Myhr Ace Cash Express (2025)

FAQs

Does ACE Cash Express do a hard credit pull? ›

At ACE Cash Express, we may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO Score.

A social security number is required as part of the application process. We will also request an email address, proof of steady source of recurring income (such as employment, disability, retirement, self-employment, or another income source) and proof of banking information to complete the application.

Ace Cash Express is the nation's largest check-cashing chain. The company also provides related financial services, including wire transfers, money orders, bill payment services and small consumer loans. Ace has a network of 802 company-owned stores and 124 franchised stores in 28 states and the District of Columbia.

Scammers send out maliciously deceiving debt collection communications like phone calls, emails, or texts falsely claiming to represent lenders like ACE Cash Express.

Each ACE customer may have one loan open at a time – whether it's a payday loan or an installment loan.

If payment is not received within 10 days, your order will be cancelled.

If approved, have your loan proceeds instantly delivered to your debit card if eligible,³ or direct deposited to your bank account by the next business day, or depending on your state and if eligible, pick up cash at a store near you!

ACE's Check Cashing Process

Bring your check and valid, government-issued ID to an ACE store. One of our associates will scan your check to start the approval process. No credit check required. Get cash in hand.

Card issuers sometimes ask you to verify your income, which you may be able to do by submitting copies of income-related documents, such as a tax return or pay stub. Alternatively, you may be able to give the card issuer permission to contact the IRS to verify your income.

Your Money, Your Way

That's why we built the ACE Elite Card – a prepaid debit card that gives you control over the money in your account. Banking services provided by Pathward, N.A., Member FDIC.

Who owns Ace Cash? ›

Populus Financial Group - JLL Partners. Populus Financial Group provides financial services through its family of brands including ACE Cash Express®, ACE Elite™ Visa® Prepaid Debit Card, ACE Flare™ Account by MetaBank® and Porte™.

ACE has approximately 979 stores in 22 states and the District of Columbia. Since 2006, ACE has been owned by JLL Partners, a private equity firm.

The CFPB found that ACE used illegal debt collection tactics – including harassment and false threats of lawsuits or criminal prosecution – to pressure overdue borrowers into taking out additional loans they could not afford.

ACE Cash Express has been a financial services provider since 1968. There are ACE locations in 22 states and the District of Columbia. ACE is an alternative way to manage your money for those who don't want a traditional bank account.

If you are a store customer, you may be given the option to receive text messages from ACE Cash Express when you apply for a loan at an ACE Cash Express location. If you opt-in to ACE Mobile Alerts in the store, we will send you a text message to confirm your opt-in for transactional messages.

Each time you apply for a new credit card, the issuer will perform a hard inquiry. Hard inquiries can lower your score by a few points.

A hard credit inquiry could lower your credit score by as much as 10 points, though in many cases, the damage probably won't be that significant. As FICO explains, “For most people, one additional credit inquiry will take less than five points off their FICO Scores.”

When a lender or company requests to review your credit reports after you've applied for credit, it results in a hard inquiry. Hard inquiries usually impact credit scores. Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry.