ACE Cash Express offers check cashing, payday loans, title loans, and installment loans with same-day funding at physical locations across Texas.
Editorially reviewed by Harvey Brooks
ACE Cash Express is an established consumer finance company operating multiple locations throughout Texas, including the New Braunfels area. The company has positioned itself as a one-stop shop for short-term lending and financial services, with both in-store and online options available to customers. ACE operates physical storefronts in New Braunfels, Seguin, and Universal City, with extended hours (typically 9 AM - 8 PM) to serve working-class consumers. The company has been referenced on CreditDoc as a check-cashing provider but has significantly expanded its service offerings over time.
ACE's core product lineup includes payday loans ($100-$2,000 online), installment loans ($100-$2,500 online or in-store), and title loans ($100-$5,000 in-store). Beyond lending, they provide check cashing, bill payment services, money transfers, money orders, ATM access, and tax services. The company also offers branded card products (ACE Elite prepaid debit card) and banking partnerships through Pathward, N.A., including the Porte mobile banking app and Flare Account online banking. This diversified service menu allows them to capture customers seeking multiple financial services beyond traditional short-term lending.
ACE differentiates itself through physical store presence and same-day lending availability, which appeals to unbanked or underbanked consumers without digital access or credit history. Their multiple locations in the New Braunfels area reduce travel friction for customers. The company offers flexible repayment terms through installment loans rather than requiring full repayment on the next payday, addressing a key pain point with traditional payday lending. Integration of banking services (Porte, Flare Account) also positions them beyond pure lending into financial inclusion.
However, ACE remains fundamentally a high-cost lending operation. Payday and title loans are short-term products with implied high APRs, typical of the industry. The company does not disclose specific APR ranges on their website, making cost comparison difficult for consumers. While installment loans offer longer terms, they are still classified as small-dollar, short-term products with costs that likely exceed traditional lending. The reliance on physical store visits creates barriers for some consumers, despite online options for certain products. Consumers should understand these are credit products designed for emergency situations, not long-term financial solutions.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Ace Checks Cashed is a registered company headquartered in New Braunfels, TX 78130. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
ACE Cash Express is best for working-class consumers in the New Braunfels area who need emergency cash with same-day funding and lack access to traditional bank loans or credit. The primary caveat is that all loan products carry high costs typical of short-term lending and should only be used for genuine emergencies; the company does not disclose APR rates on its website, requiring customers to inquire in-store or online for actual costs before borrowing.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-04-03
ACE Cash Express offers check cashing, money transfers, bill payments, and multiple loan products including installment and title loans at physical store locations.
Best for: Consumers needing check cashing or money transfer services who prefer in-person transactions, Individuals seeking tax preparation services combined with other financial services at one location
EZPAWN is a national pawn chain offering collateral-based cash loans, gold buying, firearms lending, and discounted pre-owned merchandise in Las Vegas, NV.
Best for: Consumers needing immediate cash and willing to use personal property as collateral, Bargain shoppers seeking discounted brand-name electronics, jewelry, or tools
Cash America Pawn (formerly Comal Pawn) is a pawn shop in New Braunfels offering collateral-based loans, pawn services, and merchandise sales across electronics, jewelry, and firearms.
Best for: Consumers needing quick collateral-based loans without credit requirements, Buyers seeking used electronics, musical instruments, or sporting goods at discount prices
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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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