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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Cash Central

Finanso.Multilogin™

About Cash Central

Cash Central is one of the most reliable direct lenders in the USA and was founded in 2005. The company operates in only 23 states. The work is carried out through cooperation with several retail storefronts. They are managed by affiliated Cash Central entities. Borrowers can get short-term installment and payday loans. The purpose of Cash Central payday loans and installment loans is life emergencies. Unlike other payday lenders, Cash Central tries to service loan fees transparently, and cash deposits are paid on the day of registration. Cash Central offers the following types of online loans:

  • Payday loans,

  • Title loans,

  • Installment loans, and

  • Credit lines.

Pros and Cons of Cash Central

Pros

  • The presence of a state license indicates the reliability and legality of the company.

  • The cost and timing are completely transparent.

  • Fast financing.

  • 24/7 availability.

  • Flexible payment system.

  • Bad credit loans are available.

Cons

  • High APRS.

  • The difference in the options and possibilities of lending in different states.

  • Does not work in all states.

  • In some states, refinancing fees may be too high.

Terms and Conditions of Cash Central

Depending on the state in which you are located and the amount of money borrowed, there may be a difference in rates, fees, and conditions for a Cash Central payday loan. In Cash Central, you can apply for payday loans from $100 to $2000. Keep in mind that in most states, the maximum payday loan is only $500. For loans in the amount of $100, a commission of $15 to $27 is most often taken. In some states, it is more than $30. The larger the amount of your payday loan, the lower the cost per $100. You usually have from 4 to 35 days at your disposal to repay the loan.

The annual interest rate (APR) usually ranges from 200% to more than 246% per annum, depending on the conditions you have signed. At the same time, this company does not provide transparent information about its offers, which complicates the process of choosing the most suitable loan. When making installment loans, the rates can vary from 180% to 360% per annum. This also includes the origin fee ($15 to $75). Residents of Kansas have the opportunity to apply for a credit line from Cash Central. Credit limits can be from $750 to $5000. Rates range from 150% to 264% per annum. Loans under the credit line can be taken for 12 months.

Funding a Loan

Applying for a loan through the website is simple and convenient. Open the main page of Cash Central's website to:

  • Click on the "Apply Now" button,

  • Select the amount you want to borrow and for how long,

  • Enter your full name, home address, date of birth, and phone number,

  • Go to the next page and confirm your identity. Fill in your Social Security Number and driver's license number.

  • Provide information about your income on the last page of the application. This is your employment status (full-time, self-employed), how much you get each month, the name and address of your place of work, and how long you have been working there.

After clicking on the submit button, you will receive information from the register system, which will process the information provided by you in the application. After conducting a Cash Central loan review, if a person is eligible for financing, they will see the loan offer on the screen. Check out the APR rates and other fees. In case you decide to proceed with the loan, you will need to sign a digital loan agreement to fill out the application.

Most likely, you will receive your loan on the next business day. To do this, you will have to be accepted for a loan automatically. Do not forget to carefully read and sign your loan agreement to proceed to the next stage of financing. Payment can be received only through your current account in the USA.

FAQ

What is Cash Central?

Cash Central is a company in the United States that provides personal loans and operates on an e-commerce site. These are payday loans, title loans, installment loans, and credit lines. Receiving cash is possible instantly. The loan amount in installments can be different ($300 - $5000). The borrower undertakes to make monthly payments for up to 24 months.

How much interest does Cash Central charge?

A number of different factors affect the amount of interest you pay on a Cash Central loan in installments. Firstly, the state in which you live matters. States in the US have their own laws regarding lending. In addition, your overall credit profile plays an important role in compiling your APR rates. APRs usually range from 90.38% to 703.93%. The state you belong to determines whether you will pay the origination fee. However, everyone pays the commission for the late payments.

Is Cash Central trustworthy?

Yes, Cash Central is a legitimate American company licensed in several states. It is for this reason that rates, conditions, loan amounts, and refinancing policies may vary depending on which state you live in. This online lender has membership in INFiN, a financial services alliance whose practices are recognized as the best in the industry.

Company documents

Privacy Policy
Terms Of Use

With almost half a million payday and installment loan customers, let us show you how Cash Central can help your financial situation.

© Direct Financial Solutions LLC

Financial products

Cash Central
Payday loan
Rating by Finanso®
i

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
0
300
650
1000
$300-$5,000
Rate
i

Effective interest rate on the product

up to 703.93%
Term
i

Loan term for the financial product

14-31 days

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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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$5,000 - $40,000
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$2,000-$35,000
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up to 35.99%
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
650
1000
$1,000 - $25,000
Rate
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Effective interest rate on the product

18.99% - 35.99% APR
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Loan term for the financial product

12 - 60 months

Calculate loan payments in Cash Central

Cash Central calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount
i

Enter the desired loan amount

USD
USD
300 $
5000 $
Loan term
i

Specify the loan term for the calculation

months
days
6
24

What to focus on before applying for a loan with Cash Central

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Cash Central and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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All Cash Central’s reviews by September 2022
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