An installment loan allows you to pay a loan over a longer period of time than a traditional payday loan. At ACE, an installment loan can be repaid early, which may save you interest and CSO fees where applicable. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

Each customer is treated individually, and each spouse can apply separately for a loan. To apply online, all you need to do is fill out our simple application. ACE's paperless application process is convenient, secure and simple.

Our simplified application process allows you to fill out and sign your loan documents on your computer without the need to fax unnecessary documentation. You can also apply for an installment loan at certain ACE store locations. Just use the store locator to find a store near you, and apply in person.

If you are approved, you can walk out with cash in hand. You do not need to be employed, but you need to have some sort of income. You may be self-employed or receive income from a source other than an employer, but we will require you to have the ability to repay the loan. You may be retired or on disability. The key is to have a source of income.

You will not be charged to apply for a loan, whether or not you are approved. You will receive a decision immediately following completion of your application. If approved by 6: For verification purposes, we may need to contact you by telephone before your loan is approved. Applications received on a weekend or holiday may be verified the next business day due to bank closures. You will be notified of the loan decision immediately following completion of your application.

If you are approved, you will immediately receive your approved loan amount in cash. Installment loan payments will be due on consecutive pay periods. The number of payments and the term length of the loan will vary by pay frequency. You will be informed of the payment due dates and amounts if your loan is approved.

Colorado, Louisiana, and Oklahoma customers, please visit your store for information about number of payments and term length of the loan. While completing your application, you may choose to have a transfer of funds initiated from your bank account on the day the payment is due OR you may choose to send your payments through mail using a check or money order. Please note, you will be charged a higher fee if you choose to send your payments through mail.

Ace Cash Express Extended Payment Plan | Cash Express

If you are an Ohio customer, please refer to your loan documents for the mailing address. If mailing in payment, please give at least business days prior to your due date for the payment to arrive.

You should pay each of your installments in the store where the loan was originated with cash on or before each due date.

If you repay your loan in full at any time, you will only be responsible for accrued interest and fees on the outstanding principal through the date of repayment. Every loan comes with a hour satisfaction guarantee. So if you change your mind about your loan, just return the principal within 72 hours and pay nothing more. To cancel the loan, please send an email to internetops acecashexpress. You can also mail or deliver a signed and dated copy of the cancellation notice provided with your Credit Services Agreement, or other written notice, to:.

You will need to include your name and loan number. Once we receive your notice, we will transfer the principal directly from your bank account.

The written notice must be postmarked within 3 days of signing the contract. To cancel the loan, you must return the proceeds from your loan to the store where your loan was originated within 72 hours of receiving your loan. Depending on your state, you may also be required to sign a cancellation notice that was provided to you at the time of approval.

We make it easy to obtain cash when you need it most. ACE Cash Express, Inc. In business since , ACE Cash Express focuses on serving consumers seeking alternatives to traditional banking relationships by gaining convenient, immediate access to financial services. Depending on the state, a Credit Services Organization CSO is a company that earns compensation by, among other things, helping consumers obtain loans from a lender.

A Credit Access Business CAB is a type of CSO that helps people obtain payday and title loans from a lender. CSOs are not lenders and do not make loans. ACE Credit Access LLC is a CSO and a CAB that helps consumers obtain loans from an independent third-party lender.

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Click here to read our privacy policy. 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, FactorTrust, Inc. Box , Alpharetta, Georgia , Find an ACE Cash Express near you: Purchase transaction fee may apply, depending on which fee plan you selected. This option may not be available at all retail locations where the card is accepted. See Cardholder Agreement for details.

Refunds are at par. None of the fees shown are assessed by MetaBank or the Card Association. ATM withdrawals may be subject to varying daily limits at the ATM owner's discretion. To avoid the ATM fees, you can get cash back when making purchases using your PIN at many retailers, such as grocery stores. Applies to all Cardholders. Menu Call Log in Store. ACE Blog Customer Service ACE-CASH Log in Payday Loans Installment Loans Prepaid Debit Cards Auto Insurance Make a Payment Resolve Your Account.

A helpful associate is just a call away! Call to Apply Manage Your Online Loan Manage Your Store Loan Resolve a Past Due Account General Questions. Application Returning Customer Login Make a Payment Learn More FAQ Requirements. Installment Loans Frequently Asked Questions Get Started Now. Apply Now for an Installment Loan Please correct the following item s: State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming.

Terms, Conditions and Privacy Policy License and Rates. About Installment Loans What is an installment loan? Are installment loans available in my state, and if so, how much can I borrow? Installment loans are available online or in-store in the states below. 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 reside in the state you choose for your loan application. 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. You must provide a valid Social Security Number or Individual Taxpayer Identification Number.

You must have a checking or savings account that has been open for at least one month. You must be able to be contacted via phone if verification of application information is necessary. You must bring a valid government issued photo ID. A Social Security Number is not required. You must 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. Online To apply online, all you need to do is fill out our simple application.

In-Store You can also apply for an installment loan at certain ACE store locations. Online You will receive a decision immediately following completion of your application. In-Store You will be notified of the loan decision immediately following completion of your application. Online While completing your application, you may choose to have a transfer of funds initiated from your bank account on the day the payment is due OR you may choose to send your payments through mail using a check or money order.

Mailing Address Excluding Ohio: Installment Loans at ACE Cash Express Greenway Drive Suite Irving, Texas If you are an Ohio customer, please refer to your loan documents for the mailing address.

In-Store You should pay each of your installments in the store where the loan was originated with cash on or before each due date. You will not be penalized for making an early payment. In New Mexico and Missouri, you can set up auto-pay to automate your payments.

Online To cancel the loan, please send an email to internetops acecashexpress. You can also mail or deliver a signed and dated copy of the cancellation notice provided with your Credit Services Agreement, or other written notice, to: ACE Cash Express Attn: General Counsel Greenway Drive, Suite Irving, Texas You will need to include your name and loan number. In-Store To cancel the loan, you must return the proceeds from your loan to the store where your loan was originated within 72 hours of receiving your loan.

Application Apply online in minutes and get an instant decision. Licenses and Rates View our state license and short term lending rates. FAQs Find answers to common questions about online loans. Login Manage your existing online loan account by logging in. More Information More details about how to use online loans.

Requirements View our minimum requirements for being approved for a loan. All loans subject to approval pursuant to standard underwriting criteria.

How Payday Loans Work | ACE Cash Express

Rates and terms will vary depending upon the state where you reside. 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. Loans in California are made or arranged pursuant to Department of Business Oversight California Finance Lenders License. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender.

Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.

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.

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In addition to the one or more no-cost bill payment methods made available through third-party service providers, a full range of options and applicable fees appear at the Site.