Frequently Asked Questions (FAQ)
Have a question? Check out our FAQ list. If you have a question you'd like to see added, please let us know
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How much will it cost?
Installment Loan costs vary based on loan term and interest rates. View an example loan and its costs.
The cost of a payday loan varies, depending on the state you live in, the amount borrowed and term. View rates and terms in your state.
What do other lenders charge?
Installment Loan rates vary from lender to lender. To view an example installment loan with Cash Central and its costs, view our rates and terms page.
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.
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How does Cash Central compare to other lenders?
Cash Central is a state licensed lender or arranger of credit. That means it's legal for us to loan in your state. We lend legally and ethically with fully disclosed rates and the customer service to back it all up.
What is Cash Central doing to be a responsible lender?
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. Customers with credit difficulties should seek credit counseling.
What are the benefits of using Cash Central?
We're glad you asked. At Cash Central, you can expect:
- Quick Loan Approval*
- Outstanding Personal Service
- A Simple Process for Quick Money
- A Secure, Reliable and State-Licensed Lender or Arranger
- Quick Help for Life’s Emergencies and Confidential 24/7 Online Convenience
Additional information may sometimes be necessary for approval. NV residents: verification of income is required by state law.
Where are you located?
While Cash Central is headquartered in 5165 Emerald Parkway, Suite 100, Dublin, Ohio 43017 we offer loans in a large number of states.
Do you offer payday loans in my state?
Cash Central does not loan in all states. To find out if we do loan in your state, please visit our State License and Registration
page and select the state you live in.
How do I view the license in my state?
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How much does a refinance cost?
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.
What is a refinance?
A refinance allows you to revise your payment schedule for repaying your debt. Refinancing allows you to pay only the finance charge on your original loan and subsequently enter into a refinanced loan agreement. In some states a portion of the principal is required to be paid as well. By refinancing a loan, you pay more over the life of the loan than would have otherwise been paid if the original loan had been paid in full on its original due date. The refinanced loan will have the same costs as the original loan did, assuming there is no additional principal added. Cost detail can be found in the Truth in Lending Disclosure boxes located on your loan contract. Refinances must be submitted by 7:45 PM EST the business banking day before your loan is due.
What if a refinance is not available in my state?
Cash Central is a state licensed lender or arranger. We loan in accordance with state's financial regulations. If your state does not allow the refinance option we can offer you a courtesy extension. Please call 1-800-460-4305 for more details.
What if I can’t make my scheduled payment on my due date?
Can I pay down my principal when I refinance?
You can pay down your principal at any time of the loan and refinance period and we encourage you to do so. There may be state and product restrictions.
How many refinances can I take?
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.
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What if I have poor credit?
How long will it take to know if I'm approved?
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.
What if I request my loan on a Friday?
A loan approved on Monday through Thursday before 7:45 PM EST is usually deposited in your account on the following day. Due to bank hours and days of operation, a loan approved after 7:45 PM EST on Thursday will usually be deposited in your account on the following Monday or business banking day. Loan requests submitted on Friday, Saturday, and Sunday (before 7:45 PM EST) will generally fund the following Monday or business banking day. Loans requested after 7:45 PM EST on Sunday will generally fund the following Tuesday. Always verify the loan deposit has arrived and is available for withdrawal before writing any checks or making debits on that deposit. Customers entering into their first loan with Cash Central may experience a delay in loan funding.
What if I request my loan on a weekend or holiday when banks are closed?
Loan requests submitted on Saturday and Sunday (before 7:45 PM EST Sunday) will generally fund the following Monday. Due to bank hours and days of operation, a loan approved Sunday after 7:45 PM EST will usually be deposited in your account on the following Tuesday. Always verify the loan deposit has arrived and is available for withdrawal before writing any checks or making debits on that deposit. If a loan request is made on a bank holiday, your loan funds will usually be deposited 1-2 days after the holiday. Customers entering into their first loan with Cash Central may experience a delay in loan funding.
How do I cancel my loan?
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.
Why do I need to wait 3-4 days to get a new loan?
In many states, a waiting period is required before a customer is able to request a new loan from the same lender. In other cases, Cash Central needs to verify the original funds have cleared your bank account to avoid scheduling two loans at once.
Why are there so many places to sign?
Cash Central believes in being secure, reliable and state law compliant. As a point of assurance in your transaction, Cash Central does require several signatures. These signatures not only allow you to acknowledge your transaction, they also allow you a physical trail of your transaction. In addition, many state laws require customer acknowledgment in certain areas of the contract, for example, electronic funds transfers and refinances. All steps go toward assuring you of a legitimate and secure transaction.
Why am I asked to share my bank statement with Cash Central through the automated process?
We use the online verification process to help confirm your identity, to combat fraud and provide a safe and convenient way to verify your application. Cash Central also uses the bank account information to underwrite your application.
Getting Your Money (Funding)
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How do I receive the money?
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.
How long will it take for me to receive the loan?
Usually, if the loan request is submitted and accepted by 7:45 PM EST your loan proceeds will be deposited the next business banking day. Loan requests submitted on Friday, Saturday, and Sunday (before 7:45 PM EST Sunday) will generally fund the following Monday. Loans requested after 7:45 PM EST on Sunday will generally fund the following Tuesday. Loans requested on holidays (before 7:45 PM EST) will fund the next banking day. Customers entering into their first loan with Cash Central may experience a delay in loan funding. The timing and receipt of new and returning customer loan funds is dependent upon how your bank handles the transaction.
Can I request more than one loan at time?
No. We don't believe in getting our customers into a situation where it may be hard to repay their loan. Cash Central's core belief in responsible lending allows us to serve our customers one at a time. Once a current loan is paid, you are welcome to take another subject to state imposed cooling off and bank clearing periods.
How much can I get?
Loan amounts are determined according to our underwriting criteria in combination with state law.
How do I verify my income?
You can login
and securely upload your income verification. This is the fastest way. Or you can use a scanner or your mobile phone to capture one of the following (Please note: These documents should not be older than 30 days.)
- Official paystub.
- Official payroll receipt.
- Receipt showing payment of retirement benefits.
- Receipt showing payment of government benefits.
- Statement from bank showing direct deposit of government benefits.
After capturing one of these verification methods, please attach via email and send to email@example.com. Please include your residential addresses and email address associated with your Cash Central account in the body of your email.
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How does a Cash Central Line of Credit work?
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.
What is a Draw?
A draw is the amount borrowed (starting at a minimum of $100) up to your credit limit.
How do I obtain my funds from each draw?
We'll deposit your money into your checking account the next business banking day if requested by 7:45 PM EST. You may then access your funds from your checking account.
When is my payment due?
Your payment is due monthly. Your line of credit documents and your periodic statements will tell you your due date.
What is my monthly minimum payment?
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.
How can I increase my credit limit?
You may have the opportunity to increase your available credit limit by making all your payments on time. Please call our friendly customer service representatives at 1-800-460-4305.
How do I close/cancel my Line of Credit?
You may close or cancel your Line of Credit at any time as long as the balance has been paid in full. Please call customer service at 1-800-460-4305.
Does Cash Central report my Line of Credit history to consumer reporting agencies?
Cash Central may report your Line of Credit payment history to Experian® or other consumer reporting agencies.
How long is my Line of Credit open?
Your Cash Central Line of Credit is open indefinitely but Cash Central also reserves the right to close your line of credit or reduce your credit limit at any time.
Can I request more than one draw at a time?
While you may not request more than one draw at a time, you may request one draw per day by logging into your account requesting a draw amount from the "Loan Information" section.
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Is my loan confidential?
Absolutely. We do not disclose information about you or your loan except in accordance with our Privacy Notice
and your permission.
How do I know you’ll only withdraw the amount I owe?
Customer service is a top priority and we want to ensure your satisfaction with Cash Central. You can rest assured Cash Central complies with state laws and regulations and considers customer service priority number one!
Will you check my credit?
Cash Central independently verifies application information, through the use of a database maintained by Experian, Factortrust, and/or other applicable consumer reporting agencies. By submitting your application you authorize Cash Central to obtain one or more consumer reports from consumer reporting agencies to, among other things, verify the information supplied in your application.
There are a lot of payday loan referral sites out there. Are you one of them?
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.
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I forgot my login information. What do I do?
Your email address should be the email you used for your application and is your login. You can reset your password
. If you can't remember your email address, please contact Customer Service.
Do you have a phone number?
Cash Central’s direct line is: 1-800-460-4305.
What can I expect from Cash Central?
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.
How do I stop receiving marketing emails and/or phone calls from Cash Central?
If you'd like to stop receiving marketing emails or phone calls from Cash Central, you can quickly and easily "Opt-out".*
- Enter your email address on our opt-out page, and click "Next".
- Click on the unsubscribe link in any Cash Central email and follow the steps described above.
- Login to the Account Information section, click "Communication Preferences" tab and choose the emails you would like to stop receiving by clicking the corresponding boxes. To confirm your selection, click the "Save Selection" button.
- Login to the Customers Section, click "Preferences" tab and uncheck the call option under "Special Offers and Promotions". To confirm your selection, click the "Save Selection" button.
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.
I'm not receiving emails from Cash Central. How do I opt-in?
Subscribing to Cash Central emails is easy. If you've unsubscribed from receiving certain Cash Central emails and would like to receive them again, login to the Customers Section, click the Email Preferences tab and choose the emails you would like to receive by clicking on the corresponding boxes. To confirm your selection, click the "Save Selection" button.
Can I change my password?
You can change your password
by logging into the Account Information section and clicking the Change Password link under the Customer Information tab.
How do I opt-in or opt-out of receiving Cash Central emails?
Subscribing to Cash Central emails is easy. If you’ve unsubscribed from receiving certain Cash Central emails and would like to receive them again, login to the Account Information section, click “Communication Preferences” and choose the emails you would like to receive by clicking on the corresponding boxes. To confirm your selection, click the “Save Preferences” button. You may also follow this process to opt-out.
How do I opt-out of receiving third party emails?
If you want Cash Central to stop sending you third party offers, login to the Account Information section, click “Communication Preferences” and choose the emails you would like to receive by clicking on the corresponding boxes. To confirm your selection, click the “Save Preferences” button.
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What if my bank information has changed?
To ensure your loan payment is debited from your new checking account, your bank account information must be verified and updated before 7:45 PM EST the banking day before your due date. You can change your account information by contacting
one of our customer service representatives who will be happy to assist you.
Once I pay my loan, how soon can I get a new loan?
To apply for a new loan, we will need to verify that the final payment on your last loan has cleared your account successfully. Typically this will take three to four business days. You may be able to expedite the new loan by calling Customer Service. Once verified, you may be eligible for a new loan, however state-required cooling off periods may apply. A single payday loan is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.
CC Connect Installment Loans†
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- Who is Total Loan Services?
CC Connect provides the loan, while its authorized servicer, Total Loan Services (TLS), services these loans. This means you will maintain your loan account through TLS. Expect to receive communication from TLS on behalf of CC Connect regarding your new loan, status updates, and payment notifications.
- How Do I access my loan account?
Access your CC Connect Loan online through your TLS portal. From your online account portal, you can:
- View payment schedules
- View loan summaries and balances
- Schedule ACH payments
- Update personal and banking information
- How will I receive my funds?
Funds are deposited into your bank account as soon as the next business day.
- What do I need to apply?
You need a valid, non-expired, government-issued photo ID, proof of income, and proof of your checking account.
- How much money can I get?
CC Connect can lend as much as $2,400. Rates and fees vary depending on your area and qualified loan amount.
- Who funds my CC Connect Installment Loan†?
Installment Loans are provided by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC.
- Who is CC Connect†?
CC Connect is a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. They offer installment loans up to $2,400. Additionally, CC Connect maintains critical control of loan origination, underwriting approvals, regulatory, and compliance oversight management. Total Loan Services, LLC is an authorized servicer of CC Connect. This means you will maintain your CC Connect loan account through Total Loan Services, LLC’s customer portal. Approved loan accounts are serviced by CC Connect's authorized servicers, Total Loan Services, LLC (TLS).
- Who is Check Into Cash?
Check Into Cash, in business over 28 years, is a national leader in short-term financial services. They are rooted in communities across the nation in over 650 stores, and offer online loans also. Check Into Cash also offers check cashing, bill-pay, money orders, and other services. Not all loans and services available in all locations or online.
†Loans provided by CC Connect, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. Approved loan accounts are serviced by CC Connect’s authorized servicer, Total Loan Services, LLC (TLS). Restrictions apply.