Qualifications for Installment Loans

ACE Cash Express Loan Questions

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

What Do I Need to Apply for an Installment Loan?

With an installment loan at ACE, you may be able to borrow cash for emergency expenses before your next payday. The application process takes just a few minutes, and you’ll receive an instant decision.  

To apply for an online installment loan, you’ll need the following: 

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  

*All loans subject to approval pursuant to standard underwriting criteria.

 

You can view the full list of installment loan requirements here. 

To apply for an in-store installment loan, you’ll need the following: 

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 stores for details. Acceptable documents may vary by state. 

*All loans subject to approval pursuant to standard underwriting criteria.

 

You can view the full list of installment loan requirements here. 

How do I know if I qualify for an installment loan? 

 

Our system considers several factors during the loan application process.1 Be sure to fill out the application accurately and completely. 

 

Will ACE Cash Express check my credit? 

 

We consider many factors when making a decision on whether or not to loan you money, and we may use your credit score to make a decision on your loan application.1 Anyone is welcome to apply.   

 

Does ACE Cash Express report payday loan payments to the credit bureaus?  

 

We do not report loan activity to traditional credit bureaus. 

 

How many loans can I have with ACE Cash Express? 

 

Each ACE customer may have one loan open at a time – whether it’s a payday loan or an installment loan.  

 

Can I get a loan without a job? 

 

You do not have to be employed and you may be retired, but you must have a steady source of recurring income payments. This could include income from government benefits, retirement, self-employment, or another recurring income source. 

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