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Part of the ACE Cash Express chain · locations
ACE Cash Express in Plano, TX
Plano residents can visit ACE Cash Express at 1500 N Central Expy for fast payday and title loans with same-day approval.
Data compiled from public sources · Rating from CreditDoc methodology
ACE Cash Express Review
The ACE Cash Express location at 1500 N Central Expy in Plano, TX operates as a standalone storefront offering quick access to payday and title loans. This Plano branch is open Monday through Friday from 9 AM to 7 PM and Saturday from 9 AM to 6 PM, closed Sundays. The welcoming storefront makes it easy to walk in and understand your options.
ACE Cash Express in Plano specializes in payday loans, title loans, and cash advances designed for quick processing and transparent terms. Contact the store at 972-423-7889 to discuss your needs, ask about eligibility requirements, and learn repayment options. Staff can walk you through the application during your visit and explain all fees upfront.
Whether you need funds before your next paycheck or quick cash for an emergency, this Plano location serves as a convenient option for North Texas residents. Bring a valid ID, proof of income, and an active bank account to move through the process quickly. ACE focuses on same-day funding for qualified applicants who meet basic eligibility criteria.
Services & Features
Bill payments
Business services
Check cashing
Credit cards
Customer service support
In-store cash advances
Installment loans
Money transfers
Online loan applications
Store locator services
Tax services
Title loans
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple financial services under one brand including installment loans, title loans, and check cashing for convenience
- Same-day or next-day funding available for qualifying loans based on website messaging
- Physical store locations for in-person application and service
- Online loan application option available for remote application
- Customer service available via phone and email for general and internet operation inquiries
- Compliance with state-specific privacy regulations (California Notice at Collection provided)
- Business services and money transfer options available in addition to personal loans
Cons
- Limited website functionality with 404 errors on location and service pages prevents verification of current terms and rates
- Product availability varies significantly by state, limiting accessibility
- As an alternative lender, typical high interest rates and fees associated with small-dollar loans likely apply
- Small loan amounts ($100-$1K range) may not solve larger financial problems
- Physical store requirement for some services limits accessibility for remote or rural customers
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.5
Transparency 2.3
Ease of Use 3.9
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Frequently Asked Questions
Is ACE Cash Express legitimate?
Yes. ACE Cash Express is a registered company, headquartered in 1500 N Central Expy, Plano, TX 75074.
Quick Facts
- Headquarters
- 1500 N Central Expy, Plano, TX 75074
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on ACE Cash Express
ACE Cash Express is best for consumers in emergency financial situations who need small-dollar loans ($100-$1K) with quick turnaround and have access to a physical location. The primary caveat is that specific rates, fees, and terms could not be verified from available website content, and high costs typical of alternative lenders should be expected; consumers should compare rates across providers and only use this service for true emergencies.
Best For
- Consumers needing immediate emergency cash ($100-$1K) with same-day funding
- Car owners with existing vehicle equity seeking title loans
- Consumers without traditional bank accounts needing check cashing or money transfer services
- Individuals in states where ACE operates and products are available
Updated 2026-04-29
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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