Payday loan and installment loan rates vary 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.
Cash Central’s rates vary depending on the state you live in and the amount borrowed. To find the rates and terms of a Cash Central loan 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.
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.
An Extended Payment Plan (EPP) or Variable Payment Plan (VPP)* is 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 only available for payday loans. Please call Customer Service at 1-800-460-4305 to learn more. To accommodate your request, we must hear from you prior to 7:45 PM EST at least one banking business day before your loan is due.
Washington customers may have the option to convert their payday loan into an Installment Payment Plan, which allows more payments to be made over a longer term. Please contact customer service at 1-800-460-4305 for more information.
For payday loans, click Make a Payment in the Customer Section, where you can choose to have the funds withdrawn from your account.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 PO Box 535 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.
Funds are usually deposited into your checking account the next business day, if approved by 7:45 PM EST.
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.
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. In addition, you can also expect:
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.
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.
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.
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