Hello, many of you ask the question how does Ace Cash Express work? I'll start with payday loans. You can read more about this Ace Cash Express service reviews . So, if you need quick loans before payday, you can apply for a pre-payday ace cash express loan online or in store. This is a type of loan that is repaid regularly, on schedule or in installments. With each payment, the borrower must repay part of the principal amount of the Ace Cash Express loan, as well as interest on the amount taken.