Cash Central Review


2.5 rating

Foundation Year

Office Address
5165 Emerald Parkway, Suite 100, Dublin, OH 43017

Phone number



  • Direct lender
  • Secure, reliable and licensed
  • Installment loans of between $1,000 and $5,000
  • Considers credit scores of all sizes
  • Relaxed eligibility criteria
  • Instant pre-approval
  • Pay the loan off early at any time
  • Fast funding
  • Multiple repayment terms


  • Very high APRs
  • Not available in all states
  • Origination and late-payment fees


Cash Central is a direct online lender founded in 2005 and based in North Logan, UT. The company is operated by Direct Financial Solutions. Their service is available in 22 states across the USA. Cash Central offers various types of loans to consumers with all credit ratings. The lender has been in the business for more than 10 years and has already served millions of customers. They take pride in their 24/7 customer service and easy application. No matter when you apply, you will be approved quickly and get your funds as soon as the same day or the next business day. With this company, so you don’t have to worry about scams, threats to your security or illegal fees.

What loans does Cash Central offer?

The lender offers the following loan types:

  • Installment loans;
  • Payday loans;
  • Lines of credit;
  • Title loans.

What terms and rates does Cash Central offer?

The lender offers loans ranging from #100 to $5,000 with loan fees ranging from $15 to $540. APRs for payday loans range from 214.61% to 2463.75%.

Besides, you will also need to remember about an origination fee – a charge for taking out the loan. The amount usually ranges from $15 up to $75. It is deducted from the amount you borrow. The origination fee amount also depends on the state that you live in.

How to apply for a loan with Cash Central?

Applying for loans is very easy. Go to the lender’s homepage, click on the Apply Now button, and fill out a short application. Then select the desired loan amount and lending period. You will also need to enter some basic personal information: your name, address, birth date, and phone number.

Then you will need to verify your identity by entering your social security number and your driver’s license number. Finally, you will need to enter information about your employment and income.

Once you submit your application, the system will process the information you provided. If you are eligible for a loan, you will see a pre-qualification message on your screen. Review the APR rates and other applicable fees – if you agree to accept an offer, you’ll need to e-sign a loan agreement.

Typically, borrowers receive the requested finds deposited into your US checking account the next working day.

How do I qualify for a loan?

If you’re living in the eligible state, then you will also need to meet the following loan requirements.

  1. Be a U.S. permanent resident or citizen;
  2. Be at least 18 years;
  3. Be employed and have a regular income;
  4. Have a social security number;
  5. Have a checking account in your name.

How to pay a loan back?

The lender offers several repayment options: weekly payments, bi-weekly payments, or monthly payments.

In most cases, the money will be withdrawn from your checking account on the due date specified in the agreement. For this, you will be asked to give your consent to an automatic money withdrawal.

Keep in mind that missing a loan payment will lead to very high fees. Cash Central typically charges the amount permitted by state lending regulations. Besides, all your missed payments will be reported to credit reporting bureaus. This means that your credit score will be affected.

If you are feeling that you will be unable to make a payment on the due date, you should always let the lender know in advance to work out a suitable solution. The company might be able to offer you a loan extension option.

Can I pay a loan back earlier?

Yes. You can repay your loan early at any time without any penalties, which is beneficial to borrowers.

Can I take a loan if my credit score is low?

Yes. Cash Central does not require you to have a minimum credit score to be approved for a loan. They do not look at your credit score when prospecting your application, which means your credit score will not be affected.

When assessing your application and determining rates, the lender will also look at the following aspects:

  • How much you are paid every month;
  • How you repaid previous loans;
  • How much money you request and for how long;
  • Whether you own your home or rent it;
  • How many debts you have.

Does Cash Central have a mobile app?

The lender has no mobile app, which means mobile users may prefer lenders who offer more convenience for mobile users.

What states does Cash Central service?

The lender services Alabama, California, Delaware, Idaho, Missouri, New Mexico, Rhode Island, South Carolina, South Dakota, Utah and Wisconsin.


Cash Central is a reliable and transparent lender that offers easy and fast loans with relaxed eligibility criteria, which makes these loans available to anyone who legally resides in the U.S, reached the age of 18 and has a job. The lender makes a decision very quickly and you can apply online anytime, even on weekends. The funds are deposited into your bank account the same day or the next day. Unfortunately, they operate in a limited number of states, and the terms and rates vary by state. So, this option is good only if you can pay your loan off very quickly and never allow delays. Use this service only in case of an emergency. In other situations, you’d better search for organizations with lower rates.


1.0 rating

Awful customer service. They lie to you

Frederick Epperson
4.0 rating

Pretty high rates for payday loans but you know in advance what you are getting into.. Used their service twice. The application process was easy and loan terms are multiple.

Shawn Monroe
5.0 rating

Easy and fast application! I applied in the middle of the night and got the funds the next day.

Misty Eilers
3.0 rating

The application is easy, but the APR is too high.

Kyle Wright
4.0 rating

No complaints about this lender. But loan amounts could have been higher, at least in California.

Michael Hall

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