.
Excuse me?! I’m not sure if the requirement is 18 years of age, 21 years of age, even 25 years of age, but I am definitely older than all 3 of those ages and the application had my correct birthday so there’s no way there was a “mistake” on the application. I now truly believe that they allow you to be approved after you’ve scanned and left a Google review right then & there, and if you don’t/decline, they change something in the computer from their end to get you denied (I noticed that when I pretended to pay no mind to leaving a review, he then started typing something on the computer). Also, I realized that as I arrived to the store, a gentleman was sitting on one of the chairs on his phone typing away but he was already in the process of being helped, and once he finished what he was doing on his phone, the agent said he was approved and handed him money.
I was curious, so I went to the store’s Google reviews, and sure enough there was a new (less than an hour before) review from a man who looked like that guy! I definitely think this company is operating as a scam: will only allow you to be approved if you leave a 5 star review right then & there, or mess with your application to get denied when you don’t. I’m actually grateful I got “denied” because who knows what other shady financial stuff I would’ve fallen victim to. In fact, now I’m worried they have my information on hand and will sell it to third party companies. Do not do business with them, or even set foot in their store!
Reviewed July 16, 2024
On July12 2024 I applied for a loan from Ace Cash Express in Congers New York for 5 thousand dollars..Signed contract and never received nothing! They requested insurance money for loan and I sent.. Next they asked for connecticut finance fee.. I realized it was a scam but I'm out of 300 dollars.. Guy's name is domonic.. Never deal with or trust ace express in congers new york.

Reviewed July 8, 2024
I have done business with Ace Cash Express for a very long time. I kept the past Pay Day loans documents on file. During the time I had loans with this company, I paid on time until the very last one was paid late due to Bank of America closing my account because of unusual circumstances. When the bank closed my account, I did not have access to my funds to pay Ace Cash Express on a timely basis. However, I know my obligations with Ace Cash Express and kept in touch explaining the issues about my funds.
Eventually, I opened a more reliable bank with Wells Fargo and once I received my funds, I did pay the last loan. Then when I tried to apply for another Payday loan with Ace Cash Express, it stated “Poor Loan Performance with us”. This statement still says the same thing after a couple of years and customer service has the nerve to say, "Try it again over and over soon". Every time I tried, the statement remains the same, “Poor Loan Performance with us”.
This shows me that Ace Cash Express will not listen to reason if you have issues with the bank. Do they want me to rob the bank just to get the funds for their convenience. I have dealt with Ace Cash Express Payday competitors like Advance America, Speedy Loan, USA Cash Express, and many more. This is the only Payday loan will not work with you and not being realistic. Sounds like the CEO of Ace Express Cash has unrealistic expectations and is just greedy. I would not deal with Ace Cash Express; this Payday company is not realistic when it comes to lending loans.
Reviewed June 24, 2024
They approve you and somewhere in the contract you sign, they want money upfront to get the loan. Very shady business tactics. If I had the money, why would I need a loan from them. And then of course, if you cancel the loan, they want more money from you.
Reviewed June 1, 2024
Thank you to Rinika I was in and out with all my needs met! Great person skills. Very nice lady! Store was clean and neat! Welcoming environment also! I felt at home while trying to cash my checks! Thank you!
Reviewed April 3, 2024
Jose at Ace Cash Express on MLK Blvd in Los Angeles, California is very kind and helpful. He patiently listened to my concerns and gave advice and help where needed. He is a valuable Employee…very knowledgeable. It’s a pleasure doing business with him.

Reviewed Aug. 25, 2023
Jasmine was very helpful and nice when I came up to the store .. Great customer service… She was very patient with me and getting me everything I need in a timely matter. Will definitely be back .. Thanks again Jasmine.
Reviewed April 19, 2023
Get in and out with her always. No waiting long. She is friendly. Other places I've been cashiers look like they're mad at the world. In Ace cash I never seen a angry face cashier. I been using them for years now.
Reviewed Feb. 15, 2023
I have dealt with Ace for a long time and never had an issue until recently. I have had several loans and paid them back with no problem. When I took my loans my paydays are on Wednesday but for convenience they have allowed me to come in by that Friday to pay this has been the way I've done it for a year now. This last loan I went and paid on Thursday a day earlier I was thinking, the next week I get a letter saying I was put in collections. :(
When I contacted the Muncie IN South location I am told I was suppose to pay on Wednesday. They took my payment, tell me they will see me in two weeks then turn me into collection, I was pissed. Afterwards I am told to just continue to pay but to do it on Wednesday, "Fine", I have 2 more payments. I get paid on Wednesday about to withdraw to make a payment and my account shows ACE took the last two payments out. This is really crazy because I was never late from my original arrangement or after being told to pay on Wednesday. They have no respect for long time customers, it appears. I will not ever go back to them again.
Reviewed Feb. 3, 2023
I borrowed 200.00 and have now paid them 459.00. They just keep taking money out of my account. When is the loan paid for and over. I will never do business with them ever again. What a horrible company. How much money would they keep taking had I not called my bank to stop payment.
Reviewed Nov. 23, 2022
They advertise title loans for a company out of California called Wilshire Consumer Credit/Westlake Financial who then uses a bank in Utah to provide loans well above the interest rate allowed in the state of Florida using Florida’s own title documents. This is a “rent a bank” scheme and I wouldn’t get involved if I were you. They have absolutely taken everything from me. The bank doesn’t ever call regarding the loan. They have 3rd parties on behalf of Wilshire to constantly harass you with phone calls. This is a predatory loan and they need to be shut down. All the companies involved in this little scheme they play. I will not pay a single dime to any of them.
Reviewed Nov. 17, 2022
I would like to compliment Margarita ** for her awesome Customer service. She shows her caring for client's need. Please value her experience. Give her a merit increase..She is always attentive to all the customers.
Reviewed Nov. 11, 2022
I went in to pay rent $545. I had $800 with me. Somehow I gave $700. I got back $53, I go back in to find out they don't have my money. Of course they said I went somewhere else. WRONG. At no time did anyone say, "Hey we reviewed our cameras." Only thing I was told was I was getting no refund. Moral of this mistake if you pay rent here and have any problems good luck. Police will pass the buck and say it's civil and scandalous business will not help you.

Reviewed Aug. 24, 2022
If you apply for an online loan, they are going to deposit a amount in your account, then ask you to withdraw it. And send it back to them. Trust me, when you pull the money out keep it, you will not get the loan.
Reviewed Aug. 18, 2022
My experience checking a check for the first time with Ace was Great!!! Sheliah ** really help me through the process. I also received an Ace card to get my direct deposit for my new job and Sheliah informed me you get paid a few days earlier. I will be returning to that same store for that excellent service!!!
Reviewed March 15, 2022
Yes I’m so thankful for your employee Jennifer at the west 10th street Ace Cash Indianapolis Indiana. She’s so sweet and helpful and always a happy go lucky person. I hardly ever see her in a bad mood or rude to anyone and I see a lot of people being rude to her because she can’t do what they want and I see she tries to help them.
Reviewed Feb. 26, 2022
I just wanted to express my gratitude for the manager Teresa at the Ace cash express on Viscount. I haven't been to that location in a few months and she remembered. She's always kind and very professional. Thank you for all you do Teresa.
Reviewed Aug. 24, 2021
I worked with William **. He told me my credit wasn't satisfactory, so the company put in several deposits, the last amounting to $1,250. I was told to go to the store and get gift cards reflecting said amount, and send to them. It would boost my credit score. I did this three times! What a fool I am. I gave him all my information thinking the company and its rep were trusted because they have been in business so long. They took all my money in my checking and savings account, while William kept telling me to wait 30 min., wait 45 min., wait, wait. I will never, ever do business with this company! Now I am in the negative in both accounts.
Reviewed July 1, 2021
I normally visit your store in Irving Tx. 2802 North MacArthur. Like to give thanks to Ms. ** for her professionalism, know her job responsibilities and getting you out in a timely manner is very important key. Not to mention her greeting and smiles of genuine care for her customers not just about get business for that location. Making sure the customer had a satisfied experience and explains everything in detail. Thank you so much. I will be customer for a long time and telling others of the awesome customer service.
Reviewed June 22, 2021
I went to Ace check cashing to cash a money order, that other places kept denying. The representative, Sheria, went above and beyond to verify my money order was valid. She had to contact several people and wait about an hour, but she was able to verify and cashes my money order. This is excellent customer service and she deserves a bonus or a promotion! Thank you Sheria.
Reviewed June 4, 2021
I have been a Ace Elite as well as NetSpend card holding for over 10 years. I recently noticed a transaction that was not authorized for $1300. I filed a dispute. I reached out to the merchant and was told I could get a full refund due to me not having an account with the company Credit Acceptance. It was for a car loan although they didn't provide me with the account information. I own my car. I was not about to be paying someone else car note. It is a pandemic out here. People are already suffering and struggling.
I was told to go thru my bank and have it disputed. They closed both accounts. When it was done on the Ace not NetSpend. Why because I wanted a refund. Then was told that I would have to wait 7-10 business days to receive my check in the mail. Asked them if they can have it rushed delivered. Was told NO. Why not? They rush deliver the debit cards. Why is a check any different. They act as if they wanted me to get ripped off. Ace sucks all the way around the board.
Reviewed Dec. 30, 2020
I went into Ace Cash Express, The representative was so helpful and courteous to not only me, but the customer on the phone, and the also the customers in the store!! So very friendly. Thank you, ANGELA!!
Reviewed Oct. 21, 2020
I applied for an online loan. Received an email from Ace Cash Express. Was asked to call to confirm. The man insisted over and over again that I get more than what I wanted and then tried to get me to pay them $198 before I was able to receive my loan. No. Don't ever do this. You never pay for a loan ahead of time.
Reviewed April 1, 2020
This is my first time ever applying for a loan and I must admit it will be my last. The whole experience was a complete headache! Right now with everything going on I couldn’t believe that at a time like this while We are going through a pandemic that they would take out every last cent from my account. Then when I called to try to speak to someone Carrie is who I spoke to then when I called to try speak to someone Carrie is who I spoke to Aaron with no help. In fact she was quite rude! I would never recommend this place nor will I return.
Reviewed March 4, 2020
Filled out an online application I wanted to cancel. They tell me that can't find the account despite the fact I give them my information when I call. Yet the account is there online when I log into it. They are fraudulent as hell and don't trust anything they say. Will be putting fraud alerts on my accounts.
Reviewed Feb. 2, 2020
Decided to open an Ace checking account when the Ace employee suggested I do so to avoid paying high fees to cash my monthly and biweekly payroll checks. She said if I had direct deposit I would not be charged anything to withdraw the money, at most 3 dollars. I withdrew 1500.00 yesterday to pay my rent and other bills and was charged 25.00 and some cents. This was at an Ace location on Lafayette and San Bernardo in Laredo, TX. On top of this I am charged a 5 monthly fee for having the account, even though I have direct deposit for two separate incomes. To make matters worse, the overdraft fee of 15 dollars has increased to 20. There are also long lines at the local Ace locations.
Reviewed Jan. 22, 2020
I applied for the installment loan and was pre approved. Sent in information as requested and each time they came up with an excuse it was wrong and would make me reapply. Each time I reapplied the amount would go downs by $100. I even had to mark all my information so they could see it before sending it in because they have no idea what they are looking for. There finally wasn’t nothing they could pick at on my info so they just said they didn’t receive even though I have email proof. The employees have no idea what they are doing and give automated responses. The last time I received calls but left no messages and when I called back the employee had the same damn auto response and stated he showed no calls. Horrible place that has no idea what they are doing.
Reviewed Dec. 13, 2019
Awful. Never use this company. Went to the one on Gravois Road. The girl Anna was so unprofessional. Tried to cash a check. She took forever then tried to charge me 250.00. I said never mind. Went to Check N Go. They cashed it for 90.00 and was very nice. I do not like dishonest people. Please Do Not Use Ace. MARIE
Reviewed Oct. 22, 2019
I have gotten loans from here a couple times. However, I went through some financial hardship. Instead of being given the option to make lower payments for a payday loan. They sent my case to court! I received no mail or phone call until I got the call from the county court! They actually will take you to court for a $200 dollar loan!! Instead of allowing you to make payment arrangements they called me one time and within five minutes they called the people that I had listed on my application. They did that instead of allowing me time to call them back! I do not recommend doing any type of loans with them. Choose another place! There are plenty other loan places offer want to help you pay off your loan without going this far!
Reviewed Oct. 18, 2019
I will never use this company again. I was afraid to try them to begin with and I should have listened to my instinct. I borrowed $500 and ended up paying $971 in 3 payments. Yet I was told a different amount. When I tried calling for customer service they kindly told me they could not see "in store" loan information. Had I made the 12 payments as I had initially signed for I was going to end up paying $1760. Yet in 3 I paid $971. Makes NO sense & I HIGHLY recommend that no one use this company.
Reviewed Oct. 11, 2019
They'll run your credit without permission. They'll call your bank and ask about your latest transactions all to lend you a few hundred. Don't use it. Use lendup.com or cashnet.com instead, they don't run credit.
Ace Cash Express Company Information
- Company Name:
- Ace Cash Express
- Company Type:
- Private
- Year Founded:
- 1968
- Address:
- 1231 Greenway Dr. Suite 600
- City:
- Irving
- State/Province:
- TX
- Postal Code:
- 75038
- Country:
- United States
- Website:
- www.acecashexpress.com




