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How Do Installment Loans Work?

How Do Installment Loans Work? image

Installment loans are personal loans a borrower uses to pay for unexpected expenses (home repair, unexpected bill, car expenses, etc.). Unlike a payday loan, the repayment period on an installment loan is extended over a longer period.1 If approved,2 the amount you receive may vary depending on your state, your income and standard underwriting criteria.

Where Can I Get an Installment Loan?

The states where we offer installment loans online and at our stores, as well as the loan amount ranges, are as follows:


Delaware: up to $2,000 

Florida: $100 - $1,000 

Missouri: $100 - $2,000 

Texas: $100 - $2,000


Florida: $100 - $1,000 

Louisiana: $400 - $700 

Missouri: $100 - $2,000 

Ohio: $100 - $1,000 

Oklahoma: $50 - $700 

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

Virginia: $100 - $1,000

Why Choose ACE for a Short-Term Loan

Simple online application process, quick decision

You can apply for what you need, even if you’re not sure if you're qualified. You’ll receive a quick loan decision on your application.

Come into one of our stores for great service

ACE associates are ready to assist you with your personal loan application as well as other financial service needs like check cashing, money orders, bill pay, and more.

No prepayment fee

Loans at ACE don't have prepayment penalties, so you can pay off your loan early, which may save you some interest and fees (where applicable).

Do You Need a Fast Personal Loan?

If approved for a personal loan online,2 ACE offers different ways to receive your funds.

debit cards

Instant Funding to a Debit Card

If you are eligible, ACE’s Instant Funding to a debit card is our quickest way to receive your online loan proceeds.3

bank building

Direct Deposit

Get cash deposited directly into your bank account overnight.2

money in hand

Pick Up Cash at an ACE Store

Visit a local ACE store to get same-day cash pick-up, if eligible.2

Ready to Apply for an Installment Loan Online?

Benefits of an Installment Loan

Benefits of an Installment Loan image

If you are approved, 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.1

  • Pay back the loan over time, not all at once1

  • Predictable payments

  • Higher loan amounts than a payday loan2

  • Instant decision

What Do I Need to Apply?

Anyone may 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. Please refer to the Installment Loans Requirements page for more information.


An installment loan is a personal 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 (installments) 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).

An installment loan might be a good option when you need a personal loan with an extended repayment period. Everyone may apply.

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

Apply online

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

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

Visit an ACE Store

In some states, you can apply for an installment loan at an ACE 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

There are not application fees for loans at ACE.

You can get cash fast if approved! You may be eligible for the following funding options:

  • If you are eligible, get your funds loaded to your debit card.3
  • Choose direct deposit to have funds in your bank account as soon as the next business day.2
  • If you are eligible, pick up cash same-day at one of our stores.2

There are many factors ACE considers when assessing your ability to repay a personal loan. Anyone may apply.

Contact Us

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