12 Reviews

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

  • Loans from $300 - $5,000
  • Quick funding – Often within hours
  • Confidential application process
  • Secure and licensed lender
Author  Lorien Strydom
Last updated: March 22, 2023
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Chosen 9,987 times
  • Fast Funding
  • APRs from 4.6%
  • High Acceptance Rate
  • No Repayment Penalty Fees
Chosen 13,546 times
  • Installment loans from $100 to $2,000
  • Apply with no impact to your credit score
  • Apply online or instore across 850 branches
  • Easy application process
Chosen 31,917 times
  • Loans from $250 - $35,000
  • Repayment terms from 6 - 72 months
  • Access to hundreds of lenders
  • APRs from 5.99%

Cash Central Review


  • Quick funding – Often within hours

  • Personal loans from $300 – $5,000

  • Loans available on weekends and holidays

  • Secure and licensed lender

  • Confidential application process

What Is Cash Central?

Cash Central provides cash loans fast. You can have your cash instantly, including holidays and weekends.

These loans can be repaid in monthly installments of up to 24 months. The installment loan amounts range from $300 to $5,000.

Founded in 2005, Cash Central operates in 23 states with several retail storefronts operated by an affiliated entity of Cash Central (e.g. Easymoney in Alabama).

>>Looking for more loan options? You can compare online lenders here

Your state will determine loan rates. There are also types of loans limited to selected States. For example, a credit line is available only in Kansas.

Payday loans are available in only 20 of the 23 states where Cash Central operates.  

Chosen 5,048 times
  • Loans from $300 – $5,000
  • Quick funding – Often within hours
  • Confidential application process
  • Secure and licensed lender

Products Offered

Cash Central offers the following:

  • Installment loans
  • Payday Loans
  • Lines of Credit
  • Title Loans

Lines of Credit

Cash Central offers lines of credit that allow you to draw the amount you need, up to your available credit limit. The funds are deposited into your bank account but come with very high interest rates.

How Cash Central Works

Cash Central is an online lender that offers installment loans from $300 to $5,000 with repayments of up to 24 months.

Payday loans are offered only in certain 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.

At Cash Central, you don’t have to wait for the next business day for approval. This is made possible through the Green Dot network – as long as your prepaid card accepts reloads from this network, you can get funded the same day.

The short-term loans from Cash Central are meant for emergencies only, as they come with relatively high APRs.

Loan Requirements

Here are the requirements when applying for a Cash Central loan:

  • A verifiable source of income
  • At least two current and valid phone numbers
  • Social security number
  • Must be 18 years or older (depending on your state)
  • A valid checking account
  • Be living in a state Cash Central offers lending in

Rates & Fees

If you take out a Cash Central loan, you can expect high APRs that can go into triple digits. This can lead to a very expensive overall loan cost and potentially trap you in a cycle of debt if you can’t repay the loan on time.

Depending on your state and the type of loan you take, APRs can typically be between 90.38% to 2,463.75%.

The state you live in will determine whether you need to pay an origination fee. But regardless of where you live, you’ll pay a fee if you’re late with a payment.

Note: If Cash Central is automatically withdrawing repayments from your bank account, it may lead to an insufficient funds fee.

Example: If you live in Idaho, you will be charged between $25 and $75 for an origination fee, depending on your loan amount.

Payment Terms

Cash Central offers loan repayment periods from four days to 24 months, depending on your state and loan type. You can set monthly, semimonthly, or biweekly payments.

Your loan repayments are done when Cash Central automatically withdraws the payment from your bank account on the due date. If you want an alternative method of paying your loan back, you’ll need to contact Cash Central.

Note: If you make early payments to your loan, the payments will be applied to any outstanding fees and interest first — and then toward your loan principal.

How To Apply for a Cash Central Loan

Step 1

Apply Online

Your first step is to visit their website and submit your details, including personal and employment information.

Step 2

Get approved

Once you’ve submitted all the details, it takes only moments to get approved. 

Step 3

Get funded

As soon as you are approved, wait for funds to be paid into your account. This usually happens fast, typically the next business day.

You can also use the Cash Central login to upload and verify your bank statements.

Chosen 5,048 times
  • Loans from $300 – $5,000
  • Quick funding – Often within hours
  • Confidential application process
  • Secure and licensed lender

Our Cash Central Review


  • High APRs and additional costs

  • Certain loan availabilities differ from state to state

Cash Central offers potentially fast loan funding, which is a benefit if you need cash for an emergency. But one of the drawbacks is that loans are not available in all states.

Keep in mind that Cash Central’s operations go by different names in different states. However, if you have bad credit and need a loan, Cash Central can be a good alternative.

Taking out a loan from Cash Central should only be for emergency expenses, and always make sure that you understand the costs as they can come with very high APRs and fees.


We found their website to be easy to use, with a lot of information available about their loans, repayment periods, and requirements. They also have a comprehensive FAQ section.

Customer Service

Cash Central offers customer service via phone and email seven days a week. They also list payment options and instructions clearly on their website.

>>Compare lending options here.


Is Cash Central a trustworthy company?

As per our review, they are a legitimate company. Rates and additional costs are all laid out on their website.

Should I take a loan with Cash Central?

As discussed, weigh up all your options, Cash Central provides fast cash, but it comes with a high APR rate. Your circumstance may deem it urgent, and therefore necessary. Lower interest rates are available elsewhere. Consider your options.

How much can I borrow?

Cash Central offers loans up to $5,000 (depending on your state).

How can I pay my loan back?

The monthly amount due is automatically deducted from your bank account every month. For alternative payment methods, you can contact Cash Central directly.

Have you had an experience with Cash Central? Be sure to leave your own review below to help others in their financial decisions when choosing a loan company.

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Reviews of Cash Central

Cash Central is rated 103 out of 316 companies in total rating and got an average review score of 1.8 based on 12 reviews. Their weakness is Interest & Costs and their strength is Support & Service.
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Marianna Sylvies 1 review | November 14, 2023
General Review
If I could give this company less than one star, I would.
The computer does not often permit you to put a second payday date into the system, so to proceed the customer needs to put the last date possible allowed by the computer. I had a loan last 4 days when it was supposed to go to the end of the month. Not only did this result in double finance fees of over 1600%, but it caused an overdraft situation with my bank. Lastly, they pull hard inquiries which cause regular hits on our credit rating. There are much better companies to use. Proceed with caution.
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Stephan Gerve 1 review | April 19, 2023
General Review
Nothing at all.
BE VERY CAREFUL! I submitted an application and then received an email link to link my bank account with them. Then I called customer service to verify the application status and they said the bank account number transmitted during the bank linking process didn't match what was on the loan application and that they wanted me to send them a bank statement. Clearly, they matched as I was able to verify to her that I had entered the right account number on the application by looking at a copy of my application. After wasting my breath yelling at this stubborn customer service rep, I asked for her supervisor and they told me the exact last four digits of the bank account number that was transmitted to them during the link process. It was completely different. Then she went on to say some BS excuse like how it may have been from my saving account or how it was transmitted incorrectly. I don't even have a savings account. I knew at that point they were scamming people or trying to do some shady stuff. DO NOT APPLY FOR A LOAN WITH THEM! DO NOT GIVE THEM YOUR PERSONAL INFORMATION!
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Tony Myers 1 review | February 23, 2023
General Review
I would recommend this company to anyone who needs a loan for a very fair fee. Customer service alone is worth the fee.
Honestly I don't ever see a downside.
Post reply
Sean Hubbard 1 review | November 2, 2021
General Review
None at all
Keep calling from some stupid fake law firm claiming they're going to sue me or whatever else then say many things to try and get me to pay them. Never heard of cash central and when I asked for verification they refused to give any claiming I'd have to do my own foot work. Law firms don't do that, they willingly send the information if you ask for it, because they know they have you. Now they keep calling saying they're going to sue me. Bull Crap company with bull crap policies.
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Scott Wheat Wheat 1 review | August 7, 2021
General Review
Thought is was a reputable company.
Payed them off. Now they say it wasn't paid and told me to contact the company that I payed, they have no info on the company and say it is my responsibility to find out. Yet they still report it on my Credit report bullshit.... and they were paid direct from my credit card. Do not use them very rude.
Post reply
Cecily Moody 1 review | May 4, 2021
General Review
No pros for this company
They are scammers they say they sent the funds to my bank but the bank they sent it to wasn’t mine.They make you believe they sent the funds but didn’t. States I have to wait 3-5 days until they bank it was sent to sends the funds back and try again.
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Jason Kendrick 1 review | February 15, 2021
General Review
Good communication, but it does seem expensive. Good for me as I needed the cash urgently. But might shop around next time.
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RebuiltSapper 1 review | December 31, 2018
General Review
My first approval was around 300 dollars as you pay off the loans the amount jumps up more and more. Along with the interest payments. *its easy to get caught in the Payday loan black hole with them.* I made a payment to refinance so I wouldn't miss the due date. I payed the months interest and was going to pay the total amount off 2 days later. When I called to do so I was going to have to pay my principal amount as well as a FULL month of interest even after paying it 2 days prior. And I was doing all this before the actual due date. They are friendly helpful and get u money fast. But it feels as if you pay it back with an arm and a leg as well. Use caution when borrowing from them. There are many more manageable companies with payment programs that wont put you in a worse spot than when u initially got the loan.
Post reply
Anne 1 review | August 31, 2018
General Review
These guys are scammer so went on Web sight it let me fill half of it out then brought me to different spot there was a number so I called she took all my info said I would get a email but not to open it as it would take me back threw sign up but they wanted to verify my account she came back said it would not verify that I had direct deposit wanted pay stub threw it all I talked to several people they all came up with different things. I relied things where not adding up then I supoedly talked to someone higher up I asked her why they needed all this info she said she wasn't sure she was not part of that process.( Rember that) I was told they need one of my bank statement I blocked all my transaction but my direct deposit I also sent pic before that because one of the people said thst would work lol now when I called her back I asked for her she said that would not work I asked her why then she gave me excuse then I trapped her up I asked her a question about why they would now all the sudden need three months earlier when I asked her how they could get the information she said when we verify we can see all your account info and ttransportation I said the bank let's you see three months she said yes. I let that go she said we won't let you get the loan with out it. Then she said I will be the one doing it all now I will do the under writing .rember earlier when she said she didn't do that and another thing to think about if they could see my bank statements why did I need to send them. All in all don't I repeat don't use them I called my bank and had them flag it
pamela_ducksonJune 24, 2021

YES they are they get your information then say some bull about about something came back as fraud so u not able to get

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Gwendolyn Dixon 1 review | March 8, 2018
General Review
The service was bad. They claim to have sent the loan amount to my bank. They never sent it to my bank. When I called them back today Cash Central stated that they received the funds back. On one of my documents someone put in the wrong account and routing numbers. Those numbers were placed there by someone, not me. Then they said that I must have typed in the wrong numbers. I cancelled the loan. Don't get a loan from them!
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