<SUBMISSION>
<ACCESSION-NUMBER>0001209191-03-017388
<TYPE>4
<PUBLIC-DOCUMENT-COUNT>2
<PERIOD>20030805
<FILING-DATE>20030815
<ISSUER>
<COMPANY-DATA>
<CONFORMED-NAME>ACE CASH EXPRESS INC/TX
<CIK>0000849116
<ASSIGNED-SIC>6099
<IRS-NUMBER>752142963
<STATE-OF-INCORPORATION>TX
<FISCAL-YEAR-END>0630
</COMPANY-DATA>
<BUSINESS-ADDRESS>
<STREET1>1231 GREENWAY DR STE 800
<CITY>IRVING
<STATE>TX
<ZIP>75038
<PHONE>2145505000
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1231 GREENWAY DR #800
<CITY>IRVING
<STATE>TX
<ZIP>75038
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>ACE CASH EXPRESS INC
<DATE-CHANGED>19921016
</FORMER-COMPANY>
</ISSUER>
<REPORTING-OWNER>
<OWNER-DATA>
<CONFORMED-NAME>MCCALMONT WILLIAM S
<CIK>0001035357
</OWNER-DATA>
<FILING-VALUES>
<FORM-TYPE>4
<ACT>34
<FILE-NUMBER>000-20774
<FILM-NUMBER>03851540
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>545 E JOHN CARPENTER
<STREET2>SUITE 1300
<CITY>IRVING
<STATE>TX
<ZIP>75062
<PHONE>9724444908
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>3300 DREXEL
<CITY>DALLAS
<STATE>TX
<ZIP>75205
</MAIL-ADDRESS>
</REPORTING-OWNER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-08-05</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000849116</issuerCik><issuerName>ACE CASH EXPRESS INC/TX</issuerName>        <issuerTradingSymbol>AACE</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001035357</rptOwnerCik><rptOwnerName>MCCALMONT WILLIAM S</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>3300 DREXEL DRIVE</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>DALLAS</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>75205</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>0</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>Exec VP &amp; CFO</officerTitle></reportingOwnerRelationship></reportingOwner><derivativeTable><derivativeTransaction><securityTitle><value>Stock Options (Right to Buy)</value></securityTitle><conversionOrExercisePrice><value>14.31</value></conversionOrExercisePrice><transactionDate><value>2003-08-05</value></transactionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>A</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>60000</value></transactionShares><transactionPricePerShare><value>14.31</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>A</value></transactionAcquiredDisposedCode></transactionAmounts><exerciseDate><footnoteId id="F1" /></exerciseDate><expirationDate><value>2013-08-15</value></expirationDate><underlyingSecurity><underlyingSecurityTitle><value>Common Stock</value></underlyingSecurityTitle><underlyingSecurityValue><value>60000</value></underlyingSecurityValue></underlyingSecurity><postTransactionAmounts><valueOwnedFollowingTransaction><value>60000</value></valueOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></derivativeTransaction></derivativeTable><footnotes><footnote id="F1">Exercisable in four equal annual installments beginning on the first anniversary of the grant date (stated in column three).</footnote></footnotes><remarks></remarks><ownerSignature><signatureName>William S. McCalmont</signatureName><signatureDate>2003-08-15</signatureDate></ownerSignature></ownershipDocument>

</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-24.4_11830
<SEQUENCE>3
<FILENAME>poa.txt
<DESCRIPTION>POA DOCUMENT
<TEXT>
 LIMITED POWER OF ATTORNEY


KNOW ALL MEN BY THESE PRESENTS:

	That I,
WALTER E. EVANS, an officer of ACE Cash Express, Inc., a Texas corporation
(the "Company"), have made, constituted and appointed Jay B. Shipowitz and
Donald H. Neustadt, and each of them (with full power to act alone), my
lawful attorneys-in-fact for me, in my name, place, and stead and on my
behalf, to (1) prepare and sign any Form 3, 4 or Form 5 under Section 16 of
the Securities Exchange Act of 1934, as amended ("Section 16"), with the
Securities and Exchange Commission and The Nasdaq Stock Market or any other
stock exchange on which the Company's capital stock is listed, and (2) take
or cause to be taken any and all actions that are necessary or appropriate
in connection with the foregoing.

	That I hereby give and grant to my
said attorneys-in-fact full power and authority to do and perform every act
necessary and proper to be done in the exercise of any of the foregoing
powers as fully as I might or could do if I was personally present;
authorize and empower my attorneys-in-fact to make appointment of
attorney-in-fact by substitution; and ratify and confirm all such lawful
acts that my attorneys-in-fact or their substitute may do or cause to be
done by virtue hereof.

	That this Limited Power of Attorney shall become
effective on the date of signature and shall continue until I revoke it in
writing or until I am no longer subject to the requirements of Section 16,
whichever is earlier, and shall not be affected by my disability or
incompetence hereafter.

	IN WITNESS WHEREOF, I have signed this document
on August 14, 2003.

Signature /s/William S. McCalmont
Print name
William S. McCalmont

</TEXT>
</DOCUMENT>
</SUBMISSION>
