Ace Cash Express
604 West Fairview Avenue
Montgomery, AL
(334) 261-2041
acecashexpress.com
ACE Cash Express is a national company that does a lot more than just offer payday loans. This company actually goes the extra mile to explain changes in Alabama laws in an easy to understand way. You can apply directly on the website by choosing your state, putting in your e-mail and how much you’d like to borrow. You are then contacted by a representative to discuss your options.
ACE Cash Express works in your area and doesn’t require a credit check to qualify for a short-term payday loan. An interesting feature of this site is that they realize some companies out there are just looking to get you a loan so they can suck as much money from you as possible. This company seems to really look to prevent that.
What They Offer
ACE Cash Express is unique in that they not only offer payday loans but they offer advice on credit counseling, debt consolidation and current trends in Alabama laws regarding these services. You can get a payday loan here easily but this site seems to really want to help get you back on your feet if possible. While this can be a daunting task, an actual friendly site can be a good first step in the right direction. The physical offices are easy to find and you can use them to cash checks, get cash advances and handle lots of other small finance options such as electronic bill paying.
Where They Are Located
ACE Cash Express has offices all over the US with tons in the state of Alabama so no matter where you live in the state, you probably have one very close by. You actually don’t have to visit one in person because their website is extremely thorough and easy to use. You can use their site to find a store closer to you or call them up to get the same information.
Rates/Terms
This company will adhere to Alabama state law but may charge processing fees which are all available to view on the official website or on a sheet in the office.. The maximum you can borrow in Alabama is $500 and the finance charge per $100 borrowed is $17.50. That means if you borrow the maximum of $500 you will pay back the $500 plus $87.50 in finance charges. Keep that in mind as you don’t want to borrow more than you’ll make on your next payday.
In Alabama you are allowed between 10 and 31 days to pay back whatever you borrow. If you are paid once a month, it will probably be a 30 day loan but if you are paid bi-monthly it will probably be a 14-16 day loan. If you are unable to pay your loan back in time, you need to contact your lender as soon as possible to set up alternative arrangements.
Additional Information
The inclusion of Alabama employment trends and statistics on their official site is very nice. It really shows the state of your local economy so you know you’re not alone when it comes to financial hardships. By providing resources to credit counseling services, this site goes the extra mile to assist you in formulating a plan to try to manage your budget better.
