Apply for an installment loan online with ACE Cash Express today. We give you an instant decision1 and if approved, you can possibly receive cash today or have it deposited overnight.2 

Need a quick loan with an extended repayment period? ACE offers installment loans online in certain states, giving you an easy way in those states to apply for a loan that may fit your needs better than a traditional payday loan.3 ACE installment loans offer a quick qualification decision and a regular repayment schedule, helping you lessen your financial stress. 


Can I get an installment loan? 


Installment loans are a great option when you need a short-term loan with an extended payment period. Before completing our simplified online installment loan application, it’s important to learn more about the minimum qualifications. Anyone is free to apply for a loan! You can read through the requirements outlined below. 


Qualifying Requirements 


Age & Location 

To qualify for an online installment loan, you must be at least 18 years old. You must also live in the state you choose for your online loan application.  


Income & Employment 

While you don’t need to be employed to qualify, you do need to demonstrate your ability to pay back the loan, such as income from self-employment, disability, retirement, or another recurring income source.  


Collateral & Fees 

We do not require or accept collateral or application fees for our loans. 


Military Service 

ACE does not offer loans to: members of the Army, Navy, Marine Corps, Air Force, or Coast Guard currently serving on active duty under a call or order that does not specify a period of 30 days or fewer; or members of the reserves (including National Guard) on active duty.  We also do not offer loans to dependents of the foregoing members.     



If you and your spouse each apply for a personal loan with an installment payment plan, you must each meet the requirements. If you are both approved, we will treat you as individuals and offer separate loans to each person. 


Payments and Cancellations 

Once you know more about the qualifications, it’s also important to understand everything involved with our online installment loans.   


Payment Installment Deadlines 

With an online installment loan, your payment dates will follow your pay schedule. The number of payments and length of your repayment term will depend on your pay frequency. If we approve your loan, you will have an opportunity to review your repayment schedule prior to signing your loan agreement.  


Making Payments 

We offer several payment options for those receiving an online installment loan, including: 

  • A direct transfer of funds from your bank account on your payment due date  
  • Payments made in-store by your due date, excluding Delaware and Idaho  
  • Loan Payments made online by your due date  
  • Check or money order payments sent through the mail 5 business days before your due date 
Early Payments 

If you fully repay your loan early, you may save money on interest and fees, only incurring interest and fees through your repayment date.  



We offer a 72-hour satisfaction guarantee, so you’re free to return the principle within 72 hours without incurring fees or interest by calling us at 1-866-223-2214 to cancel the loan. 


Can I apply for an online installment loan? 


We offer online installment loans in a limited number of states. If you reside in one of the states listed below, you may be eligible for a loan within the minimum and maximum amounts specified for each location:  

  • In California, ACE no longer offers installment loans. Apply for a payday loan up to $255. 
  • Delaware: $100 - $2,000 loans
  • Florida: $100 - $1,000 loans 
  • Missouri: $100 - $2,000 loans 
  • In Ohio, ACE no longer offers installment loans online. Visit a store to apply in person. 
  • Texas: $100 - $2,000 loans 


If you reside in one of these locations, you can easily apply for an online installment loan in just minutes by completing our electronic installment loan application. Requirements include:  

  • Must be 18 years old 
  • A valid Social Security Number or Individual Taxpayer Identification Number 
  • A valid email address 
  • Source of income 
  • Reside in the state you get your online loan 
  • A checking or savings account that’s at least one month old 
  • A reliable phone number for information verification 

Once you’ve completed your application, we’ll let you know quickly if you qualify for an installment loan.1 If you’re approved, you may be eligible to pick up cash at your local ACE Cash Express store  or choose a next business day deposit to your account.2