ACE Cash Express
Payday loans · also check cashing, money transfer, money orders, tax preparation · 4201 E Berry St Ste 22, Stop 6/Poly Oversight
★ 5.0 · 730 ratingsHours listed
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 96% of Fort Worth stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
730 ratings. Nothing comes up often enough in its reviews to call out.
of its written reviews are 1–2★, a lower share than at 96% of Fort Worth stores. 1st of 7 ACE Cash Express branches here.
In fees on a $1,000 loan, at the Fort Worth area 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 Fort Worth and every other ACE Cash Express branch.
Rating
5.0Higher than 87% of Fort Worth loan stores. City average is 4.5.
Lowest rated in Fort WorthHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 0% in 2026
What borrowers say
- Ask for Tina
Counted in 595 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Payday lenders in the Fort Worth area report an average fee of $29.04 per $100 for 18 days (OCCC, Q2 2026) — about $48.40 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
$1,484
$1,000 you borrowed$484 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $484 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
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?
Ask for it in writing before you sign.
- 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 $1,385.
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
- “Answered every question I had and got me in and out in no time”
- “And the staff ( Maria) is very professional and Maria explains everything so that I know what I have to do she is always nice and smiles when she greets you walking in”
- “Tina great mannered and respectful lady and very fast getting you in and out.”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also 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.