Payday Loan Reviews

This is what our customers are saying about us...

Payday loans are one of ACE Cash Express’s options for personal loans. See what our current and past customers have to say about their experience with payday loans at ACE Cash Express through Trustpilot-verified reviews. If you have any questions for our team, contact our customer service team or visit an ACE Cash Express location near you.

Keeping it simple

“The loan made a simple matter remain simple . An unexpected situation came up a few days before payday that wasn't a big issue so long as I dealt with it immediately. The short term loan allowed me to take care of the problem while it was still small; thanks for the help.”

Steven P.- June 8, 2017

Source: Trustpilot

I've never had any issues with ACE

“I've never had any issues with ACE. They come in very handy when needed and the payday loan process is very fast and smooth.”

Stephanie R.- June 7, 2017

Source: Trustpilot

Helpful every time I called

“Helpful every time I called. The turnaround for receiving the loan is quick. Will use again if ever need to in the future.”

Latoya C.- June 2, 2017

Source: Trustpilot

Great company to do business with.

“Great company to do business with. They keep you informed every step of the way. Quick and easy loans with no hassle.”

Sandra P.- May 4, 2017

Source: Trustpilot

Great online services

“Great online services! Very user friendly.”

Charles R.- April 20, 2017

Source: Trustpilot

I enjoy the online privacy of applying …

“I enjoy the online privacy of applying for a loan... It's fast and painless”

Lekisie M.- April 6, 2017

Source: Trustpilot

I was having issues applying for a loan …

“I was having issues applying for a loan online. I made one call and got the matter taken care of. The live representatives are there to help ease the process and make it a great experience. ”

Sandra M.- April 6, 2017

Source: Trustpilot

Easy, Accurate and FAST

“ACE helped me through a tough time when I had medical co-pays within 2 weeks. Professional and caring. Will use again should I be in need. ”

Katherine C.- March 12, 2017

Source: Trustpilot

Fantastic- easy process

“The process is so easy, very smooth transaction each time I'm short on money. I love ace cash express.”

Shanta P.- March 9, 2017

Source: Trustpilot

There when I need them

“I keep my finances squared away. But life has little emergencies where I just need a little in flux of cash to keep from borrowing from my retirement fund, Ace is there. It's quick and efficient. Thanks Ace Cash for being there when I need you.”

Donnie H.- March 7, 2017

Source: Trustpilot

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Terms, Conditions and Privacy Policy

License and Rates

ACE Elite Plans	ACE Elite Pay-As-You-Go Plan	ACE Elite FeeAdvantage Plan (Monthly)	ACE Elite with Direct Deposit FeeAdvantage Plan⁴ (Monthly)
Cost of Fee Plan	N/A	$9.95	$5.00
Signature Purchase Transactions	$1.00 each	included	included
PIN Purchase Transactions¹	$2.00 each	included	included
Average Cost Per Month	$15.00³	$9.95	$5.00
ATM Cash Withdrawals (Domestic)²	$2.50 each	$2.50 each	$2.50 each

Goodbye to Hidden Fees Fees Related to the Service: Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion.	ACE Elite™ Pay-As-You-Go Plan	ACE Elite™ FeeAdvantage™ Plan (Monthly)	ACE Elite™ with Direct Deposit FeeAdvantage™ Plan (Monthly)
Card Purchase Fee	$0	$0	$0
Plan Fee	N/A	$9.95	$5.00* *To be eligible for this optional fee plan, have $500 deposited during one calendar month.
Signature Purchase Transaction Fee	$1.00 each	included	included
PIN Purchase Transaction Fee	$2.00 each	included	included
Balance Inquiry Fee: via toll-free number (automated service) via toll-free number (customer service agent) at ATM online via Anytime Alerts™^**	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free	$0.50 each $0.50 each $0.50 each Free Free
Bill Payment Fee	In addition to the one or more no-cost bill payment methods made available through third-party service providers, a full range of options and applicable fees appear at the Site.
Stop Payment Fee for Preauthorized Payment	$10.00 each
Domestic ATM Cash Withdrawal	$2.50 per withdrawal, plus ATM owner fees, if any
International ATM Cash Withdrawal	$4.95 per withdrawal, plus ATM owner fees, if any
ATM Transaction Decline Fee	$1.00 each

Direct Deposit	Free
Add cash, checks or withdraw cash at a NetSpend Reload Network location	Convenience fee determined by location
Bank Transfer	Free; transfer fees from the originating bank may apply
Instant Bank Transfer	$5.95 each (deducted from the transferor's debit card account
Account-to-Account Transfer via text message or online	Free; standard text message rates may apply
Account-to-Account Transfer via toll-free number (automated service)	$1.00 each
Account-to-Account Transfer via toll-free number (Customer Service Agent)	$4.95 each

Check or Additional Statement Mailing Fee	$5.95 each
Additional Card Fee	$3.95 each (standard Card)
Additional Card Fee		$4.95 each (custom Card)
Lost, stolen or damaged Card Replacement Fee	$3.95 each (standard Card)
Lost, stolen or damaged Card Replacement Fee		$4.95 each (custom Card)
Account Maintenance Fee	$5.95 per month (fee applies if Card Account has not had any activity, that is, no purchases; no cash withdrawals; no load transactions; or no balance inquiry fee for 90 days)