ACE Cash Express
Payday loans · also check cashing, money transfer, money orders, tax preparation · 2001 Fannin St, Midtown
★ 4.7 · 291 ratingsHours listed
Open late
Should you go here?
Average reviews, but the loan itself is expensive.
Its share of bad reviews is about average for Houston. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
of its written reviews are 1–2★, a higher share than at 54% of Houston stores. 29th of 36 ACE Cash Express branches here.
In fees on a $1,000 loan, at the Houston 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 Houston and every other ACE Cash Express branch.
Rating
4.7Higher than 41% of Houston loan stores. City average is 4.4.
Lowest rated in HoustonHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 0% in 2026
What borrowers say
- Ask for Dida or Gwen
- Known for treating people with respect
Counted in 193 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 Houston area report an average fee of $17.46 per $100 for 17 days (OCCC, Q2 2026) — about $30.81 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
$1,308
$1,000 you borrowed$308 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $308 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 $857.
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
- “Gwen is so friendly and provides top notch service I was in and out with great service”
- “Kaila was very respectful and helpful I enjoy her costumer service.”
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.