Advance America vs ACE Cash Express

Updated March 2026

Quick Comparison

Advance America

direct-lender

Rating: 8.4/10
APR Range: 350–700%
Loan Amount: $100–$2,000
Approval Speed: 1hours

Advance America →

ACE Cash Express

direct-lender

Rating: 8.1/10
APR Range: 375–650%
Loan Amount: $100–$1,500
Approval Speed: 2hours

ACE Cash Express →

Detailed Comparison

	Advance America	ACE Cash Express
Rating	8.4/10	8.1/10
APR Range	350–700%	375–650%
Loan Amount	$100–$2,000	$100–$1,500
Loan Term	7–30 days	14–30 days
Approval Speed	1 hours	2 hours
Approval Rate	39%	37%
Type	direct-lender	direct-lender
First-time borrower	Yes	Yes
Income proof required	Yes	No
Loan types	payday	payday

Which Should You Choose?

The best choice depends on your specific needs:

Choose Advance America

✓ Rating: 8.4/10
✓ Approval Speed: 1h
✓ Max: $2,000

Advance America →

Choose ACE Cash Express

✓ APR Range: 375–650%

ACE Cash Express →

Frequently Asked Questions

Which is better, Advance America or ACE Cash Express?

Advance America has a 8.4 rating while ACE Cash Express has 8.1. The best choice depends on your loan amount needs, term preferences, and eligibility.

What is the APR range for Advance America vs ACE Cash Express?

Advance America offers APR from 350% to 700%, while ACE Cash Express offers 375% to 650%.

Can first-time borrowers use Advance America or ACE Cash Express?

Advance America supports first-time borrowers. ACE Cash Express supports first-time borrowers.

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This comparison is for informational purposes only. Actual loan terms depend on your application and the lender.