I have used this service twice now...Just paid off my first loan and took out another 3 days later...Doing loans through PayDay Loan companies can be a bit pricy, but for those of us who have no other choice I give them 2 Thumbs 'WAY UP"!!!
I was happy with the application process and how quickly I got the money. But after that, it was all downhill.
As it got closer and closer to my due date, I started getting calls. As many as 6 a day. At one point, they literally called 2 minutes apart. When they left messages, they didn't identify themselves, just leaving my name and a phone number for me to return their call. I had no clue where it was. When I did pick up, I asked them to stop calling me, repeatedly. After 2 days of asking them to stop calling me, and assuring them I didn't want to extend my loan, I was told that they had to call me every 4 hours until it was due. I very firmly stated that I did not want to be called again, and that they were to mark that on my account. I also stated that I did not want to extend my loan, and if I had wanted to, I would have contacted them. I went on to say that I would not be ever using them again.
So, positive on quickness of the availability of the cash, but big negative on the service. Annoyance doesn't make me want to be a return customer.
I was trying to get an extension on my payment plan. I had never been late or had any returned checks. The supervisor that I spoke with was very rude and she hung up on me. I called the corporate office and still got no where, They seemed as if they could not tell who had been reviewing my account. I think they are too expensive and I will never borrow from them again, nor will I recommend Ace Cash Express to anyone. Horrible experience.
The people in the store are wonderful at Willow/Gettysburg. The guy saw that on-line might be better for me and I was reluctant but I LOVE it. I like the fact that I can pick-up in store because obviously I might be in the red there which is why I am getting a loan in the first place. I agree with the others in that the Customer Service could use a little improvement. Thank you.
Pros: Online application with in store pick up.
Cons: Ill trained phone reps, always have to call in when applying for a loan, and lowered my limit without reason.
I got stuck in a payday loan cycle with Ace. They were very good at the beginning and I appreciated the service. Things got bad when I noticed whenever I needed to renew the loan the old loan hadn't been cleared from their system. The funds usually had cleared my bank account days ago, but not their system. When I ask why nobody knows. I had finally started getting approved for $500. I never missed or had a returned payment and then one day they lowered my amount to $475. Again, no one knew why or could help. Then when I asked to make a complaint, my concerns were brushed off. Then on my last experience on September 22, I had to call in 2 times to get the loan to go through. Then I was told I was okay to go pick it up in the store. I got off of work and waited in line in the store for 15 minutes just to get to the window and be told the loan didn't process. I got back outside to my car and call again and the CSR said wait 15 minutes and then try to pick up again. Then I had to go back inside and wait another 15 minutes because only one person was working to get the loan. The whole process took over an hour plus three phone calls. Each call the rep was more clueless then the last and it was like starting the process all over again. I plan to break this payday cycle soon and god forbid I need a payday loan again. I would not go back to Ace or recommend.
The online application was easy to fill out. The customer service was excellent. The only problem I had was the constant phone calls reminding me when the payment was due, once is enough or even 2 days before the payment is due would be suffice. Also, I tried to contact someone after hours, but was unable to reach someone. Other than that, I would use them again & recommend them to a friend.
The online application was easy...approval was easy. I was able to ick up my money in a store. GREAT!! Now comes time to repay...I was not able to make a payment in store. It had to come from my checking account. Also, I was told I would get a "courtesy" call reminding me of my payment a couple of days before it was due. Ace called me everyday, all day long beginning 7 days BEFORE my loan was even due. ACE also sent me emails every single day "reminding" me my due date was soon. It's an entire week away and you send me these reminders EVERY SINGLE DAY!! That is harrassment if you asked me. When I answer, the CSR says oh this is just a reminder. i say okay, please stop calling me everyday...does that work...NO!!! If you must utilize ACE's services, go in store. Do NOT go the online route.
I need some extra money because my sons were starting school. I applied online and was told I was approved for $300. I didn't need much so I was happy that it approved me. I went through the whole process of signing all the papers online and then it told me that I needed to call a rep to verify my information. I called the number they gave me and found out that my whole loan was cancelled because I did not qualify. There was no verifying needed. All the rep could say was that I should have read the requirements before applying, which I never seen a link to said requirements. Apparently if you receive a paper check, you have to prove that you deposit the whole check on your payday, which I do not. I have bills to pay. They need to fix their website. It should not say you are approved and then when you call they tell you are not. The first day that I started to apply, I wasn't sure if a payday loan was what I wanted to do so I never finished signing the papers. They kept sending me emails about finishing my application. I guess I dodged a bullet because they seem like a bad company and their rates are extremely high. I would not recommend them to anyone!!
Clearly anyone who's going through the process of getting a loan from a company such as ACE already realizes, in their gut, that it's a bad thing! That they're providing too much personal information to an unverifiable source & upon approval, would be paying a sickening outrageous amount of interest . . but hey life's all about choices & if you're in this predicament, you clearly didn't make some good ones (me included). But let's move past that on to the specifics of the actual loan approval process . . I applied for a relatively new product offered by ACE in the state of CA, an Installment Loan; which btw, can only be handled online & not thru any of their numerous brick & mortar locations. After spending a significant number of hours researching the company, talking to the reps, getting clarification on the specifics of the application process & how it pertained to my own personal criteria of being newly self employed . . I reluctantly decided to fill out their online loan application, because I too was in a desperate financial bind & needed money for medical bills. After being cautiously elated about my initial online approval for the $2500 loan . . as per their online instructions, I was waiting to receive a call from a rep, either to let me know whether any further info would be needed or when I could expect my account to be funded. Well . . that never happened! After successive calls, that I made, & time wasted, I was told that my self employment needed to be verified (mentioned no where on the site & employments not even a requirement) & the regular deposits into my account that more than met their minimum online criteria weren't enough . . all because the very last bank statement that I provided via a PDF file, was not current by a couple of days?? And of course, they dont take any statements prior to the last month & won't accept any other forms of verifiable account deposits, that would show a clear history of income. Ridiculous excuses to offer a good faith customer that just spent hours jumping thru hoops just to qualify for an essentially brutal & oversized payday loan!!! Get your act together ACE, by first honoring your own terms & your industries 'fairness in lending standards' . . particularly if you're going to rake over coals the desperate & disadvantaged members of society, who are just trying to get a fresh start. I would not recommend doing business with this company! And the only reason that I didn't rate ACE lower was because they had a courteous & professional staff.
Company service is very good and accommodating.
I have called on ace cash express many times over the years, they have always been great. I have never had a problem canceling a loan if I didn't need it. Understand what you are getting into and understand the terms. They are very friendly and professional. I can't understand anyone who would give a bad rating to a company that takes a risk and helps out those who may not have any other option. They have saved me COUNTLESS. Overdraft fees for small transactions on my debit card, as many as 15 at a time, that's $300 in fees alone. Thanks ace, I always tell the service rep that I hope to not need them again, thank goodness they are there when I do,
I requested an $800 loan on 7/5, and was to pay the financed amount plus interest by 8/2. I wasn't too sure whether I would definitely need the loan or not, so before confirming and "signing" off on the loan, I asked the csr, who assisted me over the phone, how long I had to cancel the contract and pay off the loan sans interest charges. She told me that I had 7 business days to do so, which worked perfect, so I agreed on the loan. Three days later, I decided that I did not need the loan after all, so I called th e 1-800 number and kept being directed to a full voicemail, even though I was calling well within the business hours. I called back on day seven and was advised by a supervisor that I was misinformed;I only had three days to cancel the loan, not seven. She said she would review the call, to make sure I was not lying (REALLY?!?!) and that she would call me back in thirty minutes. Three days later, after waiting for a call back, I had to take time out of my day to call back, spend another hour on the phone with someone who basically told me I was S.O.L., and that I would have to pay almost $1,000 and that the new employee who misinformed me would be spoken to. I did not find that resolution acceptable. I argued and explained that their lack of proper training was not my fault, which I suppose she understood, and she agreed to deduct the $800 from my account. I would not necessarily recommend this company, but I wouldn't consider them terrible.
Awful customer device. They deducted the money out of my account without my permission whenever I wanted to pay in store in cash. I was not late on the payment and was no given the option. I was not prewarnwd and it was not mandatory in the negotiations. The corporate associates are just as bad if not 10 times worse than the in store staff. Don't waste your time or money. Take your business to ezmoney loan services. I have only had positive experiences. I have had 4 loans through ace cash and 3 of them I have had problems with that were out of my hands. Until I discovered es loan I was so disgusted the axe cash was the only available option I had. Posse do yourself a favor and look into your options before choosing acecash express.
Well I have used Ace off and on for a little bit of time now and it works like a charm. I have so far not had any bad issues or misunderstandings with Ace. I haven't had to deal with phone calls from them because I gave them a number to a cell that I hardly use ever so no annoying calls. In fact I think for the three loans that I have gotten from them I have only had to talk to them three times. That's it. I pay on time and refinance when I need to. If you stick with the terms of the deal then you should be golden. If you try to alter them well read some of the other reviews you'll see. As for the cost I kinda think of it this way if you need the money really bad then it's worth it. Is it expensive yes. Is a bank loan cheaper most of the time yes. If you could get a loan from the bank then you wouldn't be coming to Ace so no need to complain about the cost. Hope this helps ya figure out if this type of loan is for you.
ACE has always been helpful in the past, and I never had any problems until now. I need to refinance by noon tomorrow. I have tried to do this online as you are supposed to for several days now, however their website is down. How am I supposed to follow through and do my part when their technology is not working? Every time I begin to type in my username or code, the website crashes and kicks me off. Is this a scam so I cannot do my part on time? suspiciously, they are not available by phone nor can I link to their customer service online either.
Katherine May found this review useful
I have bad credit and have probably applied for every payday loan there is out there. ACE is the only one that would loan me money. I've paid off every loan I've had with them and have had excellent customer service as well as flexible pay off dates. The interest is great compared to a lot of other payday loans out there. I would recommend ACE to anyone who needs cash quick.
I have always used Ace when I needed extra funds, and never had a problem with them. I would pay my loans back on time or refinace when I needed to. Well this last did it for me. I had my loan refinaced to come out of my check next time I got paid, well I came into some extra money and called them to tell them to go ahead a cancel my refinace and just take out what I owed. This was 6/25 I called and the due date was 7/5. Well i woke up the next day and there was $200 taken out of my account by them. I called them to ask why the hell they did that, and the ladies response was, " I see in our notes that you called and asked to have your loan payed off today and for that we wouldn't charge you any fees." 100% not what i asked. When I asked her to put the money back and stick to what my loan agreement sais, She said "We can't do anything once the money is payed off. But you can reloan if you like to to cover this." Are you for real!!??? What a scam. Do not use them, EVER!
Katherine May found this review useful
easy to get loan but they called and emailed me way to many time and i wasn,t even late nor did i extend the loan. one email offering to extend and one reminder would have been sufficient calling me multiple times when the loan was not even due yet was bothering, i would have given them 5 stars were it not for multiple contacts before the loan was due
Yes, it was expensive to take out a payday loan but no more than any other place offering the same service. Very pleasant reps and easy to apply....
Like many in today's economy I had to use a payday loan company; and I have used Ace Cash twice. I have found my experience to be enjoyable with my dealings with them and there fees are competitive with other same type companies and better than others. I would use Ace Cash again in the future if the need arises for a quick fix and would recommend them. I have seen some complaints about fees; it is what it is, and if your credit is not in good enough standing to receive a personal loan from a bank or loan company then this is your best alternative. These type of companies do not have the same requirements as banks and you get what you get if your in need of a quick fix.
I understand that some people need these things...and I was one of them for a brief moment. However, $195 charge for borrowing $900 for less than 14 days is...well...unconscionable. To make matters worse, I tried to pay it off after 3 days (I ended up not needing it afterall)...and they would not waive or even discount this fee. I get it...I agreed to it...blah blah blah. It's still extortion. Now, those who "refinance" and incur even more fees for a 7 to 14 day extension to repay?? My god. That said...Ace is no worse than other payday lenders, and their staff is very friendly (the only reason for 2 stars instead of 1).
It was my 1st time getting a cash loan online, and I found Ace Express to be easy to work with. I would diffently use them again. I was Happy with there service, the only thing they could change is there fee's.. kind of High..
I was pleasantly surprised and pleased with ACE's performance at a very trying time in my life; I've been battling the IRS.for over a year and had a lien on my retirement
check. 5 stars to ACE for their help when I needed!
Ace Cash Express is hassle free and professional. Their rates are par with other big-name companies and you won't be taken advantage of with hidden fees. You also will not receive a bunch of unnecessary spam or phone calls from them.
When I applied they wouldn't let me select the right date I when I got paid. So I called and arranged to pay back on the correct date and not the date they set. Well they didn't listen and took the money anyway. Yeah it's a lifesaver but if they aren't willing to correct something an follow through with that correction they just mess people up even more. I almost didn't make it with them just not listening.
Ace has taken the humiliation out of needing an advance and they provide the best customer service. They have made it so easy that I almost dont think twice about getting an advance. The system works and even the initial "interview" over the phone with your bank is done with dignity. I will NEVER use another company for a paycheck advance.
I had been scouring the Internet for HOURS looking for a payday loan, receiving one rejection after another. I was seriously about to shut the computer down and forget about the whole thing when suddenly I came across Ace's site; I was instantly approved. Even though it was the middle of the night there were professional people at ACE working who spoke to me; ALL the employees were very professional towards me and very friendly. This did not require any faxing on my part of proof of income or having to fax bank statements because they verify everything for you with your bank, etc. My only complaint would be that even though tehy said I wouldf have the money the next day at the time of approval, I didn't get the money for one extra day so it took 2 days instead of one day to get the money. Everything else was a great experience with ACE and I will be back.
I give your company a A+ for your assistance when needed. A fee discount, small visa or eatery card would be good for customers like myself who has been with your company for a while and referred you. Also te installment loans would com in handy for some of us. Other than those few suggestions keep up the good work.
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