V
Venture Payday Loans
Contact
BBB:
Payday Loans Texas in Frisco, TX
ACE Cash Express offers payday loans, installment loans, and title loans in Texas with amounts from $100-$5,000, plus check cashing and money services at physical locations.
Data compiled from public sources · Rating from CreditDoc methodology
Payday Loans Texas Review
ACE Cash Express is an established financial services company operating a network of physical locations across Texas, including a Frisco branch at 7548 Preston Rd. The company has been serving consumers seeking short-term lending solutions and check cashing services for years, with a hybrid online and in-store service model. They position themselves as a convenient alternative for consumers facing unexpected expenses or cash flow gaps.
The Frisco location operates extended hours (9 AM-7 PM weekdays, 9 AM-6 PM Saturday) to accommodate working consumers. ACE Cash Express distinguishes itself by offering multiple loan products under one roof—payday loans ($100-$2,000 online), installment loans with longer terms ($100-$2,500), and title loans using vehicle collateral ($100-$5,000). They also provide ancillary financial services including check cashing, bill payment, money transfers, money orders, ATM access, and tax services, making them a one-stop shop for unbanked and underbanked consumers.
Their product ecosystem extends to prepaid card products (ACE Elite Visa, Porte mobile banking, Flare Account) and business services. However, this is a high-cost lending model typical of payday and title loan operations. The website provides minimal disclosure of APRs, fees, or interest rates—critical information for evaluating affordability.
While convenient and accessible, consumers should be aware these products carry substantially higher costs than traditional bank loans and involve repayment structures designed for short-term cash flow needs rather than long-term financial stability.
Services & Features
ACE Elite Visa prepaid debit card
ATM services
Bill payment services
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 app with deposit accounts
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 loan products in one location: payday, installment, and title loans with varying terms and amounts
- Extended weekday hours (9 AM-7 PM) and Saturday availability accommodates working consumers
- Online application option for payday loans allows remote approval and funding
- Higher loan amounts available for installment loans ($2,500) and title loans ($5,000) compared to payday-only lenders
- Comprehensive financial services beyond lending: check cashing, bill payment, money transfers, money orders, ATM access
- In-store application and support available for installment and title loans
- Prepaid card products and mobile banking options provide supplementary financial tools
Cons
- No APR, fee, or interest rate information disclosed on the website—critical terms are hidden from view
- Title loans require collateral (vehicle title), creating risk of vehicle loss if unable to repay
- Payday loans require full repayment on next paycheck, creating potential debt cycle for consumers with cash flow issues
- High-cost lending model typical of the industry; these products are significantly more expensive than bank loans or credit union alternatives
- Limited transparency about terms, conditions, and borrower protections despite legal requirements in Texas
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.0
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Payday Loans Texas legitimate?
Yes. Payday Loans Texas is a registered company, headquartered in 7410 Preston Rd #101, Frisco, TX 75034.
Quick Facts
- Headquarters
- 7410 Preston Rd #101, Frisco, TX 75034
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Payday Loans Texas
ACE Cash Express is best for consumers facing immediate, short-term cash needs who have stable income and either lack access to traditional bank credit or need faster funding than banks provide. The critical caveat: these are high-cost loans with undisclosed APRs and fees; consumers should explore payday alternatives (credit union PALs, employer advances) or personal loans before committing to these products, as the long-term cost can be substantially higher.
Best For
- Consumers with unexpected immediate expenses who need cash within 1-2 business days
- Underbanked or unbanked individuals without access to traditional bank loans
- Workers with stable income and vehicle title who qualify for title loans but need larger amounts than payday loans offer
- Consumers seeking check cashing and money transfer services at a single location
Updated 2026-04-29
More Emergency Cash
U
USA Payday Cash Loans Memphis
Contact
BBB:
U
USA Cash Services
Contact
BBB:
Financial Wellness Guides
How to Read Your Credit Report (And Spot Errors)
Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Buy Now, Pay Later: How BNPL Really Affects Your Credit
Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
Read guide →Understanding Your Credit Score: The Complete Guide
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Payday Loans Texas and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.