Cash Central payday loans review December 2018 |

Cash Central payday loans review

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Get a payday loan from Cash Central, and look forward to accessing approved funds quickly

Cash Central is a state-licensed online lender and a member of the Community Financial Services Association of America (CFSA) and the Consumer Financial Protection Bureau (CFPB).

This direct lender provides different types of loan offerings, including payday loans, installment loans and lines of credit. Applying for a Cash Central loan requires a simple online process, and you can expect access to approved funds quickly.

Product NameCash Central Payday Loan
Min Loan Amount$300
Max. Loan Amount$5,000
Loan TermVaries by state
Loan SecurityUnsecured
Turnaround Time1–2 business days
CostsDepends on your credit history and the state you live in.
RequirementsMust be 18+ years old and have a Social Security number, verifiable income, valid checking account and current phone number.


  • Quick, easy process.
  • Use money for any purpose.
  • Easier repeat borrowing.


  • Maximum loan amount varies by state.
  • Loan may not available in all states.
  • You may pay late fees.
  • Source of income, verifiable in states where required.
  • Valid checking account in your name.
  • Two current (and valid) telephone numbers.
  • Your social security number.
  • Must be over 18

States where Cash Central offers loans:

  • Alabama
  • Alaska
  • California
  • Delaware
  • Florida
  • Hawaii
  • Idaho
  • Kansas
  • Louisiana
  • Minnesota
  • Mississippi
  • Missouri
  • Nevada
  • New Mexico
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

If you don’t live in one of these states be sure to look elsewhere for a short-term loan.

Types of loans from Cash Central

  • Payday loan. You can take out a cash advance and have the funds deposited into your bank account, usually by the next business day. Typically, your loan is due in full on your next payday. The APR for a short-term loan can be higher than 600%, so carefully review the terms and conditions before agreeing. Loan amounts are determined by Cash Central’s underwriting criteria in combination with your state’s laws.
  • Installment loan. Unlike payday loans, Cash Central’s installment loan does not have to be repaid in full on your next payday. Installment loans are repaid monthly, semi-monthly or biweekly over a period of 6-24 months. They generally have a lower APR than payday loans but are still significantly higher than traditional loans. Loan amounts can be up to $5,000 depending on your state’s laws and regulations.
  • Line of credit. A line of credit allows you to draw only the amount you need at the time (any time) up to your available credit limit, with funds deposited into your checking account the next business banking day. You’ll only pay for your Cash Central line of credit when you use it. Funds will begin accruing interest on the day you receive them. As with the other short-term loans, a line of credit is accompanied by a high APR.

What are the benefits of a Cash Central payday loan?

  • Quick and easy process. Completing and submitting the application takes no more than a few minutes, and Cash Central informs you of the application’s status almost immediately. Upon approval, you can expect the approved funds to be transferred into your bank account by the next business day.
  • Loan funds onto a prepaid debit card. Cash Central allows eligible borrowers to have their approved funds loaded onto a Green Dot® prepaid card instead of into a bank account for added convenience.
  • Money for any purpose. You can use the proceeds from a loan for just about anything.
  • Easier repeat borrowing. Once you repay your first Cash Central loan completely, you can look forward to instant funding with applications you submit in the future.
  • Easy access to account information. When you log in to the Cash Central website, you can go through your account history, make changes to your communication preferences, make payments and even refinance your existing loan.
  • Resource center. The Cash Central resource center offers information about a range of topics that can help you handle your finances better.

The costs of a payday loan from Cash Central

The fees you have to pay depend on state specific laws and the amount of money you borrow. For example, a payday loan of $500, repaid in 14 days with a 739.96% APR, would incur a $141.91 fee, making your final loan repayment amount $641.91.

Upon your application’s approval, Cash Central gives you a loan offer document for you to review and sign. This document gives you a clear picture of all associated fees and charges. You don’t have to accept the loan if you don’t find the fees acceptable, and until you sign the document, you don’t have any obligations.

As with all short-term loans, be sure you can repay what you borrow. Late or missed payments will result in fees, higher interest rates and a possible impact to your credit sore.

Is borrowing from Cash Central safe?

Cash Central has all required state licenses viewable on their website. Cash Central is a member of the Community Financial Services Association of America (CFSA). The Consumer Financial Protection Bureau (CFPB) regulates all loans that Cash Central provides. Cash Central endorses accountability, loan transparency and fair loan transactions.

How do Cash Central payday loans compare?

Rates last updated December 19th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
1 business day
Must have direct deposit and meet minimum income requirements
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Check into Cash Payday Loan
With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
1–2 business days
You must be at least 21 and an American citizen and have a bank account, email address and phone number.
ACE Cash Express Short-term Loans
Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
Varies by state
Generally receive the money the next business day
Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

Compare up to 4 providers

How do I apply for a Cash Central payday loan?

Applying for a Cash Central payday loan is easy and takes 5-10 minutes.

Eligibility criteria:

  • At least 18 years old
  • A verifiable source of income
  • An operational checking account
  • Two valid phone numbers
  • A Social Security number
  • Reside in one of the following states: AL, AK, CA, DE, FL, HI, ID, KS, LA, MN, MS, MO, NV, NM, ND, OH, OK, RI, SC, TN, TX, UT, WA, WI, WY.

Required information:

  • Your name, contact information, date of birth and Social Security number
  • Employment-related information, like your employer’s name and phone number
  • Details about your income
  • Details about your bank account

Frequently asked questions

Are payday loans available in my state?

If you’re worried about your credit score and want to take steps to repair it, you could call The Credit Pros: Legal Credit Repair on 877-208-6484.
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6 Responses

  1. Default Gravatar
    KeithDecember 21, 2017

    I need a $300 loan asap, but do not have a checking account at the present. I am self employed. Is there a lender that could help me without a checking account? I have a Netspend card & wanted to see if a loan could be placed on it?

    • finder Customer Care
      JoanneDecember 22, 2017Staff

      Hi Keith,

      Thanks for reaching out.

      You may check this page as this will discuss options for applicants who currently do not own a checking or bank account.

      In addition, here’s a page that will discuss what to know about prepaid debit cards that can help you access your loan funds without a bank account or strong credit. You may need to confirm with the selected lender if you can use your Netspend card.


  2. Default Gravatar
    LeolaDecember 16, 2017

    I was doing my application and I did not finish up I lost it what should. Do

    • Default Gravatar
      ArnoldDecember 21, 2017

      Hi Leola,

      Thanks for your inquiry

      If you’re certain that the previous application was unsuccessful, you may go ahead and apply again for a loan. If you think the application may have gone through, it would be best to speak with the lender directly to inquire about it.

      Hope this information helps


  3. Default Gravatar
    RachealAugust 10, 2017

    I am trying to find a 1500 installment loan but have had no success. One credit place free scores and more has transition at 598 where credit sesame has 508. My credit usage is 0 and have 3 accounts against me due to divorce. I can afford payments no problem on ssd and ssi. Have been for 20 years. Can you direct me in the right direction please.

    • finder Customer Care
      HaroldAugust 13, 2017Staff

      Hi Racheal,

      Thank you for your inquiry.

      You still might be eligible for a loan if you’re unemployed. Keep in mind that lenders will need to see evidence of your ability to repay the loan and manage repayments. This could include unemployment benefits issued by the state. The options here might be helpful for you –

      I hope this information has helped.


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