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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