Loans at ACE Cash Express

Money when you need it most

What is an installment loan?

An installment loan allows you to pay a loan over a longer period of time 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 (last payment may vary slightly). At ACE, an installment loan can be repaid early, which may save you interest and CSO fees (where applicable).

There's a better way to borrow.

Whether you need help with unexpected bills, emergencies, or other short-term cash loan needs, ACE can help you with a loan. The requirements for a loan are as follows:

  • You do not have to be employed, but you must have a steady source of recurring income payments to ensure you will be able to repay your loan.
  • You must be at least 18 years old.
  • You must not currently be a debtor in a bankruptcy case or presently intend to voluntarily file for bankruptcy relief.
  • You must not be a regular or reserve 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 or a dependent of a member of the Armed Forces on active duty.
  • If applying in-store, we ask that you bring a valid government issued photo ID. A Social Security Number is not required.
  • If applying in-store, we ask that you bring proof of income and proof of a bank checking account. Debit cards or pre-printed checks may be accepted in your state as proof of bank checking account; contact your local store for details. Acceptable documents may vary by state.

Why ACE Cash Express?

We make it easy to obtain cash when you need it most. ACE Cash Express, Inc. is a leading financial services provider, specializing in short-term consumer loans, bill pay, and prepaid debit card services, and is one of the largest owner operators of check cashing stores in the United States. In business since 1968, ACE Cash Express focuses on serving consumers seeking alternatives to traditional banking relationships by gaining convenient, immediate access to financial services.

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ACE has more than 950 locations!

Your neighborhood ACE is just a click away. We look forward to serving you!

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ACE Offers Variety of Financial Products

Payday Loans
Installment Loans
ACE Flare Account
Prepaid Debit Cards
Check Cashing
Bill Payments
Money Orders
Money Transfers

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All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. Loans should be used for short-term financial needs only, and not as a long-term solution. Customers with credit difficulties should seek credit counseling.​ ACE Cash Express, Inc. is licensed by the Department of Business Oversight 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 Financing Law. Loans in Minnesota made by ACE Minnesota Corp. Loans in Ohio 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. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc. is licensed by the Virginia State Corporation Commission, PL-115. If applying online, loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states. Online loans not available in all states.

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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.
  1. 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.