Installment Loan Requirements
Applying for an installment loan at ACE does not affect your FICO® Score.†
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.
You:
Are 18 years of age or older.
Reside in the state you choose for your installment loan application.
Have a valid Social Security Number or Individual Taxpayer Identification Number.
Have a valid and active email address.
Are reachable by phone for application information verification purposes.
Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.
Provide proof of an active bank account that has been open for at least one month.
Are not currently a debtor in a bankruptcy case, nor intend to voluntarily file for bankruptcy relief.
Are not 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 a dependent of any such member.
If you have more questions, please refer to our Installment Loans FAQs or our Customer Service page.
You:
Are 18 years of age or older.
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.
Provide proof of a bank account that has been open for at least one month. Debit cards or pre-printed checks may be accepted in your state as proof. Contact your local stores for details. Acceptable documents may vary by state.
Are not currently a debtor in a bankruptcy case, nor intend to voluntarily file for bankruptcy relief, where applicable.
Are not 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 a dependent of any such member.
If you have more questions, please refer to our Installment Loans FAQs or our Customer Service page.
Apply Now
The installment loan application process is hassle-free, takes just a few minutes, and you’ll receive an instant decision.2
Start your online installment loan application
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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
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.
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.†
