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Installment-Loans

About Installment Loans at ACE Cash Express 

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Application Process

Payments and Cancellation Information

About ACE

About Installment Loans


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.

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.2

Online

  • In California, ACE no longer offers installment loans. Apply for a payday loan from $100 - $255  online or visit a store instead.
  • Delaware: $100 - $2,000 
  • Florida: $100 - $1,000
  • Missouri: $100 - $2,000
  • New Mexico: $100 - $2,000
  • In Ohio, ACE no longer offers installment loans online. Visit a store to apply for an installment loan from $100 - $1,000 in person.
  • Texas: $100 - $2,000

 

In-Store

Yes. Each customer is treated individually, and each spouse can apply separately for a loan.

ACE Cash Express may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO® score.  

A FICO Score, created by Fair, Isaac and Company, is a type of credit score used by some lenders to help them make credit-related decisions. FICO Scores are based solely on the information in consumer credit reports maintained by the three major credit bureaus — Experian, Equifax and TransUnion. By comparing your credit information to the patterns in hundreds of thousands of past credit reports, a FICO Score estimates your level of future credit risk.

Hard credit report inquiries to Experian, Equifax and TransUnion can negatively affect your FICO Score, especially if there are many in a short amount of time. At ACE Cash Express, we may obtain information from a non-traditional consumer reporting agency and the inquiry may affect your overall credit profile with the applicable agency, but it will not impact your FICO score.

Application Process


The requirements may vary depending on your state, but you’ll need the following to apply:  

If you’re applying for an installment loan online, you’ll need to: 

  • Be at least 18 years of age to apply.
  • Reside in the state you choose for your loan application.
  • Have a valid Social Security Number or Individual Taxpayer Identification Number.
  • Have a valid and active email address.
  • Be able to be contacted via phone if verification of application information is necessary.
  • Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.
  • Provide proof of active bank account that we ask to be open for at least one month.
  • Not currently be a debtor in a bankruptcy case or intend to voluntarily file for bankruptcy relief.
  • Not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or be a dependent of any such a member.

In order to apply in-store, you’ll need to: 

  • Be at least 18 years of age to apply.
  • Have a valid Social Security Number or Individual Taxpayer Identification Number, where applicable.
  • Have a valid, government-issued ID.
  • Have a valid and active email address, where applicable.
  • Provide 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 stores for details. Acceptable documents may vary by state.
  • Not currently be a debtor in a bankruptcy case or intend to voluntarily file for bankruptcy relief, where applicable.
  • Not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or be a dependent of any such a member.

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!3  

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!3 

You do not have to be employed and you may be retired, but you must have a steady source of recurring income payments. Depending on your state and the type of loan, you could provide a bank statement, pay stub, or benefits statement. 

No. You will not be charged to apply for a loan, whether or not you are approved.

You’ll receive an instant loan decision when you apply, whether online or in one of our stores.  

Online Loans

If you apply online and you are approved, there are two ways to receive your loan funds: 

Direct Deposit: When you are approved online, your loan proceeds will be direct deposited by the next business day.  

Same-Day Cash Pickup: In some states, if eligible, you can pick up cash at your nearest ACE Cash Express store in the same state where you originated your loan!We’ll let you know at the time of approval if you’re eligible for same-day, in-store cash pickup. 

Online Loan Funding Times

Monday – Friday: If approved by 6:00 PM Central Time Monday - Friday, then receive money the next business day!3 

On weekends: If approved by 2:00 PM Central Time Sunday, then receive money the next business day!3 

For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures. 

In-Store Loans 

If you apply in-store and you are approved, you’ll receive your funds immediately!3 Walk out with cash in hand. 

Payments and Cancellation Information


Installment loan payments are typically due on consecutive pay dates. For instance, if you are paid every two weeks, your due dates will be every two weeks on your pay date. The number of payments and the term (length) of the loan will vary depending on your pay frequency. You’ll be informed of the payment due dates and amounts if your loan is approved. 

Colorado, Louisiana, and Oklahoma customers: Please visit your store for information about number of payments and term (length) of loans. 

Online

We offer several convenient options for making payments on your online installment loan: 

  1. Automatic recurring payment from your bank account.
  2. One-time payment online.
  3. Pay over the phone.
  4. Mail in a check.
  5. Payment at a store near you, where available.

Automatic Recurring Payment 

During the online application process, you have the choice to set up automatic recurring payments and have your funds automatically withdrawn from your bank account on each due date (also called an ACH payment). You won’t have to worry about manually scheduling installment payments or missing a due date, giving you peace of mind.  

Pay Online  

To make a payment online, log in to your account by visiting www.myacepayments.com.    

Pay Over the Phone

You can also make a payment by phone using our 24/7 automated phone system by calling (866) 728-1808 or by calling Customer Service at (866)-ACE-CASH between 7:00 AM and 8:00 PM Central Time Monday  ̶  Friday, 8:00 AM and 7:00 PM Central Time Saturdays, or 10:30 AM and 7:00 PM Central Time Sundays. Fees may apply.   

Pay by Mail  

You can also make a payment by mailing in a check to the address below. Our payment address is: 

Installment Loans at ACE Cash Express 

300 E. John Carpenter Fwy., Ste. 900 

Irving, TX 75062 

If paying by mail, please mail your payment at least 4-5 business days prior to your due date to ensure your payment is credited to your loan account by your due date. Electing to make payments by mail may result in being charged a higher fee in some states.   

Pay In-Store 

Depending on your state, you may visit an ACE Cash Express location near you to make a payment or to pay off your loan in full. 

And, remember, there’s no penalty for repaying early! In fact, you could save money on interest and fees, where applicable.  

In-Store

To pay off a loan originated in a store, go to the store where the loan was originated with cash on or before each due date. There’s no penalty for repaying early. 

Automatic Recurring Payment 

In some states, you also have the option to set up automatic recurring payments and have your funds automatically withdrawn from your bank account on each due date (also called an ACH payment) or to pay online.

Pay Over the Phone

Additionally, in some states, you may also pay over the phone by calling the store and giving payment information to the store associate, by calling our 24/7 automated phone system at (866) 728-1808, or by calling Customer Service at (866)-ACE-CASH between 7:00 AM and 8:00 PM Central Time Monday  ̶  Friday, 8:00 AM and 7:00 PM Central Time Saturdays, or 10:30 AM and 7:00 PM Central Time Sundays.

There’s no penalty for repaying early! In fact, you could save money on interest and fees, where applicable. 

All loans at ACE come with a 72-hour satisfaction guarantee. So, if you change your mind about your loan, just return the principal within 72 hours and pay nothing more. 

In Ohio and Virginia, you have until 5:00 PM Central Time on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5:00 PM Central Time on Thursday to cancel your loan.

Online 

To cancel the loan, please send an email to internetops@acecashexpress.com with a request to cancel your contract or call us at (877)-ACE-CASH. 

For loans originated in Texas, you can also mail or deliver a signed and dated copy of the cancellation notice provided with your Credit Services Agreement, or other written notice, to:

ACE Cash Express 

Attn: General Counsel 

300 E. John Carpenter Fwy., Ste. 900  

Irving, Texas, 75062 

You will need to include your name and loan number. Once we receive your loan cancellation notice, in accordance with your authorization in your loan agreement, we will withdraw the principal directly from your bank account. The written notice must be postmarked within three days of signing the contract.  

In-Store 

To cancel your loan, you must return the proceeds from your loan to the store where your loan was originated. Depending on your state, you may also be required to sign a cancellation notice that was provided to you at the time of approval. 

About ACE


We make it easy to obtain cash when you need it most. Since 1968, ACE Cash Express has opened its doors to customers looking for financial services. ACE Cash Express delivers a broad range of financial products and services, including short-term consumer loans, card services, check cashing, money transfers, bill payments, and money orders.

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Didn’t find the information you need? We would love to speak with you about your concerns! You can call ACE Customer Service at 877-ACE-CASH or email us at customerservice@acecashexpress.com.