What Do You Need to Apply for an Installment Loan?

Installment loans at ACE can offer cash when you need it most, with more time for repayment.1 An installment loan could be a helpful option for you if you need quick cash for emergencies, like car repairs, medical bills, or other unexpected expenses. 

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The installment loan application process is hassle-free, takes just a few minutes, and you’ll receive an instant decision.2

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Why Choose ACE for an Installment Loan

If you’re experiencing a tough time financially, an installment loan may be able to help. Installment loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount.1 These loans may be offered in-store or online, depending on the state where you reside.

If approved for an online installment loan,2 you may be eligible for Instant Funding to a debit card. If you are offered the debit card instant funding option and you select that option, your loan proceeds may be available as quickly as 30 minutes after loan approval and verification. Funding times vary based on your bank.3 Otherwise, you could have your funds deposited into your bank account as soon as the next business day or, if eligible, pick up cash same-day at one of our stores. If approved for a store loan, you’ll receive your funds immediately.4

Installment Loan Requirements FAQs

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.1

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.

ACE does not report the loan amount or any associated activity to traditional credit bureaus.

If approved, each borrower may only have one personal loan open at a time at ACE.

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