<SUBMISSION>
<ACCESSION-NUMBER>0001059263-03-000004
<TYPE>4
<PUBLIC-DOCUMENT-COUNT>1
<PERIOD>20031224
<FILING-DATE>20031229
<REPORTING-OWNER>
<OWNER-DATA>
<CONFORMED-NAME>SHIPOWITZ JAY B
<CIK>0001059263
</OWNER-DATA>
<FILING-VALUES>
<FORM-TYPE>4
<ACT>34
<FILE-NUMBER>000-20774
<FILM-NUMBER>031075109
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>1231 GREENWAY DR. STE 800
<CITY>IRVING
<STATE>TX
<ZIP>75038
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>1231 GREENWAY DR. STE 800
<STREET2>SUITE 800
<CITY>IRVING
<STATE>TX
<ZIP>75038
</MAIL-ADDRESS>
</REPORTING-OWNER>
<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>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>c0001059263d20031229f4f.xml
<DESCRIPTION>PRIMARY DOCUMENT
<TEXT>
<XML>
<ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-12-24</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000849116</issuerCik><issuerName>ACE CASH EXPRESS INC/TX</issuerName>        <issuerTradingSymbol>AACE</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001059263</rptOwnerCik><rptOwnerName>SHIPOWITZ JAY B</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>1231 GREENWAY DRIVE</rptOwnerStreet1><rptOwnerStreet2>SUITE 600</rptOwnerStreet2><rptOwnerCity>IRVING</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>75038</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>1</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther><officerTitle>President &amp; COO</officerTitle><otherText></otherText></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-12-24</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>4</transactionFormType><transactionCode>S</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value></value></transactionTimeliness><transactionAmounts><transactionShares><value>9400</value></transactionShares><transactionPricePerShare><value>21.9</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>103900</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership><natureOfOwnership><value></value></natureOfOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><derivativeTable></derivativeTable><footnotes></footnotes><ownerSignature><signatureName>Jay B Shipowitz</signatureName><signatureDate>2003-12-29</signatureDate></ownerSignature></ownershipDocument>

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