Installment Loans Frequently Asked Questions

Installment loans are available online and in-store in the states below. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.²

Online

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

In-Store

• Florida: $100 - $1,000
• Louisiana: $400 - $700
• Missouri: $100 - $2,000
• Ohio: $100 - $1,000
• Oklahoma: $50 - $700
• Texas: $100 - $2,000 (installment loans not available in Austin or Dallas)
• Virginia: $100 - $1,000

The requirements may vary depending on your state, but you’ll need the following to apply:  

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.

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 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.

Installment loan payments are typically due on consecutive pay dates. For instance, if you are paid every two weeks, your due dates will be every two weeks on your pay date. The number of payments and the term (length) of the loan will vary depending on your pay frequency. You’ll be informed of the payment due dates and amounts if your loan is approved. 

Louisiana and Oklahoma customers: Please visit your store for information about number of payments and term (length) of loans. 

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