Online

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.

Store

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 presently 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.

Disclaimers

All loans subject to approval pursuant to standard underwriting criteria. Rates and terms will vary depending upon the state where you reside. Not all consumers will qualify for a loan or for the maximum loan amount. Terms and conditions apply. 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. Populus Financial Group, Inc., 300 E. John Carpenter Fwy, Ste. 900, Irving, Texas, 75062, ST.760164.000. Loans in Texas arranged by ACE Credit Access LLC and made by, and subject to the approval of, an unaffiliated third-party lender.
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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For approved in-store loans, you will receive funds immediately. For online loans, approval and funding may require 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 of online loans is subject to approval pursuant to standard underwriting criteria and only available at ACE Cash Express locations in the state where you originated your loan. In-store cash pickup of online loans not available in all states. In-store cash pickup of online loans requires valid, non-temporary government-issued identification. Online loans 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, and/or FactorTrust, Inc.