<SUBMISSION>
<ACCESSION-NUMBER>0001209191-03-037270
<TYPE>4
<PUBLIC-DOCUMENT-COUNT>1
<PERIOD>20031204
<FILING-DATE>20031231
<REPORTING-OWNER>
<OWNER-DATA>
<CONFORMED-NAME>PAYNE MARSHALL B
<CIK>0001059268
</OWNER-DATA>
<FILING-VALUES>
<FORM-TYPE>4
<ACT>34
<FILE-NUMBER>000-20774
<FILM-NUMBER>031080699
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>2100 MCKINNEY AVE., 9TH FLOOR
<CITY>DALLAS
<STATE>TX
<ZIP>75201
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>500 CRESCENT COURT
<STREET2>SUITE 250
<CITY>DALLAS
<STATE>TX
<ZIP>75201
</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>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?><ownershipDocument><schemaVersion>X0201</schemaVersion>    <documentType>4</documentType><periodOfReport>2003-12-04</periodOfReport><notSubjectToSection16>0</notSubjectToSection16><issuer><issuerCik>0000849116</issuerCik><issuerName>ACE CASH EXPRESS INC/TX</issuerName>        <issuerTradingSymbol>AACE</issuerTradingSymbol></issuer><reportingOwner><reportingOwnerId><rptOwnerCik>0001059268</rptOwnerCik><rptOwnerName>PAYNE MARSHALL B</rptOwnerName></reportingOwnerId><reportingOwnerAddress><rptOwnerStreet1>5519 WENONAH DRIVE</rptOwnerStreet1><rptOwnerStreet2></rptOwnerStreet2><rptOwnerCity>DALLAS</rptOwnerCity><rptOwnerState>TX</rptOwnerState><rptOwnerZipCode>75209</rptOwnerZipCode><rptOwnerStateDescription></rptOwnerStateDescription></reportingOwnerAddress><reportingOwnerRelationship><isDirector>1</isDirector><isOfficer>0</isOfficer><isTenPercentOwner>0</isTenPercentOwner><isOther>0</isOther></reportingOwnerRelationship></reportingOwner><nonDerivativeTable><nonDerivativeTransaction><securityTitle><value>Common Stock</value></securityTitle><transactionDate><value>2003-12-04</value></transactionDate><deemedExecutionDate></deemedExecutionDate><transactionCoding><transactionFormType>5</transactionFormType><transactionCode>G</transactionCode><equitySwapInvolved>0</equitySwapInvolved></transactionCoding><transactionTimeliness><value>E</value></transactionTimeliness><transactionAmounts><transactionShares><value>10000.0000</value></transactionShares><transactionPricePerShare><value>0</value></transactionPricePerShare><transactionAcquiredDisposedCode><value>D</value></transactionAcquiredDisposedCode></transactionAmounts><postTransactionAmounts><sharesOwnedFollowingTransaction><value>174719.0000</value></sharesOwnedFollowingTransaction></postTransactionAmounts><ownershipNature><directOrIndirectOwnership><value>D</value></directOrIndirectOwnership></ownershipNature></nonDerivativeTransaction></nonDerivativeTable><footnotes></footnotes><remarks></remarks><ownerSignature><signatureName>Marshall B. Payne</signatureName><signatureDate>2003-12-31</signatureDate></ownerSignature></ownershipDocument>

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