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Is Ace Cash Express Legit?

Sarah Edwards | February 06, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Ace Cash Express is a legitimate financial service that offers short-term loan options that come with high interested rates. If you're struggling to resolve a debt with Ace Cash Express, SoloSuit can help.

Summary: How much does Ace Cash Express charge to cash a check? Like other short-term loan providers, Ace Cash Express offers financial solutions to those who don’t mind paying high prices. But if you do get in trouble, SoloSuit can help you resolve your debt for less.

Sometimes, you just need cash quickly, and you might be tempted to use a company like Ace Cash Express for check cashing services or a payday loan. But how much does Ace Cash Express charge to cash a check, and is the company even legitimate?

Here is what you need to know about Ace Cash Express.

What is Ace Cash Express?

Ace Cash Express is a financial services provider offering:

  • Payday loans.
  • Installment loans.
  • Title loans.
  • Check cashing.
  • Bill payment.
  • Wire transfer.
  • Money orders.
  • Prepaid debit cards.

Many of these services come at a steep price. For example, a check cashing service will cash a check without requiring a bank account — though you’ll pay a service fee.

Payday loans offer short-term financing — but at a high interest rate. Title loans can also provide you with a loan, but you’ll use your car as collateral, which means you’ll lose your car if you don’t repay the loan.

How much does Ace Cash Express charge to cash a check?

When you cash a check at Ace Cash Express, the company will charge a percentage of the total check amount. The exact amount varies by state, and Ace Cash Express recommends finding a location near you to pin down the exact fees.

Generally, you’ll pay between 2% to 6% when cashing a personal check, and 2% for government checks. However, for certain types of checks, such as money orders, you can pay as much as 10%. There is also a minimum fee of $5, regardless of the type of check or amount.

Ace Cash Express uses a multi-step check-cashing process

How does Ace Cash Express verify personal checks? The company uses the following multi-step process:

  • You must show a valid government-issued ID to cash a check.
  • You must sign the check in front of an Ace employee, not beforehand.
  • Your signature will be checked against the signature on your ID.
  • Your check will be scanned to start the verification process.

Ace Cash Express may use third-party verification systems to complete the electronic verification process, and may also contact the check issuer directly to confirm the authenticity of the check.

How do I manage my Ace Cash Express account?

Existing customers can use the Ace Cash Express login page to manage their accounts. Note that there is a separate login for each of the company’s primary financial services. You can reach Ace Cash Express customer service by visiting the page for each store, or by calling 866-ACE-CASH.

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How do I find an Ace Cash Express near me?

For the most accurate pricing, your best option is to browse the options at an Ace Cash Express in your area. The company website offers a tool that helps you find locations based on your state, and you can choose from 850 different locations nationwide.

If you need to get in touch with Ace Cash Express customer service, your best option is to contact the store nearest you.

Is Ace Cash Express legit?

Yes, Ace Cash Express is a legitimate business, having been in operation since 1968. Should you trust Ace Cash Express? Well, the company has had its share of negative reviews and even legal action taken against it for illegal debt collection practices and for pushing customers further into a cycle of debt.

For example, Ace Cash Express currently has hundreds of customer complaints registered with the Better Business Bureau (BBB) as of February 2024. Many complaints allege that Ace Cash Express used aggressive tactics to pursue payment on a past debt.

This is consistent with the 310 customer complaints listed on the Consumer Financial Protection Board (CFPB) website. In fact, the company has faced legal action from the CFPB for illegal debt collection tactics, and in 2014, Ace Cash Express was forced to pay $5 million in damages.

It’s also worth noting that military personnel are not able to use Ace Cash Express because the company’s APRs exceed the 36% limit set by the Military Lending Act.

Here’s how to resolve debt with Ace Cash Express

If you already have a loan from Ace Cash Express, you might feel that your short-term loan may have solved your immediate financial problem only to create a whole new one.

You might have trouble solving that problem due to the company’s high interest rates, and you may be dealing with unwanted phone calls from numbers like (888) 753-2384 about your debt.

Thankfully, there’s a better way to resolve debt without worrying about a debt collection lawsuit or other legal trouble. Most companies would prefer to settle your debt for less than what you owe so that they can get the money right away — so why not negotiate for a lower settlement amount?

SoloSettle empowers you to negotiate with Ace Cash Express and find a mutually agreeable settlement figure. Best of all, when using SoloSettle, you won’t have to interact directly with your creditor, nor will you pay until you’ve settled the debt.

Settle with SoloSettle

Make an Offer

Let’s look at an example to see how this process might work:

Example: Stanley used Ace Cash Express to cash a check, then secured a payday loan to cover some expenses until his next paycheck. When Stanley got into a car accident and suffered serious injuries, his finances also took a hit. He hadn’t figured the interest rates would be so unmanageable, and he soon found himself drowning in debt all over again, with a pending lawsuit to add insult to injury. So he turned to SoloSuit. By using SoloSettle, he was able to negotiate a lower amount and settle his debt for less than what he owed.


Watch the video below to learn more about how to settle a debt with Ace Cash Express:

Is Ace Cash Express worth it?

If you understand Ace Cash Express payment terms, the company may be a potential emergency option. But if you do find yourself getting in debt, SoloSuit can help. Let SoloSuit help you resolve your problem and move past the high interest rates of payday loan providers for good.

Start using SoloSettle today to resolve your debt today!

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