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Cash Today in Round Rock, TX
ACE Cash Express offers payday loans ($100-$2,000), installment loans ($100-$2,500), and title loans ($100-$5,000) with both online and in-store options in Round Rock, TX.
Data compiled from public sources · Rating from CreditDoc methodology
Cash Today Review
ACE Cash Express is an established short-term lending company operating multiple physical locations, including their Round Rock, Texas branch at 2541 S I-35 Ste 300. The company has been serving consumers seeking quick access to emergency cash for decades, positioning itself as a convenient alternative to traditional banking for unexpected expenses. Their Round Rock location operates Monday-Friday 9 AM-8 PM, Saturday 9 AM-6 PM, with phone support at (512) 248-8313.
ACE Cash Express offers three primary lending products: Payday loans ($100-$2,000 online) designed to be repaid by the next paycheck, Installment loans ($100-$2,500 available online or in-store) with longer repayment terms and equal monthly payments, and Title loans ($100-$5,000 in-store only) using vehicle titles as collateral. Beyond lending, they provide check cashing, bill payment, money transfers, money orders, ATM services, tax services, and business services. They also offer prepaid card products including Porte (mobile banking via Pathward, N.A.) and ACE Elite Visa prepaid debit cards.
What distinguishes ACE Cash Express is their hybrid delivery model combining physical retail locations with online lending options, allowing customers to apply and fund loans through either channel. Their broad service menu—extending beyond lending to money services and prepaid banking products—positions them as a quasi-financial services hub for underbanked consumers. The company's long operational history and multi-location footprint suggest established infrastructure and regulatory compliance across multiple states.
However, customers should understand that payday and title loans are high-cost short-term debt products typically carrying significant interest rates and fees not disclosed on the location landing page. The website content lacks transparency on APR, terms, and total cost of borrowing, which is standard for this product category but critical for consumer decision-making. While installment loans offer longer repayment periods than payday loans, all three loan products are designed for emergency situations, not long-term financial solutions.
Services & Features
ACE Elite Visa Prepaid Debit Card
ATM Services
Bill Payment
Business Services
Check Cashing
Installment Loans ($100-$2,500 online or in-store)
Money Orders
Money Transfers
Payday Loans ($100-$2,000 online)
Porte Mobile Banking (FDIC-insured via Pathward)
Tax Services
Title Loans ($100-$5,000 in-store)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple access channels: online application for payday and installment loans plus in-store options for immediate service
- Flexible loan amounts across products: $100-$2,000 payday, $100-$2,500 installment, $100-$5,000 title loans to match different needs
- Extended store hours: 9 AM-8 PM weekdays and Saturday morning hours accommodate working consumers
- Bundled financial services: check cashing, bill payment, money orders, ATM access, and tax services reduce need for multiple vendors
- Prepaid card and mobile banking options: Porte and Flare Account provide FDIC-insured deposit accounts via Pathward partnership
- Same-day or next-day funding capability: payday and installment loans explicitly marketed as solutions for immediate cash needs
- Title loan option: allows borrowers to leverage vehicle equity for larger loan amounts ($100-$5,000)
Cons
- No APR or fee transparency on location page: critical borrowing costs omitted, preventing informed comparison before visiting or applying
- High-cost debt products: payday and title loans are inherently expensive short-term debt with rates typically exceeding 200-400% APR industry-wide
- Title loan risk: vehicle collateral requirement means failure to repay can result in loss of transportation, creating financial hardship spiral
- Debt trap potential: short repayment cycles and high fees encourage repeat borrowing, converting emergency loans into chronic debt
- Limited long-term solutions: all three loan products are explicitly short-term, offering no path to building credit or financial stability
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Cash Today legitimate?
Yes. Cash Today is a registered company, headquartered in 1350 E Palm Valley Blvd Ste 250, Round Rock, TX 78664.
Quick Facts
- Headquarters
- 1350 E Palm Valley Blvd Ste 250, Round Rock, TX 78664
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Cash Today
ACE Cash Express is appropriate for consumers facing genuine short-term cash emergencies who have exhausted alternatives and can repay within the loan term. The critical caveat is that payday and title loans are expensive debt products—the location website omits APR and fee disclosure, making it essential to request full terms before borrowing. These products should be used only for true emergencies, never as a substitute for budgeting or regular credit.
Best For
- Workers with temporary cash shortfalls between paychecks who can repay within 2-4 weeks
- Consumers without access to credit cards or traditional bank loans due to poor credit or lack of banking history
- Vehicle owners facing genuine emergencies who can quickly repay title loans to avoid asset loss
Updated 2026-04-29
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Financial Wellness Guides
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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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