Signature Loans

Repay Over Time, Not All at Once

What is a signature loan?

A signature loan is an installment loan, which allows you to pay a loan over a longer period of time than a traditional payday loan.3 Signature loans at ACE allow you to repay the loan in scheduled payments that are substantially equal in amount (last payment may vary slightly). This loan can be repaid early, which may save you interest and CSO fees (where applicable). A signature loan also allows you to schedule your payments at your convenience on or before each payment due date by using either a bank account or a debit card.4 You can also pay by visiting an ACE store, by calling us, or by mailing your payment using a check or money order.

Are signature loans available in my state? How much can I borrow?

Signature loans are available online in Texas and range from $200 - $2,000. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.

What do I need to apply for a signature loan?

  • 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 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. The bank account information will be used for verification and funding purposes only. ACE will not deduct money from your bank account to make a payment unless it is initiated by you via our online payment portal or by calling customer service at (800) 996-3149.
  • You must reside in the state you choose for your loan application.
  • You must be able to be contacted via phone if verification of application information is necessary.
  • 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.

When will I receive my funds?

If approved by 6:00 PM Central Time on Monday – Friday for weekday applications, and by 2:00 PM Central Time on Sunday for weekend applications, you will generally receive the money the next business day.1,2

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.

When will the loan be due?

Signature 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.

How and when can I pay back?

You can make each payment online using our payment portal, by visiting an ACE store, by calling us at (800) 996-3149, or by mailing your payment using a check or money order.

You can schedule your online loan payment using your bank account or debit card. Please note that payments from your bank account must be scheduled for the date the payment is due. Payments from your debit card may be scheduled for any date on or before each payment due date.

Mailing Address:

Installment Loans at ACE Cash Express
1231 Greenway Drive Suite 670
Irving, Texas 75038

If mailing in payment, please give at least 2-3 business days prior to your due date for the payment to arrive.

What if I change my mind?

Loans at ACE come with a 72-hour satisfaction guarantee. So, if you change your mind about your loan, just return the principal within 72 hours and pay nothing more.

In Ohio, you have until 5 PM CT on the third business day after receiving your funds to cancel your loan. For example, if you take out a loan on Monday, you have until 5 PM CT on Thursday to cancel your loan.

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Requirements
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1. All loans subject to approval pursuant to standard underwriting criteria. 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 Financing Law. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc., 1231 Greenway Drive, Suite 600, Irving, Texas, 75038, ST.760164.000

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

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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.

  1. All loans subject to approval pursuant to standard underwriting criteria. 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 Financing Law. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc., 1231 Greenway Drive, Suite 600, Irving, Texas, 75038, ST.760164.000
  2. Loan funding requires verification of application information. Depending on ability to verify this information, loan funding may be extended up to two days. All loans subject to approval pursuant to standard underwriting criteria. In-store cash pickup is subject to approval pursuant to standard underwriting criteria. In-store cash pickup not available in all states.
  3. Signature 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 a signature loan are smaller when compared to the single-payment payday loan for the same loan amount. The total sum of payments for a signature loan will be higher than a single-payment payday loan if you pay off the signature loan according to the payment schedule set forth in the associated loan agreement.
  4. Payments from a bank account must be scheduled for the date the payment is due. Payments from a debit card may be scheduled for any date on or before each payment due date.

1. All loans subject to approval pursuant to standard underwriting criteria. 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 Financing Law. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third party lender. ACE Cash Express, Inc., 1231 Greenway Drive, Suite 600, Irving, Texas, 75038, ST.760164.000

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

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, TransUnion, Equifax, LexisNexis or FactorTrust, Inc.