Cash Central Loan Review 2020 - Full Guide | Credit Raters
Last updated: 18th Jan 2020

Cash Central Review


Cash Central is a US-based direct lender offering a wide range of short term loan solutions to help you take care of life’s emergencies.

With a stoic commitment to delivering outstanding customer service, same day cash deposits and transparent borrowing fees, Cash Central loans bring a wealth of benefits to the American lending market.

Some of the options offered by Cash Central include:

  • Payday loans
  • Instalments loans
  • Title loans
  • Lines of credit

In this Cash Central review, we’ll take a closer look at the types of short term loans available along with their eligibility requirements and step by step instructions on how you can apply for Cash Central loans today.

Also Check: ACE Cash Express Loans Review

Cash Central In Numbers

As with almost all loans like Cash Central, the type of loan you apply for coupled with your state of residency will determine how much you’ll ultimately be able to borrow. Although this can make it tricky to offer a wholly accurate guide to loan prices across each state, here are some indicative figures for Cash Central loans according to their website.

Cash Central Loan Type Credit Amount Loan Length Indicative Interest Rates
Cash Central Payday Loans $100 – $1,500 Up to 1 month 150% – 450%
Cash Central Instalment Loans $300 – $5,000 6 – 24 months 125% – 180%
Cash Central Line Of Credit $400 $648.85 611%
ACE Cash Express Instalment Loans $500 -$1,500 Ongoing 150% – 240%

Key Features Of Cash Central Loans

Loans like Cash Central bring a host of unique benefits to the market, including some of the most competitive payday loan rates on the market.

Of course, there’s no one size fits all when it comes to short term lending, so it’s well worth taking a quick look through our pros and cons before deciding if they’re the right lender for you.

  • Competitively priced against similar short term loans
  • Confidential online service
  • Get a decision in seconds and funds in minutes (if accepted by 7.45pm EST Mon – Thur)
  • Only available in 24 states
  • No deposits available Friday – Sunday


The amount due will be taken from your checking account electronically on each of your scheduled repayment dates. The exact amounts due and the dates will be listed on the credit agreement sent to you before finalising your loan.

The first step is to get in touch with Cash Central loans as soon as possible. They offer a range of payment options that can help you to avoid falling behind on repayments, including a one time courtesy extension to help you get back on your feet.

Yes. As a responsible, regulated lender, Cash Central will use a range of criteria, including your credit score, to assess your suitability for each of their products.

Eligibility Criteria

No matter what the purpose of your loan might be or your financial circumstance, there are some basic eligibility criteria that all credit applicants need to fulfill in line with US law. For loans like Cash Central, the most common of these include, but are not limited to:

  • Being a permanent US resident living in an eligible state
  • Having a US checking account in your name with an active card facility
  • Being at least 18 years of age when you apply (21 in some states)

You’ll also need to make sure you’ve got your Social Security Number to hand as well as information about your income and employment to provide as part of your application.

Also Check:

State Availability

All of the Cash Central loans offered online are legally registered and licensed in 24 states. They’re always looking to add further states so check back if loans like Cash Central are not currently eligible in your state of residence.

The states in which Cash Central loans are currently offered include:

Alabama Nevada
Alaska New Mexico
California North Dakota
Delaware Ohio
Florida Oklahoma
Hawaii South Carolina
Idaho Tennesse
Louisiana Utah
Minnesota Washington
Mississippi Wisconsin
Missouri Wyoming

Customer support

It’s so important to ensure that you deal with a company that puts its customers first and the good news is that Cash Central boasts a huge range of customer support options.

As well as their direct support e-mail at, they also have a Live Chat option online through their contact us page.

Cash Central By Telephone

You can contact Cash Central toll-free on 1-800-460-4305 seven days a week. Their customer service opening hours are:

  • 08:00 – 22:00 (Mon – Thursday)
  • 08:00 – 20:00 (Friday)
  • 11:30 – 20:00 (Saturday)
  • 14:00 – 20:00 (Sunday)

Cash Central Address

If you need to write to Cash Central or visit their office in person, you can contact them at:

  • Cash Central
  • Community Choice Financial
  • 6785 Bobcat Way #200
  • Dublin
  • OH 43016

How To Apply With Cash Central

Applying for Cash Central loans takes just a few short minutes. Take a look below at our step by step guide to getting your application underway with loans like Cash Central.

Complete some basic personal and security information about you and your circumstances to open your online account with Cash Central.

Step 1

Once your account has been created, it’s over to you to provide some final information about the loan you’re looking for, your employment situation and checking account details.

You’ll then receive an instant online decision and, if accepted, funds can typically be deposited into your account within just 24 hours.

Step 2

Cash Central Review – Conclusion

The major strengths of Cash Central lie in their competitive pricing and wide array of short term loan options. Loans like Cash Central are fairly common in the marketplace, but it’s unusual to be able to access all of them at such low rates, all under one roof.

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