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Installment Loan Amounts


Installment loans have longer repayment lengths than payday loans1 and generally have equal payment amounts over the duration of the loan.  If approved,2 an installment loan amount may vary depending on your state, standard underwriting criteria and income amount. Below are the online and in-store ranges for installment loans available at ACE Cash Express.

Delaware: $100 - $2,000  

Florida: $100 - $1,000  

Missouri: $100 - $2,000  

New Mexico: $100 - $2,000  

Texas: $100 - $2,000  

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 

Installment Loan Use Cases


Benefits of an Installment Loan


Installment loans are available in some states when you need quick cash to pay for emergencies or unexpected expenses.

An installment loan 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). 

  • Pay Back the Loan Over Time, Not All at Once 

  • Predictable Payments 

  • Icons / Banking / Green / Application Created with Sketch.

    Higher Loan Amounts than Payday Loan 

  • Instant Decision 

Why ACE Cash Express


Over 50+ Years

in business, opening in 1968

Over 900 stores

nationwide in 22 states and District of Columbia

38 Million

customers served

A+ Rating

from the Better Business Bureau

How Installment Loans Work


Installment loans are personal loans that are taken out to pay for unexpected expenses but allow you to pay back over a longer period of time than payday loans.1

Installment Loan 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). 

There are multiple types of installment loans including auto loans, home mortgage, or personal loans. ACE Cash Express offers short-term installment loans with various loan ranges depending on your state. 

When you applying for an installment loan, there are many factors that provide us the information to choose your ability to repay the loan. Applying for a loan at ACE does not affect your FICO® credit score. † 

The monthly installment payments are calculated based on your loan amount, your loan fees, and length of your loan. There is a detailed payment schedule to view before finalizing your installment loan. 

Each loan type has benefits and depends on availability in your state. If you are choosing an installment loan, you may want more time to pay back your loan with a possibly larger purchase or expense. A payday loan is supposed to be used temporarily and to be paid back in full at your next payday. 

Applying for a loan at ACE Cash Express does not affect your FICO® credit score. † 

Depending on your state, you can apply for a 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. 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 and apply in person.
  2. Receive an instant loan decision.
  3. If approved, walk out with cash in hand immediately!2 

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.
  • If eligible, you can pick up cash same-day at one of our stores!2 

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, 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

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

Why Choose ACE for Short-Term Loans


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 

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Online Loans Email:

InternetOps@acecashexpress.com 

All Other Inquiries: 

CustomerService@acecashexpress.com