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CA, DE, MO, NM, OH, SD, and TX only
ACE is a leading retailer of financial services, including check cashing, short-term consumer loans, bill pay and prepaid debit card services, and the largest owner operator of check cashing stores in the United States. In business since 1968, ACE Cash Express focuses on serving consumers who seek an alternative to traditional banking relationships to gain convenient and immediate access to financial services.
Depending on the state, ACE may serve as a lender, CSO, and/or CAB. A CSO, or credit services organization, is a company that earns compensation by, among other things, helping consumers obtain loans from a lender. A credit access business (CAB) is a type of CSO that helps people obtain Payday, Installment and Title Loans from a lender. CSOs are not lenders and do not make loans.
List of states where ACE Cash Express is the lender
List of states where ACE Credit Access LLC is a CAB
List of states where FSH Credit Services LLC is a CSO
*Loans will be arranged or made pursuant to Department of Business Oversight Finance Lenders License.
An Installment Loan allows you to pay for your loan over a longer period of time than your traditional Payday Loan. Our Installment Loan product allows you to repay the loan in scheduled payments that are generally equal in amount (last payment may vary slightly). At ACE, your Installment Loan could be repaid early, which will save you interest and CSO fees (where applicable).
To apply online, all you need to do is fill out our simple application. ACE's paperless application process is a convenient, secure and simple way to fund emergencies or cover expenses. Our streamlined application process allows you to fill out and sign your loan documents on your computer without the need to fax unnecessary documentation.
Installment Loans at ACE range from $200 - $2,500. If approved; the amount you may borrow will depend upon your income and various underwriting criteria.
Maximum Loan Amount of $2,000
Maximum Loan Amount of $2,500
If all information can be verified by 5:00 PM Central time, you will generally receive your money the next business day. For security purposes, we must be able to contact you by telephone before your loan is funded. Applications received on a weekend or holiday will be verified the next business day.
You do not need to be employed, but you need to have some sort of income. You can be self-employed, or even receive income from a source other than an employer, but we will require you to have the ability to repay the loan. You can be retired or even on disability. The key is to have a source of income.
You will need to know your banking information (bank routing and account number) and your social security number to complete an online application.
No. You will not be charged to apply for an Installment Loan, whether or not you are approved. Plus, with our satisfaction guarantee, you won't be charged any interest or fees if you change your mind about the loan and return the principal amount within the satisfaction guarantee period. Periods will vary by state of origination. Current satisfaction guarantee periods are as follows:
48 Hour Satisfaction Guarantee Period
72 Hour Satisfaction Guarantee Period
Your Installment Loan payments will be due on consecutive pay periods and the term (length) of your loan will vary by state. You will be informed of the payment due dates and amounts when your loan is approved.
Term lengths by state are as follows:
20 biweekly/semi-monthly payments or 9 monthly payments
13 biweekly/semi-monthly payments or 6 monthly payments
8 biweekly/semi-monthly payments or 6 monthly payments
8 biweekly/semi-monthly payments or 5 monthly payments
5 biweekly, semi-monthly, or monthly payments
The online system will notify you if you qualify for a loan upon completion of the application. The information in your application must be verified before funds are deposited into your account. It generally takes less than 1 business day if all information on the application is correct. Verification does not occur on weekends or holidays.
While completing your application, you may choose to have ACE initiate a transfer of funds from your bank account on the day the payment is due OR you may choose to send your payments through mail using a check or money order. Please note, you will be charged a higher fee if you choose to send your payments through mail.
Mailing Address (Excluding Ohio):
Installment Loans at ACE Cash Express
1231 Greenway Drive Suite 670
Irving, Texas 75038
Mailing Address for Ohio Installment Loans:
RCL FINANCE, INC.
PO BOX: 638226
Cincinnati, Ohio 45263-8226
If you repay your loan in full at any time, you will only be responsible for accrued interest on the outstanding principal through the date of repayment.
You may return the money ACE or the lender loaned you and cancel the transaction if the cancellation is received by ACE or the lender, as applicable, within the satisfaction guarantee period. No questions asked and no fees. It is risk free.
You may cancel your loan by sending us a written notice of cancellation or by contacting us at 877-876-2274 to initiate an electronic funds transfer from your account for the amount financed within the cancellation period. You may cancel this contract, without any penalty or obligation, within three days after the date the contract is signed. The written notice must be postmarked within 3 days of signing the contract.
To cancel your loan or credit services, mail or deliver a signed and dated copy of the cancellation notice, or other written notice, to:
ACE Cash Express
Attn: General Counsel
1231 Greenway Drive, Suite 600
Irving, Texas 75038