Installment Loans from your Computer

Application Information

During the application process you may be asked to provide some or all of the following information:

Proof of a verifiable source of recurring income payments totaling $900 per month for every state except California. The California minimum income requirement is $3,000 in verifiable deposits per month;
A checking or savings account that has been open for at least one (1) month;
A verifiable contact number where you may be reached after business hours;
Proof that you are at least 18 years old;
A statement that you are not currently a debtor in a bankruptcy case or do not presently intend to voluntarily file for bankruptcy relief;
Proof you are a resident of the state in which you are applying for a loan, even if you complete an online application.

1. Rates and terms will vary depending upon the state where you reside. ACE Cash Express, Inc. is licensed pursuant to Financial Code Section 23005(a) of the California Deferred Deposit Transaction Law. Certain loans in California are made or arranged pursuant to Department of Business Oversight California Finance Lenders License. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. Loans in Ohio may be arranged by FSH Credit Services LLC d/b/a ACE Cash Express, CS.900100.000, and made by, and subject to the approval of, an unaffiliated third party lender. All loans subject to approval pursuant to standard underwriting criteria. Cash advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

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 approval is subject to various underwriting criteria. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days.

4. Loan amounts range from $200 - $2,000 in every state except California. The minimum and maximum loan amount in California is $2,500.


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.