ACE Cash Express
Irving, TX Founded 1968· Payday Lender
Storefront and online payday lender with extreme APRs. Heavy regulatory history, including CFPB enforcement actions.
Recommendation
Avoid
Trust
22
Predatory Risk
6
Lower is safer
Sentiment
21
Complaints
12
Lower is better
Fee Transparency
28
APR Range
199% – 661%
Loan amounts
$100 – $2,000
Term
14 days – 12 months
Red flags
- APR can exceed 600%
- Documented CFPB enforcement for unfair practices
- Rollover loans trap borrowers in debt cycle
- Aggressive collections reported
Positive signals
- No notable positive signals found.
AI Summary
Based on 3,180 reviews and 1,584 complaints, ACE Cash Express shows strong predatory patterns. The most common borrower complaint is "Debt Trap / Rollovers". We recommend you avoid.
What borrowers say
Anon2025-02-19
★☆☆☆☆
"Borrowed $400, paid back almost $1,200 over 4 months."
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