California Installment Loans

72 Hour Risk Free Guarantee

Satisfaction Guaranteed

Installment Loans at ACE allow you to pay your loan over a longer period of time than your traditional Payday Loan.2 Plus, your online loan comes with a Satisfaction Guarantee. So if you change your mind about your online loan, just return the principal within 72 hours and pay nothing more.

72 Hour Satisfaction Guarantee Period  
California, Delaware, MissouriNew MexicoOhio, South DakotaTexas

Cash deposited overnight 3

Make sure you have your social security number and banking information handy while completing the application. You will need this information to complete the loan application. If approved, your cash may be deposited overnight.3


Just apply and you're on your way

We've simplified the online loan application process to make it fast and easy for you to apply for the cash advance you need. In fact, you can complete the application online in minutes and get an instant decision.1

Fast Cash

Instant loan decision

Cash deposited overnight3

$2,500 to $5,000 Loans4

Safe and Secure

Secure Application

Easy Application

No Faxing Required

A Trusted Partner

More than 40 years of trust

More than 1,000 locations

Dependable quality service

  • Application

    Apply online in minutes and get an instant decision.1

  • Requirements

    View our minimum requirements for being approved for a loan.

  • Licenses and Rates

    View our state license and short term lending rates.

  • FAQs

    Find answers to common questions about online loans.

  • Login

    Manage your existing loan account by logging in.

  • More Information

    More details about how to use online loans.


1. All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling. Loans in California are made or arranged pursuant to Department of Business Oversight California Finance Lenders License.

2. Installment Loans are intended for customers who need more time to pay off their loan than provided by a single-payment Payday Loan. Individual payment amounts for an Installment Loan are smaller when compared to the single-payment Payday Loan for the same loan amount. The total sum of payments for an Installment Loan will be higher than a single-payment Payday Loan if you pay off the Installment Loan according to the payment schedule set forth in the associated loan agreement.

3. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria.

4. In California, installment loan amounts range from $2,500 - $5,000.

Our credit decision on your application may be based in whole or in part on information obtained from a national database including, but not limited to Clarity Services, Inc., P.O. Box 5717, Clearwater, Florida 33758, (866) 390-3118 and/or FactorTrust, Inc., P.O. Box 3653, Alpharetta, Georgia 30023, (678) 306-2260.

Annual Percentage Rate (APR) varies from 92% - 1242% and is based on state, loan term, loan funding date and other underwriting considerations. Please select the state above for further details on APR.