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Why Choose ACE for Short-Term Loans


Installment loans are a type of short-term personal loan. These loans are available in some states when you need quick cash to pay for emergencies or unexpected expenses. 

Ever wondered how to get an installment loan? You can apply for what you need, even if you’re not sure if you're qualified. You’ll receive a quick loan decision. Depending on your state, you may be able to visit a store or apply online to get started.

 

Not sure if a payday loan or installment loan is for you?  

With an installment loan, you have more time to repay than you would with a traditional payday loan.1 An installment loans can be a helpful option when you need money now, but you’re worried about paying it all back on your next payday. However, if you prefer, you can choose to repay your installment loan all at once like a traditional payday loan, which may save you interest and fees (where applicable). 

What Do I Need to Apply


What Do I Need to Apply for an Installment Loan?

Anyone is free to apply for a loan. The process is quick and simple, and all you need are a few pieces of information to get the loan application started. Refer to the guidelines below. 

Personal Information   

  • Name    
  • Address    
  • Valid and Active Email    
  • Phone Number    
  • Valid Social Security Number or Individual Taxpayer Identification Number 

Income Information    

  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source  
  • Proof of active bank account that we ask to be open for at least one month 

Things to Keep in Mind When Applying for an Installment Loan

Personal Information   

  • Name    
  • Address    
  • Valid and Active Email, where applicable    
  • Phone Number    
  • Valid Social Security Number or Individual Taxpayer Identification Number, where applicable    
  • Valid, government-issued ID

Income Information   

  • Proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source      
  • Proof of a bank account that we ask to be open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof of bank account. Contact your local store for details. Acceptable documents may vary by state.

  Things to Keep in Mind When Applying for an Installment Loan

Installment Loans Questions


An installment loan is a short-term loan that allows you more time to repay than a traditional payday loan.1 Installment loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount. At ACE, you can choose to repay early without penalty, which may save you money on interest and fees (where applicable). 

Depending on your state, you can apply for an installment loan online or in person at an ACE Cash Express store location

Online 

In some states, you can apply for an installment loan online. The online process is simple! 

  1. Complete the installment loan application. This takes just a few minutes. 
  2. Receive an instant decision.
  3. If approved, have funds direct deposited to your bank account by the next business day, or depending on your state, if eligible, pick up cash at a store near you!2  

In-Store 

In some states, you can apply for an installment loan at an ACE Cash Express store location

  1. Use the Store Locator to find a store near you to apply in person. 
  2. Receive an instant decision. 
  3. If approved, walk out with cash in hand immediately!2 

Installment loans are available online and in-store in the states below. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.3 

Online 

Delaware: $100 - $2,000 

Florida: $100 - $1,000 

Missouri: $100 - $2,000 

New Mexico: $100 - $2,000 

Texas: $100 - $2,000 

 

In-Store 

Colorado: $100 - $1,000 

Florida: $100 - $1,000 

Louisiana: $400 - $700 

Missouri: $100 - $2,000 

New Mexico: $100 - $2,000 

Ohio: $100 - $1,000 

Oklahoma: $50 - $700 

Texas: $100 - $2,000 (installment loans not available in Austin or Dallas)

Virginia: $100 - $1,000

 

You can get cash fast, if approved! If you apply in-store and you are approved, you’ll receive your funds immediately!2 Walk out with cash in hand. If you apply online and are approved, there are two ways to receive your funds:  

  • Have money direct deposited into your bank account by the next business day.2 
  • Depending on your state, if eligible, you can pick up cash same-day at one of our stores!2 

What Customers Say


Contact Us


Phone: (877) ACE-CASH

Online Loans Email: InternetOps@acecashexpress.com 

All Other Inquiries: CustomerService@acecashexpress.com