Lender
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.

4.1
(15 Ratings)

Credit Central Account Review

Advertiser Disclosure

How To Login in Credit Central Account?

To log in to your personal account on Credit Central's website and pay your bill online, please follow these steps:

  1. Go to Credit Central's website.
  2. Click on the "Pay Online" button located on the top right corner of the homepage.
  3. You will be directed to the payment portal page. Enter your email address and password in the respective fields provided.
  4. Click on the "Sign In" button to access your account.
  5. Once you are logged in, you can make your payment online by following the instructions provided on the website.

If you have forgotten your password, you can click on the "Forgot Password" link on the login page to reset it.

Key Features

Credit Central is a consumer finance company that offers a range of financial products and services to customers. Here are some key features of the company:

  1. Installment loans. They allow customers to borrow a specific amount of money and pay it back in fixed monthly payments over a set period of time.
  2. Online payment options. The company provides customers with the convenience of paying their bills online through their website. Customers can log in to their accounts, view their payment history, and make payments online.
  3. Simple application process. Applying for a loan with Credit Central is a simple and straightforward process. Customers can apply online or in person at one of the company's branch locations.
  4. Fast approval. The company aims to provide fast approval for loan applications, with most applications being processed within 24 hours.
  5. Competitive interest rates. Credit Central offers competitive interest rates on its loans, making them an attractive option for customers who are looking for affordable borrowing options.

How To Register an Account?

Credit Central provides a convenient and hassle-free process for applying for loans, either online or at one of their branch locations. To apply for a loan, you will need to provide your personal information, such as your name, address, phone number, Social Security number, employment details, and income documentation. If necessary, you may also need to submit additional information or documentation to support your loan application. It's important to review the loan terms and interest rates carefully before submitting your application, and to make sure you understand the repayment terms and obligations. Once your loan is approved, you will receive the loan agreement and terms to review and sign. After signing the agreement, you will receive the funds, which can be deposited directly into your bank account, issued as a check, or provided as cash, depending on your preference and the loan type.

Keep in mind that the loan terms and interest rates may vary depending on several factors, such as your location, loan type, and creditworthiness.

Step-by-step Registration

Here are the steps to register for a personal account with Credit Central:

  1. Go to the Credit Central website.
  2. Click on the "Pay Online" button located on the top right corner of the homepage.
  3. Click on the "Sign Up" button located under the login fields.
  4. Fill out the registration form with your full name, last 4 digits of your Social Security number, birthdate, zip code, email address, and create a strong password.
  5. Review the Terms and Conditions carefully and make sure you understand them.
  6. Click on the "Sign Up" button to complete the registration process.
  7. You will receive a confirmation email with a link to activate your account. Click on the link to activate your account.
  8. Once your account is activated, you can log in and manage your account, view your payment history, and make payments online.

It's important to note that you will need to have an active Credit Central account to register for the online account. If you do not have an account with Credit Central, you can apply for a loan and create an account during the application process.

How Do Credit Central Loans Work?

Credit Central is a finance company that provides personal installment loans to individuals. Here is how the loans generally work:

  1. Application. To apply for a loan, you will need to provide your personal information, employment details, and income documentation. You can apply for a loan online or in-person at one of Credit Central's branch locations.
  2. Application review. Once you submit your application, the company will review it to determine if you meet their loan requirements. They may also check your credit history and other financial information to assess your creditworthiness.
  3. Approval. If your loan application is approved, you will receive a loan agreement and terms to review and sign.
  4. Funding. After you sign the loan agreement, the funds will be disbursed to you. The funding method may vary depending on the loan type and your preference. Credit Central may deposit the funds directly into your bank account, issue a check, or give you cash.
  5. Repayment. The repayment period for installment loans is typically fixed, meaning you will make a set number of payments over a set period of time. The interest rate and repayment terms may vary depending on the loan amount, repayment period, and your creditworthiness. You will need to make regular payments on time to avoid late fees or other penalties.

It's important to note that Credit Central's loan terms and interest rates may vary depending on the state in which you live, the type of loan you choose, and your creditworthiness. Be sure to review the loan agreement and terms carefully before signing to ensure that you understand the terms and conditions of the loan.

Loan Funding Times

The loan funding times at Credit Central may vary depending on several factors. In general, the company aims to provide fast loan approvals and disburse funds as quickly as possible.

If you apply for a loan in person at one of Credit Central's branch locations and your application is approved, you may be able to receive the funds on the same day. However, if you apply for a loan online, it may take a few business days for the funds to be deposited into your account.

Who Are Credit Central Loans For?

Credit Central loans are designed for individuals who need financial assistance and may not have access to traditional banking services. These loans can be used for a variety of purposes, including unexpected expenses, home repairs, medical bills, and car repairs.

The company offers installment loans to help customers meet their financial needs. They are repaid in fixed monthly payments over a set period of time.

Credit Central loans may be suitable for individuals who have a poor credit history or limited credit options. The loan terms and interest rates may vary depending on the state in which you live, the type of loan you choose, and your creditworthiness. However, the company aims to provide loans with fair and transparent terms, helping customers improve their financial stability and access to credit.

How To Delete an Account?

If you have a personal account with Credit Central and wish to delete it, you can contact their customer service department to request account closure. You can fill out the online form on their website.

When you contact customer service, you may need to provide your account information, such as your name, account number, and email address, to verify your identity. Once your identity is verified, you can request that your account be deleted.

It's important to note that deleting your Credit Central account will not cancel any outstanding loans or payments that you owe. You will need to continue to make payments on any outstanding loans until they are fully paid off, even if you have closed your account.

Additionally, deleting your Credit Central account may impact your ability to access certain services or features on their website, such as online payment processing. Before you delete your account, make sure that you have reviewed all relevant information and have taken any necessary actions to ensure that your account closure will not have unintended consequences.

How To Reset a Password?

If you have forgotten your password for your Credit Central account, you can reset it by following these steps:

  1. Go to the Credit Central.
  2. Click on the "Pay Online" button located on the top right corner of the homepage.
  3. Click on the "Forgot Password" link located under the login fields.
  4. Enter the email address associated with your Credit Central account.
  5. Click on the "Submit" button.
  6. Check your email for a password reset link from Credit Central. Follow the link to reset your password.
  7. Enter a new password and confirm it.
  8. Click on the "Save" button to complete the password reset process.

If you don't receive the password reset email from Credit Central, check your spam or junk folder. If you still can't find the email, contact their customer service for further assistance.

FAQ

Does Credit Central service its own loans?

Credit Central services its own installment loans, which means that there's no need to worry about your installment loans being sold to a third party that might make the repayment process harder.

How Do I Contact Credit Central?

There are several ways to contact Credit Central if you have questions or need assistance:

  1. Fill out the online form on their website. This form can be found on their website's "Contact Us" page, allowing you to send a message directly to their customer support team.
  2. Visit a branch location. Credit Central has numerous branch locations throughout the United States, and you can visit one of these locations to speak with a representative in person.

How Do I Activate My Credit Central Account?

If you have recently registered for a Credit Central account, you will need to activate it before you can log in and access your account. Here's how to activate your account:

  1. Check your email for a confirmation message from Credit Central. This email will contain a link to activate your account.
  2. Click on the activation link in the email. This will take you to a page on the Credit Central website.
  3. Enter your login information, including your email address and password.
  4. Click on the "Activate" button to complete the account activation process.
  5. Once your account is activated, you can log in to your Credit Central account and access all the features available to you.

If you did not receive an activation email from Credit Central, check your spam or junk folder. If you still can't find the email, contact their customer service for assistance.

Why Can't I Access My Credit Central Account Online?

There could be several reasons why you are unable to access your Credit Central account online. Here are some possible causes and solutions:

  1. Incorrect login credentials. If you are unable to log in to your account, double-check that you are entering the correct email address and password associated with your Credit Central account. If you have forgotten your password, you can reset it using the "Forgot Password" link on the login page.
  2. Account inactivity. If you have not accessed your Credit Central account for an extended period of time, your account may have been deactivated. Contact their customer service to reactivate your account.
  3. Technical issues. If there are technical issues with the Credit Central website or server, you may be unable to access your account online. Try clearing your browser cache and cookies or accessing your account from a different browser or device.
  4. Account suspension. If your account has been suspended or closed due to a violation of Credit Central's terms and conditions or suspected fraudulent activity, you will need to contact Credit Central customer service to resolve the issue.

If none of these solutions work, contact Credit Central customer service for further assistance. They can help troubleshoot the issue and provide guidance on how to access your account.

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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.

4.12
(15 Ratings)
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Credit Central reviews 2024
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4
Pros
I contacted Credit Central for a payoff amount and stated that I was sending the check on the same day, well before the payment due date on the 25th. I actually mailed it on the 20th, but now they are claiming I owe an additional $34 and are refusing to accept my payoff check.
Complain
4.4
Pros
Wonderful individuals to collaborate with, always ready to assist. As long as you make your payments, you'll have a peaceful experience with them, and the only time they might contact you is for a courtesy call.
Complain
1.2
Cons
The service from the staff was extremely disappointing. The manager would promise one thing, but when you called back, he was nowhere to be found. The rest of the staff seemed unaware of what was happening. I would advise taking your business elsewhere, where you won't have to deal with false promises and being repeatedly told they'll call you back, only to never follow through.
Complain
4.6
Pros
The staff is truly amazing! They display patience and won't make your life difficult if you fall behind, unlike many other loan companies. I highly recommend!
Complain
2.6
Cons
I won't be dealing with Credit Central anymore. Initially, I used their services to boost my credit, making every payment on time. However, during my last payment, they double charged me. Despite having evidence of this in their system, I had to provide a bank statement months ago. The account should have been closed and marked as paid in full, but I just noticed today that they still have me listed as having a late payment, even though I paid off the loan and their system had double charged me, requiring a refund.
So, I returned with a new bank statement to resolve the issue. The man I spoke to acted as if I didn't know what I was talking about, despite having my statement as proof. He mentioned that I had ignored their calls and letters, but I pointed out that they didn't have my phone number, and I hadn't received any letters. I was not happy with how he treated me. Fortunately, the matter is now resolved, but this was my second time working with them, and I won't be doing it again.
Complain
4.2
Pros
Credit Central is an excellent choice for obtaining a loan. Their rates are reasonable, and the staff is exceptionally friendly. If I ever require another loan, I wouldn't hesitate to use their services again.
Complain
4.4
Pros
The staff is consistently friendly and readily available to address any questions I may have. The ladies always wear warm, welcoming smiles, making it a great place to do business.
Complain
4.6
Pros
I recently faced some personal challenges that led me to secure a loan with Credit Central. Just before my first payment was due, I encountered difficulty in making a timely payment to the office. I reached out to the manager, who discussed my situation with me in a considerate and non-pressure manner, which I truly appreciated. I've found this company to be flexible and willing to collaborate with me while maintaining a high level of professionalism.
I want to emphasize that they didn't coerce me into taking a loan; it was my decision, and I take full responsibility for keeping them informed about my situation, which I've consistently done, receiving excellent customer service in return. If the need arises in the future, I would gladly do business with this company again, once my current loan situation is resolved. I'm thankful that Credit Central is there to support me without causing any undue stress. Looking back, I wish I had discovered this company earlier, as my previous experiences with other companies fell short of my expectations, but Credit Central has exceeded them. Thank you very much!
Complain
4.4
Pros
This is a great destination for obtaining a loan. The staff is truly the best. They comprehend your challenges and are always ready to lend a helping hand whenever you need assistance.
Complain
4.2
Pros
This is an outstanding place to seek a loan. The staff is exceptionally helpful and well-informed. Even when I need to make a late payment, they consistently assist me in finding a reasonable solution.
Complain
Company rating
4.1
/ 5
15 reviews
Application
4.1
Support service
4.1
Mobile App
4.3
Service quality
4.1
Your satisfaction level
4.0
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