ACE Cash Express
Payday loans · also installment loans, check cashing, money transfer, money orders, tax preparation · 5070 Doniphan Dr C, Roberts
★ 4.9 · 444 ratingsHours listed
Open late
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 60% of El Paso stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
444 ratings. Known for explaining the terms clearly. Common complaint: the check-cashing fee.
of its written reviews are 1–2★, a lower share than at 60% of El Paso stores. 3rd of 5 ACE Cash Express branches here.
In fees on a $1,000 loan, at the Texas average. Texas sets no cap on these fees.
Income from benefits or retirement counts. An ITIN works instead of an SSN. Cash a check without a bank account. Money can go to your debit card.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in El Paso and every other ACE Cash Express branch.
Rating
4.9Higher than 54% of El Paso loan stores. City average is 4.5.
Lowest rated in El PasoHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 2% in 2026
What borrowers say
- Ask for Marisela or Nancy
- Known for explaining the terms clearly
- Common complaint: the check-cashing fee
Counted in 382 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Payday lenders in the Texas report an average fee of $26.60 per $100 for 14 days (OCCC, Q2 2026) — about $57.00 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,570
$1,000 you borrowed$570 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $570 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Who they lend to
- Income from benefits or retirement counts
- An ITIN works instead of an SSN
- Cash a check without a bank account
- Money can go to your debit card
At the store
Walk in, no appointment · Wheelchair access · Apply online first
From acecashexpress.com, checked September 2026
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
- 2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
- 3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.
Payday loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $1,643.
A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
Been to ACE Cash Express?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Atienden muy bien servicio fácil sencillo y rápido 👍🏾”
- “Adriana and Marisela help me a lot and explain everything in details.”
- “Blanca was very helpful and very respectful”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also installment loans, check cashing, money transfer, money orders, tax preparation.
Part of a chain: ACE Cash Express has 82 locations across the Texas cities we cover — Houston (36), San Antonio (12), Fort Worth (7), Laredo (5), El Paso (5), Corpus Christi (5), Dallas (4), McAllen (3), Austin (3), Brownsville (2). See the ACE Cash Express brand page.