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Check Cashing Phoenix, Arizona — ACE Cash Express operates 10+ locations in the Phoenix metro area offering check cashing, title loans, and financial se...
Data compiled from public sources
ACE Cash Express is a financial services provider operating multiple locations across the Phoenix, Arizona metropolitan area, including surrounding cities like Glendale, Tempe, Mesa, Peoria, and Chandler. The company has established itself as a one-stop shop for consumers seeking quick access to cash and financial products without traditional banking relationships. With 10 locations listed in the Phoenix area alone, ACE maintains a significant physical presence to serve customers who prefer in-person transactions.
ACE Cash Express offers a comprehensive suite of financial services centered on check cashing but expanding into lending and banking products. Core services include check cashing, money orders, bill payment, money transfers, ATM services, and tax services. On the lending side, they provide title loans ($100-$2,500), title registration installment loans with extended repayment periods, and personal loans. The company also offers card products including the Porte mobile banking account, Flare Account for online banking, and ACE Elite Visa prepaid debit cards, all established through partnerships with Pathward, N.A. (an FDIC member).
ACE Cash Express distinguishes itself through its omnichannel approach combining physical storefronts with digital banking products. Unlike traditional check-cashing-only operations, they integrate lending products, prepaid cards, and mobile banking into a cohesive ecosystem. The Porte and Flare accounts provide FDIC-insured banking services, and their prepaid card offerings give customers multiple ways to access and manage funds. This diversification positions them beyond basic check cashing into broader financial services.
However, the website reveals significant limitations in transparency. All 10 Phoenix-area locations are marked as "Closed" with no operating hours displayed, raising questions about current operational status. The website content lacks critical fee information, APR details for loans, eligibility requirements, or terms and conditions. For consumers considering ACE, the lack of listed pricing and uncertain store availability are major caveats. While the range of services suggests convenience, potential customers cannot assess actual costs or confirm whether locations are currently operating.
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, Money orders, Money transfers, Bill payment, ATM services, and 7 more.
Check Cashing has profile signals associated with Unbanked or underbanked consumers in the Phoenix area needing check cashing and money transfer services, Vehicle owners seeking short-term title loans with flexible repayment options, Individuals without traditional bank accounts looking for FDIC-insured deposit accounts with mobile banking.
Key strengths: Multiple convenient locations across Phoenix metro area (10+ stores in surrounding cities); Comprehensive financial services beyond check cashing: title loans, money transfers, bill payment, tax services; FDIC-insured banking products (Porte and Flare accounts) through Pathward partnership. Areas to consider: All listed Phoenix locations marked as "Closed" with no operating hours displayed, creating uncertainty about actual availability; Website provides no fee schedule, APR rates, or listed pricing for any products.
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 Phoenix-area residents and business customers needing convenient check cashing, title loans, and alternative banking services in one location. The major caveat is that all listed stores show as "Closed" with no operating hours, and the website lacks essential fee and rate transparency, making it impossible to verify current operations or assess actual costs before visiting.
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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