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 PayOff

Advertiser Disclosure

The amount that you have to pay each month depends on the term of your loan, interest rate, and other previously agreed upon conditions. Due dates depend on the date of the initial payment and are monthly. In other words, you will be required to make monthly installment payments.

Credit Central offers three ways of paying back: via the phone, via the web, and at a local branch. If you want to make your scheduled payments by phone, you will have to get in touch with your local office and arrange a debit card payment. In order to pay online, you will have to create an account and then log in to transfer funds. There's a non-refundable fee of 3.5% in certain states, so you have to be careful when choosing how to do it online. The most straightforward way of paying back your installment loan is by visiting one of the offices and making a payment in person.

Early payoff

There is no clear indication of how the company will behave in case you opt to pay off your loan earlier than scheduled. The most likely scenario is that there's an option to pay the loan off earlier and that there's no prepayment penalty. All the penalties will be disclosed and listed in your loan agreement. Review it carefully before paying your loan early.

FAQ

Can I pay Credit Central with a credit card?

It's possible to pay Credit Central with a debit card in Tennessee, Alabama, and Texas. You will be required to create a web account to make payments.

Can I skip a payment with Credit Central?

It is not advised to miss out on scheduled payments with any lender, including Credit Central. The information regarding penalties for late payments and default is not available on their official website.

How do I pay Credit Central?

There are three convenient ways of paying off your Credit Central loan. You can do it online, by phone, and in person. Each method has specifics, so it's best to choose the one that works best for you.

Offers
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.

4.12
(15 Ratings)
Recommended FinScore™
0
300
650
1000
Apply
Similars products
Finanso
Personal Loans
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
2000.00 – 100000.00 $
Rate
i

Interest rate

6.34 – 35.89 %
Term
i

Loan term for the financial product

2 months – 72 months
Apply
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
100.00 – 4000.00 $
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.

4.25
(20 Ratings)
Recommended FinScore™
0
300
650
1000
to 1500.00 $
Rate
i

Interest rate

to 160.00 %
Your comment has been added
Error
Your complaint has been recorded
Invalid username or password
comment.alert.error-reg
Please log in to like/dislike
Invalid SMS code has been entered
Credit Central reviews 2024
Leave feedback
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
Similar companies
NaviRefi
123 S Justison St, Wilmington, DE 19801-5360
+1 (844) 381-6621
HESAA
PO Box 545, Trenton, NJ 08625-0545
+1 (609) 584-4480
RISLA
935 Jefferson Blvd, Suite 3000, Warwick, RI 02886
+1 (800) 758-7562
VSAC
10 East Allen Street, Winooski, VT 05404
+1 (800) 642-3177
Funding U
309 East Paces Ferry Rd. NE Suite 400, Atlanta, GA 30305