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FINANCIAL PEACE OF MIND IN JUST A FEW CLICKS
That's right, you're just a few steps away from getting the payday loan you need from Cash Central in as little as 24 hours.* Applying is quick and simple and the loan process is fast and confidential. Simply begin the application at left and click “continue”. You'll then fill out the information necessary to fund your loan, if approved, the very next business banking day. Whether for bills or emergency expenses, you can gain financial peace of mind today with a Cash Central payday loan! If you're already a customer, simply click the “Customer Sign In” button and enter your username and password. *Next business banking day if requested by 7:45 PM EST

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DISCLOSURE POLICY

APR Disclosure

Typically, for a Cash Central loan, the APR ranges from 304.17% to 1825%. The cost of a Cash Central loan varies depending on the state you live in. To find out the fees in your state, please visit our fees page here.

Renewal Policy

Refinancing allows you to extend your loan due date by paying only your original loan fees at the time of your scheduled repayment date. In states where applicable, Cash Central offers the option of refinancing your payday loan. To learn where payday refinancing is available, please visit our fees page here.

Implications of Non-Payment

Cash Central offers refinancing on your loan as an alternative to non-payment (see our page for details). If you know you won't be able to repay on your due date, please contact us immediately. You may be eligible to refinance, but we must receive your request call by 7:45 PM EST the banking day before your loan is due in order to process a refinance request. If you make no refinance request, and fail to pay the balance when due, your loan will be in default. Subject to applicable state laws, Cash Central provides an Extended Payment Plan (EPP) for Customers who are unable to repay a loan. You [the customer] may opt into an EPP if you are unable to repay your loan when due. Any outstanding fee will be included in the amount subject to EPP. You must elect the EPP option by close of business on the last business day before the loan due date by calling Cash Central at 800-460-4305. To elect an EPP, you must sign an amendment to your loan agreement reflecting the new payment schedule. You may pay the transaction balance in four equal payments coinciding with your periodic pay dates. We will not begin collection activities while you are under an EPP as long as you meet all obligations under the EPP. There is no charge for you to enter into an EPP. However, if you default on an EPP, we may charge you an EPP fee and accelerate payment on the balance remaining. All terms of EPPS are subject to applicable state law.
  • Fees
    If you fail to repay your loan and do not make other arrangements, you may be responsible for additional fees, interest and collection costs.
  • Collection Practices
    Cash Central abides by applicable Federal and State law in our collection of outstanding loans. Although we are a first party creditor we do conduct ourselves according to the spirit and principals of The Fair Debt Collection Practices Act and treat our customers fairly and respectfully in all phases of the lending process, including collections.
  • Potential Impact to Credit Score
    If you are unwilling to resolve a past due balance in a timely manner with Cash Central, we may report a negative credit reporting to a national credit reporting agency.

State Licenses, Registration & Compliance

Cash Central understands your concerns as a consumer and the importance of responsible lending. We abide by the applicable laws and regulations in those states in which we operate. Further, we remind our customers that payday loans should be used for short term needs only, not as a long term financial solution. Customers with credit difficulties should see credit counseling.

Contact Information

Cash Central (1-800-460-4305)
5165 Emerald Parkway, Suite 100
Dublin, OH 43017
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Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Alabama: Minimum age to apply in Alabama is 19. Alabama loans are provided by Insight Capital, LLC, a lender which also provides other loan products at retail locations in Alabama under business names other than Cash Central. Please call 1-800-460-4305 for details on loan products provided by Insight Capital, LLC

California payday loans are provided by CCFI Funding, LLC, a lender licensed by the California Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, Financial Code Section 23000 et seq.

Delaware loans are provided by CCF of Delaware, LLC, a lender licensed by the Delaware State Bank Commissioner, Delaware Licensed Lender License 023205.

Indiana consumers: Licensed by the Indiana Department of Financial Institutions as a Small Loan Lender Lic.#227.

Mississippi loans are provided by CCF of Mississippi, LLC, a lender which also provides other loan products at retail locations in Mississippi under business names other than Cash Central. Please call 1-800-460-4305 for details on other loan products provided by CCF of Mississippi, LLC.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Oregon payday loans are provided by Cash and Go a lender licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id.# 1393382.

Texas loans are arranged by Buckeye Check Cashing of Texas, LLC, 1600056494-156525, a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lenders First Financial Loan Company, LLC, or First Star Financial, LLC pursuant to the Texas Finance Code, Chapter 393. Cash Central of Texas, LLC is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

Cash Central has updated its privacy notice. For more information, see the Consumer Privacy Notice, the Online Privacy Notice and the California Consumer Privacy Notice.