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ACE Cash Express


ACE Cash Express is a company that provides its customers with financial services. Specifically, it is the biggest franchiser of check cashing locations in the country. In addition to check cashing, most stores provide services like bill payments, money transfers, direct deposits, tax checks, money orders, and gold buying. Through certain stores and online programs, ACE Cash Express also can help customers obtain low car insurance quotes, prepaid debit cards, title loans, installment loans, and payday loans. ACE Cash Express can help its customers with nearly any financial need they may have.

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Facts & Figures

Liquid capital required
$143,200 - $279,100
Franchise fee


TheACE Cash Express franchise opportunityseeks franchisees who have overall business experience, but experience in the check cashing industry is not necessary. While absentee ownership is permitted, all but a handful of the franchisees run their own ACE Cash Express business. Most ACE Cash Express locations need two fulltime employees.


ACE Cash Express first opened in 1968 and began franchising a few decades later in 1996. The company, which is now publicly held, is headquartered in Irving, Texas.

Franchise Cost / Initial Investment / Franchise Income

ACE Cash Express has a franchise fee of between $15,000 and $30,000 for a 10-year renewable agreement, although the total initial investment ranges from $143,200 to $279,100. Franchisees must also pay ACE Cash Express a 6% ongoing royalty fee of 6% on all sales.

Other Information

ACE Cash Express has four different business models: a full-service store that offers the complete array of financial services, a small-market store for towns with low populations, kiosks that are stationed in convenience stores and offer a limited number of services, or a conversion franchise that takes an existing check cashing store and makes it conform with the ACE Cash Express family. Since financial transactions require a lot of sensitive information, ACE Cash Express has a number of security precautions in place to protect its customers.

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