ACE Cash Express

Payday loans · also check cashing, money transfer, money orders, bill pay, tax preparation · 630 S 23rd St

★ 5.0 · 702 ratingsHours listed

Open lateSe habla español

Should you go here?

Well reviewed, but the loan itself is expensive.

Borrowers leave fewer bad reviews here than at 85% of McAllen stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Good sign

What borrowers say5.0★

702 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Good sign

Bad reviews0%

of its written reviews are 1–2★, a lower share than at 85% of McAllen stores. 1st of 3 ACE Cash Express branches here.

How it compares ↓

Watch out

What it costs$433 / month

In fees on a $1,000 loan, at the McAllen area average. Texas sets no cap on these fees.

Work out your cost ↓

Good sign

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.

Before you go ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $1,231 on $1,000 over 3 months →0.4 mi away · installment loansSecurity Finance — ★ 5.0, few bad reviews →

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 McAllen and every other ACE Cash Express branch.

Rating

5.0Higher than 62% of McAllen loan stores. City average is 4.5.

Lowest rated in McAllenHighest

Bad reviews (1–2★), share of written reviews

This store0%

Average ACE Cash Express branch in McAllen0%

Average McAllen payday loan store1%

Bad reviews by year · 0% in 2026

212223242526

What borrowers say

Ask for Leonel or Bertha
Cashes government checks

Counted in 472 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service19 reviews · 4 per 100
Treats you with respect6 reviews · 1.3 per 100
Explains the terms clearly6 reviews · 1.3 per 100

Work out what you’d repay

Payday lenders in the McAllen area report an average fee of $30.28 per $100 for 21 days (OCCC, Q2 2026) — about $43.26 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

$1,433

$1,000 you borrowed$433 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $433 each month and doesn’t reduce what you owe.

Before you go

What to take, and what to ask before you sign.

Bring these

IDProof of incomeBank statementsSSN or ITIN

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 · Se habla español

Loans in Texas Installment loans $100–$3,500 (not in Austin or Dallas stores); title loans up to $5,000Customer service (877) 223-2274

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.

A cheaper route

Need $1,000 for 3 months? A credit-union loan could save you about $1,231.

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.

Credit-union PAL$1,067

This payday loan, renewed twice$2,298

Total repaid on $1,000 over 3 months, at the McAllen area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

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 review

In borrowers’ own words

“Bertha Muy atenta y amable me ayudó y fue muy rápida 10/10”
“Great Customer Service, Very Helpful & Respectful”
“Bertha is very professional in explaining every details about the loans and it does the loans base on rules from the company”

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, bill pay, 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.

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