About ACE Cash Express

Our products vary by state.

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Why ACE Cash Express?

We make it easy to obtain cash when you need it most. ACE Cash Express, Inc. is a leading financial services provider, specializing in short-term consumer loans, bill pay, and prepaid debit card services, as well as the largest owner operator of check cashing stores in the United States. In business since 1968, ACE Cash Express focuses on serving consumers seeking alternatives to traditional banking relationships by gaining convenient, immediate access to financial services. We have served over 38 million customers since 1968.

What is a Credit Services Organization (CSO) and Credit Access Business (CAB)?

Depending on the state, a Credit Services Organization (CSO) is a company that earns compensation by, among other things, helping consumers obtain loans from a lender. A Credit Access Business (CAB) is a type of CSO that helps people obtain payday loans and title loans from a lender. CSOs are not lenders and do not make loans. ACE Credit Access LLC is a CSO and a CAB that helps consumers obtain loans from an independent third-party lender. FSH Credit Services LLC is a CSO that helps consumers obtain loans from an independent third-party lender. List of states where ACE Cash Express is the lender: Arizona
California*
Colorado
Delaware
Florida
Georgia
Idaho
Indiana
Kansas
Louisiana
Minnesota†
Missouri
New Mexico
Oklahoma
Oregon
South Carolina
Tennessee
Virginia
*Installment Loans will be arranged or made pursuant to Department of Business Oversight California Financing Law. †Loans in Minnesota made by ACE Minnesota Corp. List of states where ACE Credit Access LLC is a CSO and a CAB: Texas List of states where FSH Credit Services LLC is a CSO: Ohio

Traditional banking is not the only way.

If you’re someone who does not use traditional banking services on a regular basis, you are considered part of the 'under banked' population. Is that a bad thing? Absolutely not. Traditional banking services aren’t the only way to manage your finances.

ACE Cash Express is built on the principle that consumers should have a choice in how they handle their financial service needs. You may choose to avoid banks, credit unions, and other similar financial institutions entirely or you might choose to use a mixture of traditional and alternative financial services. Either way, it's up to you.

Our goal is to offer you the types of services you want access to without having to go to a bank or credit union. You can choose ACE Cash Express for:

Whatever you decide your relationship with ACE should be, you can have confidence in us based on our 50+ years of serving customers across the country. We believe our history of serving more than 38 million customers is proof positive that alternative financial services can work for you.

We invite you to learn more about ACE Cash Express by exploring our website. Use the search tool at the top of this page to find an Ace store near you. Whether you need a short-term loan or a place to pay your monthly bills, ACE is always on hand to serve you. It’s what we’ve been doing for more than 50 years.

Interested in selling your financial services business?

ACE is always looking for opportunities to expand our business where it makes sense. If you own a check cashing or financial services business that you are interested in selling, we’d like to hear from you.

Contact Spencer Williams at (972) 753-2351 or acquisitions@acecashexpress.com.

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