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Cash Central payday loans review

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Cash Central Payday Loan
Min. Amount
Max. Amount
Turnaround time
1 to 2 business days


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).


  • 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.

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


Product details

Product Name Cash Central Payday Loan
Min. Amount $100
Max. Amount $5,000
Loan Term 4 to 35 days
Loan Security Unsecured
Turnaround Time 1 to 2 business days
Costs Depends on your credit history and the state you live in.
Requirements Must be 18+ years old and have a Social Security number, verifiable income, valid checking account and current phone number.

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 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. This provider allows eligible borrowers to have their approved funds loaded onto a Cash Central-provided debit card 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.

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 on your credit score.

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.

Compare alternatives to Cash Central

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Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
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Based on the amount of accrued PTO
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18+ years of age, live in eligible state, have W2 job with salary of $30k+, have PTO days accrued
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
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Finder Score: 4.1 / 5: ★★★★★
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Dave ExtraCash
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At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Finder Score: 4.2 / 5: ★★★★★
$50 to $250
1 to 3 days standard delivery or within 20 minutes with delivery fee
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.

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

Bottom line

Cash Central offers a variety of short-term loan options for borrowers throughout the US. And with the option of receiving your funds on a prepaid debit card — rather than directly into your bank account — you may be tempted to apply right away.
But there are still costs to consider. Before you sign up, compare sites like Cash Central and read up on the short-term loans so you can make a well-informed financial decision.

Frequently asked questions

Where is Cash Central located?
Cash Central’s headquarters is in North Logan, Utah.
How do I repay the loan?
Cash Central electronically withdraws the loan repayment amount along with applicable fees from your bank account on the due date.
What happens if I can’t repay the loan in time?
You can opt for an Extended Payment Plan (EPP) depending on the state you reside in, and this does not require you to pay any additional fees. You can also refinance your loan, in which case you will have to pay additional fees.
Can I repay the loan before the due date?
You can, and you can make payments online using your bank account details.
Can I apply if I have poor credit?
You can, but you should be able to demonstrate an ability to repay.

Are payday loans available in my state?

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Elizabeth Finder

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September 22, 2019

Do you accept prepaid card with direct deposit on it?


Jhez Finder

September 22, 2019

Hello Shirley,

Thank you for your comment.

Upon checking, yes, Cash Central accepts prepaid cards as one of the options of receiving funds.

Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you.



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February 11, 2019

Ok hello im in need of a loan to pay my son lawyer cost but I only have a brinks all access online banking checking account can I get a loan with it.


johnbasanes Finder

February 11, 2019

Hi Christopher,

Thank you for reaching out to finder.

Yes, your Brinks all access online banking checking account would do to fill in the requirement needed to take out a loan with Cash Central. Please note as well the other requirements needed for your loan application to be processed.

Source of income, verifiable in states where required.

Two current (and valid) telephone numbers.

Your social security number.

Must be over 18

Hope this helps!



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December 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?


Joanne Finder

December 21, 2017

Hi Keith,

Thanks for reaching out.

You may check on the options for applicants getting a loan without bank accounts.

In addition, learn about prepaid debit card loans 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.



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December 16, 2017

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



December 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



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August 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.

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Harold Finder

August 13, 2017

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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