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Rating by Finanso®

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.

Credit Central's account


Credit Central has a very rudimentary customer portal that doesn't allow for much customization and flexibility. However, you can make payments and keep track of your loan.

How to register an account

Registering an account is not possible without applying for a loan. Once you click on the Apply for Loan button on the main page, you will be taken to a separate page that asks you to input your zip code so that you can easily verify additional details at the nearest branch. Once you select the nearest branch and fill in the required information, including your SSN, residential, financial, and employment details, your installment loan application will be submitted for review. Only after that there's an option for you to create an account.

How to reset a password

If you want to reset your password, you need to enter your email address in a special form. The company will send you a letter with further instructions on how to set up a new password.

How to delete an account

Account deletion is not possible through the website. You will have to contact the company's customer support staff in order to request the account's termination.


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 sign up with Credit Central?

First, you have to have your photo identification and SSN at the ready. There are three different ways that you can sign up with Credit Central, including over the phone, over the web, and at a local branch.

Can I apply for Credit Central online?

It's possible to apply for any kind of installment loan with this company via their Internet portal. In order to finalize the process of obtaining your Credit Central loan, you will, however, have to visit one of their branches.

Financial products

Credit Central
Installment Loan
Rating by Finanso®

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™
depends on the state

Effective interest rate on the product

depends on the state

Loan term for the financial product

depends on the state

What to focus on before applying for a loan with Credit 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 Credit 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 Credit Central’s reviews by September 2022
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