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SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities
Exchange Act of 1934

January 13, 2005
(Date of earliest event reported)

ACE CASH EXPRESS, INC.

(Exact name of registrant as specified in its charter)

Texas (State or other jurisdiction of incorporation) |  | 0-20774 (Commission file number) |  | 75-2142963 (I.R.S. employer identification no.)

1231 Greenway Drive, Suite 600
Irving, Texas 75038
(Address of principal executive offices)

(972) 550-5000
(Registrant’s telephone number,
including area code)

Not Applicable
(Former Name or Former Address,
if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

o |  | Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
o |  | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
o |  | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
o |  | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

| Item 7.01 Regulation FD Disclosure.
| Item 9.01 Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
Presentation Slides

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Item 7.01 Regulation FD Disclosure.

Ace Cash Express, Inc. has prepared slides for presentations to be made at various investor conferences during the first calendar quarter of 2005. The Registrant is also placing those slides on its website, at www.acecashexpress.com. A copy of those slides is Exhibit 99.1 to this report.

Item 9.01 Financial Statements and Exhibits.

(c) Exhibits.

Exhibit 99.1 Presentation Slides dated January 2005.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

| ACE CASH EXPRESS, INC. |
Dated: January 14, 2005 | By: | /s/ WILLIAM S. MCCALMONT |
|  | William S. McCalmont |
|  | Executive Vice President and Chief Financial Officer |

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EXHIBIT INDEX

Exhibit No. |  | Description
99.1 |  | Presentation Slides dated January 2005.

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