Frequently Asked Questions (FAQ)

• How much will it cost?

  Installment Loan: Installment Loan costs vary based on loan term and interest rates. View an example loan and its costs.

  Payday Loan: 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: 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: 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.

• 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?
  View licenses by state .

• 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 the state's financial regulations. If your state does not allow the refinance option, we can offer you a courtesy extension. You may also be eligible for an extended or variable payment plan . Please call 1-800-460-4305 for more details.
• What if I can’t make my scheduled payment on my due date?

  View repayment options:

• 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.

• How do I pay my Payday loan back?
  The total amount due is electronically withdrawn, directly from your checking account, on your due date. For alternative repayment options, please contact us.
• How do I pay my Installment loan back?
  Your loan is paid back in the same way it was deposited. If your loan is current, the scheduled amount due is electronically withdrawn, directly from your checking account, on your due date. If your loan is not current, please call us at 1-800-460-4305. For alternative repayment options, please contact us.
• What if I can’t pay my loan back on the due date?

  We can offer you several payment options that may meet your needs.

  Just need a little more time? Process your courtesy extension which will move your loan payment to a later due date.

  Variable or Extended Payment Plan*.

  You may be eligible for a no-cost repayment plan which will divide the amount due on your loan into multiple payments. These payment plans typically do not exceed four payments and are usually available once per year. Not available for all products or states. Please call customer service at 1-800-460-4305 to learn more.

  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 to reduce the finance charges you will pay on subsequent due dates. You must complete your refinance request on our website prior to 7:45 PM EST one banking business day**** before your loan is due. By refinancing your loan, you will pay more interest than if you pay your loan in full on the original due date. To learn more about this option 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.

  To learn more about available payment options or for any questions, please contact us at 1-800-460-4305.

  Washington customers may have the option to convert their payday loan to an Installment Payment Plan, which allows more payments to be made over a longer payment term. Please contact customer service at 1-800-460-4305 for more information.

  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

• Can I make a payment or pay my loan before the due date?

  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.

• Can I make a payment to reduce my principal?

  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 PO Box 535 Dublin, Ohio 43017.

• How will any prepayments to my Installment Loan be applied?
  Any prepayment will first be applied to outstanding fees and interest, and then towards principal. Any prepayment will not relieve you of your obligation to make your next scheduled payment.
• What methods of payment does Cash Central accept?

  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.

  • Log in and make or schedule a payment through your Cash Central account.
  • Call us at 1-800-460-4305 to make or schedule a payment with a customer service representative.

  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
  Dublin, OH
  43017
  

• What if I have poor credit?
  We often loan to people who have had past credit problems. The best way to find out if you are eligible for a Cash Central loan is to fill out a new customer application. Once you have been approved, sign in at the Customers Section and submit your loan request. For eligibility questions or to learn more about how installment loans work or how payday loans work feel free to contact us.
• 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.

• 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 customerservice@cashcentral.com. Please include your residential addresses and email address associated with your Cash Central account in the body of your email.

• 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.

• How do I enable JavaScript?

  For optimal viewing of CashCentral.com, we recommend your browser support JavaScript 1.2 or higher. Enabling JavaScript (a type of web script used in most applications) is a simple process you can complete in just a few mouse clicks and will allow you to complete the Cash Central application.

  Instructions to enable JavaScript for Internet Explorer, Firefox, Safari or Chrome are available.

• 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 have forgotten it. If you can't remember your email address, please contact Customer Service at 1-800-460-4305.
• 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. In addition, you can also expect:

  • 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 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".*

  EMAIL:
  

  • Enter your email address on our opt-out page, and click "Next".

  OR
  

  • Click on the unsubscribe link in any Cash Central email and follow the steps described above.

  OR
  

  • 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.

  PHONE CALLS
  

  • 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.

• 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.

• Terms and Conditions

  PRIVACY POLICY

  Users are advised to text the keyword JOIN1 to the short code 55670 to opt-in to receive recurring Cash Central Account Notifications.

  Message and data rates may apply. Recurring monthly messages

  Participating Carriers: All U.S. Based Carriers.

  *Messages may be delayed or undelivered for various factors. Cash Central, carriers (including, but not limited to, T-Mobile) and any service providers utilized by Cash Central to send messages are not liable for delayed or undelivered messages.

  For support or information on Cash Central Account Notifications, reply HELP at anytime to 55670 or call 1-800-460-4305.

  To opt-out of Cash Central Account Notifications, reply STOP at anytime to 55670.