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ACE Cash Express Phoenix location offers check cashing, title loans, and money services with same-day access at 2835 N 16th St. No bank account required for check cashing.
Data compiled from public sources
ACE Cash Express operates a physical storefront in Phoenix, Arizona at 2835 N 16th St, Ste 6, providing financial services to consumers who need quick access to cash and alternative banking solutions. The company has been serving the emergency lending market with a focus on collateral-based loans and basic financial services. Their Phoenix location offers extended hours (9 AM–8 PM Friday) and is positioned as a one-stop shop for check cashing and short-term loans.
The store operates under the ACE Cash Express brand, which is a national network of similar locations. ACE's service model relies on listed funding timing for loans and limited-documentation claims to verify for check cashing, targeting consumers without traditional bank accounts or those facing urgent expense research. The company emphasizes accessibility and convenience, with in-store applications and immediate service availability.
However, as a non-bank lender, ACE operates in the alternative finance space where cost structures can be significantly higher than traditional banking. Their business model centers on serving underbanked populations, including those with poor credit histories or insufficient banking infrastructure. The location also provides ancillary services like bill payment, money orders, and money transfers to create a comprehensive alternative financial hub.
While ACE provides genuine convenience and speed, borrowers should be aware that title loans and short-term lending products typically carry higher in listed context interest rates and fees than conventional loans, and collateral-based lending carries the risk of vehicle repossession.
This is state-level context for Check Cashing & Money Services consumers in Los Angeles, CA. It does not confirm that Phoenix Check Cashing or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Short-term lending status: Legal
General rate context: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Phoenix Check Cashing offers 13 services including Check cashing (most check types, no bank account required), Title loans ($100–$2,500), Title registration installment loans, Bill payment services (utilities, rent, credit cards), MoneyGram money transfers, and 8 more.
Phoenix Check Cashing has profile signals associated with Unbanked or underbanked consumers who need check cashing without a bank account, Workers with irregular schedules needing extended-hours financial services, Vehicle owners with poor credit needing quick collateral-based loans, Consumers needing multiple financial services (bill pay, money orders, transfers) in one location.
Key strengths: Check cashing available with only valid government-issued ID—no bank account required; Extended store hours through 8 PM Friday and Saturday until 6 PM for working customers; Multiple loan products available in-store including title loans ($100–$2,500) and title registration installment loans. Areas to consider: Title loans and short-term lending products typically carry high interest rates and fees (rates not disclosed on website); Title loan collateral places borrowers at risk of vehicle repossession if unable to repay.
In the Check Cashing & Money Services category, comparable providers include Check Cashing & Grocery Deli Liquor Wine & Beer, Express Loans, Money Exchange Hernandez. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
profile signals for unbanked consumers and vehicle owners researching emergency-cash options access without a bank account or traditional credit. Primary caveat: collateral-based loans and short-term lending carry substantial interest rates and fees not transparently disclosed on the website, and vehicle title loans risk repossession if payments are missed.
Check cashing service combined with grocery deli and liquor retail located in San Jose. Offers check cashing, money orders, and beverage/food sales.
Profile signals: Unbanked or underbanked customers in the San Jose area needing same-day cash access, Customers seeking convenient one-stop shopping combining financial services with grocery/liquor purchases
ACE Cash Express operates physical locations offering check cashing, payday loans, bill payment, and money transfer services without requiring a bank account.
Profile signals: Unbanked or underbanked consumers needing to cash checks without a bank account, Individuals seeking immediate bill payment options in cash at physical locations
Money Exchange Hernandez offers check cashing, money orders, wire transfers, and bill payment services in San Diego's San Ysidro neighborhood with extended hours.
Profile signals: Unbanked and underbanked consumers without traditional bank accounts, Cross-border commuters and San Ysidro residents needing rapid money transfer services
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