Below are the specifics of by loan product:

Payday loans

Payday loans are for smaller amounts and are generally accompanied by short repayment periods, ranging from two to four weeks. They’re designed for small financial emergencies and have high APRs, which vary by your state of residence.

Installment loans

Even if you have less than perfect credit, you may qualify for an installment loan between $1,000 and $5,000. Loan terms are generally 24 months, with payments remitted on a bi-weekly, semi-monthly, or monthly basis. However, interest rates and repayment periods depend on your state of residence.

Lines of credit

Cash Central only offers lines of credit in Kansas at this time. The amount you are approved for, along with the terms, will depend on your income, creditworthiness, and other unique factors taken into consideration during the loan application review process.

Credit limit increases are an option for select customers in good standing. Furthermore, payment history is sometimes reported to the credit bureaus, so you can boost your credit score by responsibly managing the account.

Unfortunately, a grace period does not apply so interest will start accruing as soon as funds are drawn from the line. Once you’ve paid the outstanding balance, you’re free to close the line of credit.

Title loans

Title loans from Cash Central range from $100 to $25,000. The amount you qualify for will be determined not only by the value of your car but the amount you can comfortably afford to repay. And since the loan is secured by collateral, which is your car, no credit check is required.

However, the car must be free of any liens and you must have ownership of the title and active, valid insurance. APRs and repayment terms for title loans vary by state.

If you’re considering a Cash Central loan product, it’s best to confirm you meet the following criteria before applying:

• Over 18 years of age
• Social security number
• Verifiable source of income
• Active checking account in your name
• Contact information, including two working telephone numbers
• Not an active duty military member or spouse/dependent of someone who’s classified as such (for lines of credit only)

You should also gather employment, banking and identifying information so you’ll be prepared to send it right over if requested by the representative processing your loan application.

When you apply and are approved, you’ll be able to select the most suitable loan product for you. The application process usually takes five minutes or less, and you’ll know in seconds if you’re approved. And in the event you decide you no longer want the loan, you have until the following day at the close of business to return the proceeds without incurring any penalties or fees.

The loan disbursement schedule for Cash Central is as follows:

• Next business day if the loan is approved and processed Monday through Thursday by 7:45 pm EST
• Monday if the loan is approved and processed Friday through Sunday by 7:45 pm EST
• Tuesday if the loan is approved and processed after Sunday at 7:45 pm EST

*Note: If this is your first time doing business with Cash Central, processing and disbursement delays are highly likely.

Customer service representatives are standing by to assist you via phone or live chat at 1-800-460-4217 during the following hours:

• 8:00am-10:00pm EST: Monday through Thursday
• 8:00am-8:00pm EST: Friday
• 11:30am-8:00pm EST: Saturday
• 2:00pm-8:00pm EST: Sunday

You can also send an email using the online contact form (or to [email protected]) or submit a written request to Cash Central/Community Choice Financial, 6785 Bobcat Way #200, Dublin, Ohio 43016.