Requirements


What do you need to apply for an installment loan?1 Learn more about our requirements and apply for an online loan below. 

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. 

If you have any more questions, please refer to our installment loan FAQs or call ACE Customer Service at 877-876-2274.

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 presently 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.   

If you have any more questions, please refer to our installment loan FAQs or call ACE Customer Service at 877-876-2274.

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Have more questions about what you need to apply for an installment loan? Check out our Installment Loan Qualifications page.

Why Choose ACE for Installment Loans


Installment loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount.2 At ACE, you can choose to repay early without penalty, which may save you money on interest and fees.2 These loans may be offered in-store or online, depending on the state.   

If you’re experiencing a tough time financially, an installment loan may be able to help. Car repairs, medical bills, utility bills, and other financial emergencies can add stress to your life. Installment loans can help cover what you need so you can get back on your feet. If approved, you could have your money as soon as the next business day when applying online and immediately when applying in-store.3  

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.