Installment Loan: Installment Loan rates vary from lender to lender. Our rates and terms can be found here.
Payday Loan: Payday loan rates vary widely from lender to lender. Be sure to shop around to find a loan that suits you. Some may advertise low rates, but add on hidden fees and undisclosed roll-over costs and some who say they're "low" are actually "high". Cash Central's rates vary by the state you're borrowing in. To find out the rates and terms in your state, please visit our rates and terms page.
We're glad you asked. At Cash Central, you can expect:
Additional information may sometimes be necessary for approval. NV residents: verification of income is required by state law.
The out of pocket cost to refinance is your original loan’s finance charge. The finance charge will depend on the amount you borrow and state in which you live. Not all states allow for refinancing. Our Rates and Terms page details the finance charges for your state and desired loan amount.
View repayment options:
The amount (or availability) of refinance options varies by state. To discover how many refinances are available or if your state law allows refinances, visit our Rates and Terms page and look under Repayment Options.
Utah Residents Only: A payday loan may only be refinanced (or rolled over) for a maximum of 10 weeks after the day on which the loan was executed.
North Dakota Residents only: A payday loan may only be refinanced (or rolled over) for a maximum of 60 days after the day on which the loan was executed.
Nevada Residents Only: A payday loan may only be refinanced (or rolled over) a maximum of 90 days after the day on which the loan was executed.
We can offer you several payment options that may meet your needs.
Just need a little more time? Process your courtesy extension.
Refinance* your loan.
A refinance allows you to pay off your loan with the proceeds of a new loan. Instead of paying the full amount on your original due date, you pay the finance charges associated with the previous loan and applicable principal reduction**. We recommend paying an additional amount toward the principal balance so as to reduce the finance charges you will pay on subsequent due dates. You must complete your refinance request on our website before 7:45 PM EST one banking business day*** before your loan is due. By refinancing a loan, you will pay more interest than if you pay your loan in full on the original due date. We also have other payment options that may be available to you. To learn more about these options or making extra principal payments, see loan details or call our Customer Service department at 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us at least one banking business day*** before your loan is due.
Due to varying state laws, refinances may not be available in some states and/or all products. See the options available in your State.
Missouri residents: on the original due date, your payment will be the finance charge due plus 5% of the principal balance.
Monday – Friday, excluding Federal Holidays
We have other payment options available.
To learn more about other payment options, please contact customer service department at 1-800-460-4305.
For payday loans, click Make a Payment in the Customer Section, where you can choose to have the funds withdrawn from your account. Payments, including refinances, must be submitted by 7:45 PM EST the business banking day before your loan is due. You may also send a payment through Money Gram or Western Union.
For an Installment Loan, please call customer service at 1-800-460-4305.
Utah Residents Only: You may make partial payments, in increments of at least $5, on the principal amount of your loan without incurring additional charges, by following the above instructions or by sending a certified check or money order to PO Box 535 Dublin, Ohio 43017.
Yes. Click the “make a payment” tab in the Customer's Section. Payments, including refinances, must be submitted by 7:45 PM EST the business banking day before your loan is due.
Utah Residents Only: You may make partial payments, in increments of at least $5, on the principal amount of your loan without incurring additional charges, by following the above instructions or by sending a cashier's check or money order to 5165 Emerald Parkway, Suite 100, Dublin, Ohio 43017.
We offer several ways you can make your Cash Central payment.
ACH or Debit Card Payment. You can make a payment via ACH using your routing and account number, or with your Visa or Mastercard debit or prepaid card. There are two ways you can do this.
Western Union. To send us a payment with Western Union, use Cash Central as the biller. You will also need your account number. If you do not know your account number, please call us at 1-800-460-4305.
MoneyGram. To send a payment with MoneyGram, use Cash Central as the biller name, or our receive code is 4813. You will also need your account number. If you don’t know your account number, please call us at 1-800-460-4305.
Money Order or Cashier’s Check. You can mail in your payment with a money order or cashier’s check. We suggest sending your payment by Priority Mail. We do not accept personal or business checks. Please include your account number to ensure payment is applied to the correct account, if you do not know it, please call us at 1-800-460-4305.
Please mail payments to:
Cash Central / Community Choice Financial
PO Box 535
Loan approval is quick.* Simply fill out the 3-step application and you’ll know your approval status in moments.
At times additional information may be necessary to complete the application. Applicants from Nevada and Washington are required by state law to present certain income verification during the application process, which may lead to some minor delays.
You may rescind the Agreement before the close of the business day* following the date on which you receive the loan at no cost. Please contact customer service if you want to rescind your loan.
The time allowed to rescind a loan may vary by state law. Please contact customer service at 1-800-460-4305 for details particular to your state of residence.
Your Cash Central loan proceeds will be directly deposited to your checking account on the day you select in the application process (subject to governing state rules). When you sign your loan contract, you authorize Cash Central to direct deposit your requested loan amount into your checking account.
A Cash Central Line of Credit* is a flexible product with no minimum finance charge or annual fee. Once approved, just make your payments on time and you can draw the amount of money you need (up to your credit limit) when you need it. A Line of Credit allows you to draw only the amount you need at the time (any time) up to your available credit limit with funds deposited into your checking account the next business banking day**. You'll only pay for your Cash Central Line of Credit when you use it. Funds will begin accruing interest on the day you receive them. There is no grace period.
Line of Credit available in the following states only: Kansas
If funding request submitted by 7:45 PM EST.
Your monthly minimum payment consists of: all past due amounts, interest charges for the previous billing cycle and 5% of the principal amount outstanding as of the end of the previous billing cycle. Your monthly minimum payment will be automatically deducted from your checking account beginning approximately one month (30 days) after your first draw, unless you opt out of ACH/EFT payments. For more information, please call us at 1-800-460-4305.
When authorized, we will make automatic deductions from your checking account unless you have made prior arrangements or you make a payment and indicate to us that it is to fulfill your monthly payment obligation and not an early prepayment.
Cash Central is not a referral site. We are the lender.* While we may have received your name from a referral site you submitted application information to, we are the final lender and originator of your funding transaction.
While still helping with arranging your loan, Texas funds come from an independent Lender and Cash Central acts as a Consumer Service Organization (CSO) or Credit Access Business (CAB). Customers in other states who do not meet Cash Central’s loan criteria may be given the option to have their information, with their consent, referred to another lender.
Cash Central's goal is to provide you with instant loan approval. Apply any time and know within seconds if you’re approved. Outstanding Personal Service: Friendly, knowledgeable and ready to help—because every situation and every customer is unique. A simple process for quick money: Apply and in a few clicks have your loan fund within 24 hours*. A secure, reliable, state-licensed/registered lender: Safely apply and know you’re protected by state law. Quick help for life’s emergencies: when the unexpected happens, get help when you need it the most. Confidential 24/7 Online Convenience: Day or night, you can easily apply in the privacy of your own home.
If loan request is submitted and accepted by 7:45 PM EST, M-TH. Loan requests submitted on Friday, Saturday, and Sunday (before 7:45 PM EST) will generally fund the following Monday. Loans requested after 7:45 PM EST on Sunday will generally fund the following Tuesday. Customers entering into their first loan with Cash Central may experience a delay in loan funding.
If you'd like to stop receiving marketing emails or phone calls from Cash Central, you can quickly and easily "Opt-out".*
Once you "Opt-Out", you will be removed from the specified marketing mailing and call lists. Please allow up to 72 hours for the changes to take effect.
Due to the necessity of loan communication transactional emails are excluded from the opt-out process.
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