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ACE Cash Express operates 10+ Phoenix-area locations offering check cashing, title loans, money transfers, and prepaid card services with extended evening hours.
Data compiled from public sources
ACE Cash Express is a financial services company operating multiple locations across the Phoenix metropolitan area, including stores in Phoenix, Glendale, Tempe, Mesa, Peoria, and Chandler. The company has established itself as a convenience-focused alternative financial services provider serving communities that may lack access to traditional banking services.
The company offers a diverse range of financial products and services including check cashing, title loans (both standard and title registration installment loans ranging from $100-$2,500), money transfers, money orders, bill payment services, and ATM access. They also provide banking products through partnerships, including the Porte prepaid banking account and Flare Account (banking services provided by Pathward, N.A., Member FDIC), as well as the ACE Elite Visa prepaid debit card for account holders seeking mobile banking capabilities.
ACE Cash Express distinguishes itself through extended store hours (most locations open 9 AM-8 PM, some until 7 PM), multiple convenient locations within the Phoenix area, in-person customer support at physical locations, and a combination of traditional check-cashing services with newer financial products. The integration of FDIC-insured banking products through Pathward suggests an effort to bridge alternative finance and mainstream banking access.
As an alternative financial services provider, ACE Cash Express serves consumers seeking quick access to cash and financial services outside traditional banking hours and locations. However, title loans and similar products typically carry higher costs than conventional loans, and consumers should carefully evaluate terms and fees. The company's strength lies in accessibility and convenience rather than competitive pricing for credit products.
This is state-level context for Check Cashing & Money Services consumers in Phoenix, AZ. It does not confirm that Checks Cashed A.C.E 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.
Checks Cashed A.C.E offers 12 services including Check cashing, Title loans ($100-$2,500), Title registration installment loans, Money transfers, Money orders, and 7 more.
Checks Cashed A.C.E has profile signals associated with Unbanked or underbanked consumers without access to traditional bank accounts or extended banking hours, Workers needing rapid check cashing services to access paycheck funds same-day, Consumers with vehicle titles/registrations seeking quick emergency cash loans, Individuals seeking prepaid banking solutions with in-person support and mobile banking capabilities.
Key strengths: Multiple Phoenix-area locations (10 stores listed) providing convenient access across Glendale, Tempe, Mesa, Peoria, and Chandler; Extended operating hours with most locations open 9 AM-8 PM daily, accommodating working customers; FDIC-insured banking products (Porte and Flare accounts) through Pathward partnership for with more risk context money storage. Areas to consider: Title loans and similar products typically carry significantly higher costs and interest rates than traditional personal loans or bank credit; Limited loan amounts ($100-$2,500 for title loans) may not address larger financial needs.
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 consumers in the Phoenix area who lack traditional bank access or need rapid check cashing and emergency cash solutions outside standard banking hours. The primary caveat is that title loans and alternative financial products carry higher in listed context costs than conventional credit—these should only be used for genuine emergencies, not routine borrowing, and terms should be carefully reviewed before committing.
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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