Applying for a loan at ACE does not affect your FICO® credit score.†
† Applying will not affect your FICO® score. However, ACE Cash Express may obtain information from FactorTrust, which will be a hard inquiry and may affect your overall credit profile with FactorTrust.
1. 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 loan if you pay off the installment loan according to the payment schedule set forth in the associated loan agreement.
2. 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.
3. For online loans, approval and funding may 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 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.