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Check Cashing Phoenix, Arizona — ACE Cash Express operates 10+ locations across the Phoenix metro area offering check cashing, title loans, bill payment...
Data compiled from public sources
ACE Cash Express is an established financial services provider with multiple storefront locations throughout the Phoenix, Arizona metropolitan area, including Glendale, Tempe, Mesa, Peoria, and Chandler. The company positions itself as a convenient alternative to traditional banking for unbanked and underbanked consumers seeking quick access to cash and money services. ACE's primary offerings include check cashing, title loans (both standard and title registration installment variants ranging from $100-$2,500), money transfers, money orders, bill payment services, ATM access, and tax preparation services.
, a federally insured institution. What distinguishes ACE is its extensive physical store network with consistent operating hours (typically 9 AM-8 PM), immediate in-store service availability, and bundled offerings that combine short-term lending with basic financial services. The company specifically markets to consumers who may lack traditional banking relationships or need rapid access to funds.
However, consumers should note that title loans and similar products typically carry high interest rates and fees characteristic of the short-term lending industry. The check cashing and money services business model depends on transaction-based fee structures that can become costly for frequent users, and the emphasis on collateral-based lending products reflects a business model targeting credit-constrained populations.
This is state-level context for Check Cashing & Money Services consumers in Phoenix, AZ. It does not confirm that Check Cashing or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
Short-term lending status: Banned
General rate context: 36% APR cap on consumer loans; payday lending banned since 2010
Arizona banned payday lending in 2010, providing strong consumer protections against high-cost short-term loans. Consumer loans are capped at 36% APR under state law. Residents can file complaints with the Department of Insurance and Financial Institutions or the Attorney General's Consumer Protection Division.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
According to CFPB data (2023-present), Check Cashing has a 100% response rate to consumer complaints, with 100% of those responses delivered within the CFPB's 15-day window. Response rate measures whether the company replied — not whether the consumer's issue was resolved in their favor.
Check Cashing offers 12 services including Check cashing, Title loans ($100-$2,500), Title registration installment loans, Money transfers, Money orders, and 7 more.
Check Cashing has profile signals associated with Unbanked or underbanked consumers needing immediate check cashing without a bank account, Workers paid by check seeking same-day cash access without check deposit delays, Vehicle owners needing emergency short-term loans and willing to pledge collateral, Consumers needing one-stop access to money services (transfers, bill payment, money orders) in their neighborhood.
Key strengths: Multiple convenient locations (10 stores shown near Phoenix) with extended operating hours up to 8 PM; Same-day access to funds through in-store title loans ($100-$2,500 range); Diverse service menu including check cashing, money orders, bill payment, and money transfers in one location. Areas to consider: Title loans and short-term lending products typically carry high interest rates and fees not disclosed on location page; Check cashing and money transfer services charge per-transaction fees that accumulate for regular users.
In the Check Cashing & Money Services category, comparable providers include ACE Cash Express, Amigo Check Cashing, Ria Money Transfer - Universal Check Cashing. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
ACE Cash Express is profile signals for unbanked or underbanked consumers in the Phoenix area who need immediate check cashing, money transfer, or emergency short-term loans through physical storefronts. Primary caveat: title loans and short-term lending products carry high costs typical of collateral-based lending, and check cashing/money services rely on per-transaction fees that can become expensive for regular users.
Public data from the Consumer Financial Protection Bureau
* Percentage of consumer complaints that received a company response (does not indicate the complaint was resolved in the consumer's favor)
** Percentage of responses delivered within the CFPB's 15-day window
Source: consumerfinance.gov | Last checked 2026-04-24
760 N Country Club Dr in Mesa, AZ, this ACE Cash Express provides check-cashing and cash advance services.
Profile signals: Unbanked or underbanked consumers needing immediate access to cash through check cashing, Individuals requiring money transfer or bill payment services without traditional bank accounts
MoneyGram location at Amigo Check Cashing offering check cashing, money transfers, and cash services in Avondale, AZ with extended daily hours.
Profile signals: Consumers needing after-hours check cashing on weekends or evenings, Individuals requiring quick money transfers without a bank account
Ria Money Transfer is a global remittance provider offering international money transfers to 190+ countries through 600,000+ locations, with online, mobile app, in-person, and WhatsApp sending options.
Profile signals: Immigrants and migrant workers sending regular remittances to family in Latin America, Africa, Asia, and Europe, International business professionals needing to move funds across borders quickly and reliably
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