Installment Loans

Name: Installment Loans
Brand: Cash Central

Sometimes a small dollar payday loan just isn’t enough to cover what you need, and this is where an installment loan might be a good option. Installment loans allow you to borrow a larger amount of money than a payday loan will typically allow and are repaid over a longer period of time. Think in terms of a mortgage or car loan, but on a smaller scale. You receive a dollar amount and then make payments on a regular basis, usually in alignment with your paydays, over time. You can find an installment loan in many retail storefronts, or online through a website like Cash Central. No matter which you choose the process will generally be the same, but with a storefront you usually walk out with cash in hand, while an online installment loan will usually deposit funds directly in your checking account.

How Installment Loans Work

An online installment loan with Cash Central is simple, quick, and easy. To apply for a Cash Central installment loan:

Fill out our 3-step application and receive an approval decision within minutes.
Request a loan that fits you and your personal situation.
Have funds deposited directly into your checking account as soon as the next business day.*
Pay your loan back in either bi-weekly, semi-monthly, or monthly payments over the course of 18 to 24 months.

To apply for an installment loan online with Cash Central you will need:

A verifiable source of income.
Valid checking account in your name.
A current (and valid) telephone number
Your social security number.
You must be at least 18 years of age. In Alabama, you must be at least 19 years of age.

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Installment Loans in Your State

Built on trust and accountability, Cash Central has deliberately chosen to only operate in states where laws support the transaction. As such, our installment loans are available in the following states:

Alabama
Delaware
Idaho
Missouri
South Carolina
Utah
Wisconsin

Uses for an Installment Loan

Installment loans help cover the cost of unexpected expenses without having to ask friends or family for money. While the fees of an installment loan are higher than most other loans, the cost is often a lot less than the fees incurred from late payments, or overdraft fees from the bank. To see the cost of an installment loan with Cash Central, check out our Rates and Terms page. Typical uses of installment loans include:

For emergency car expenses.
To bridge costs in medical or health related situations.
When a longer, more flexible repayment schedule is needed.
For any emergency expense in which a small dollar payday loan isn’t quite enough.

Repayment

With a Cash Central installment loan payments are due either bi-weekly, semi-monthly, or monthly and generally align with your pay schedule. On your due date, your payment will be automatically deducted from your checking account via an authorized electronic withdrawal. However, we understand things don’t always go as planned and there may be times when you are unable to make your scheduled payment on its due date. We’re here to help and we have payment options available. Just give us a call at 1-800-460-4305 to speak with one of our customer service representatives for more information. To ensure we have enough time to accommodate your request, please call us before 6:45 PM EST at least one day before your due date.

Benefits of an Installment Loan with Cash Central

Cash Central has been on the forefront of short-term lending integrity since day one. Despite negative publicity that occasionally swarms the payday loan industry, Cash Central takes pride in its lending approach. The choices of where to secure your loan may seem endless but here are a few things to consider as to why we may be the right choice for you:

Quick loan approval. Apply anytime and know generally within minutes if you’re approved.
Confidential 24/7 online convenience. Day or night, you can easily apply or request a loan in the privacy of your own home.
Funds the next business day.* No transfer fees and no lengthy approval process. Once approved and your contract is signed, your loan funds as soon as the next business day.
State licensed and registered. Cash Central does not skirt the law to make loans available. With state and Federal oversight, we offer loans you can trust.
Loan transparency. Review available loan amounts, APR, and loan fees BEFORE you take your loan.
Real help from real people. We want to speak to you. It’s why we have a call center staffed with friendly, informative customer service agents to answer your questions live via chat or over the phone.

An installment loan shouldn’t add stress to your situation. That’s why Cash Central strives to make online lending simple.

*When application is submitted by 7:45 PM EST. Customers entering into their first loan with Cash Central may experience a delay in loan funding.

Loan Products: Subject to state regulations, eligibility, credit check, underwriting & approval, and meet state database eligibility, where required based on type of lending product requested. All products are not available at all locations. Rates, terms and conditions apply. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision.

Customer Notice: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Alabama: Minimum age to apply in Alabama is 19. Alabama loans are provided by Insight Capital, LLC, a lender which also provides other loan products at retail locations in Alabama under business names other than Cash Central. Please call 1-800-460-4305 for details on loan products provided by Insight Capital, LLC

California payday loans are provided by CCFI Funding, LLC, a lender licensed by the California Department of Financial Protection and Innovation, pursuant to the California Deferred Deposit Transaction Law, Financial Code Section 23000 et seq.

Delaware loans are provided by CCF of Delaware, LLC, a lender licensed by the Delaware State Bank Commissioner, Delaware Licensed Lender License 023205.

Indiana consumers: Licensed by the Indiana Department of Financial Institutions as a Small Loan Lender Lic.#227.

Mississippi loans are provided by CCF of Mississippi, LLC, a lender which also provides other loan products at retail locations in Mississippi under business names other than Cash Central. Please call 1-800-460-4305 for details on other loan products provided by CCF of Mississippi, LLC.

Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Oregon payday loans are provided by Cash and Go a lender licensed by the Oregon Department of Consumer and Business Services to make Deferred Deposit Loans, NLMS Id.# 1393382.

Texas loans are arranged by Buckeye Check Cashing of Texas, LLC, 1600056494-156525, a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lenders First Financial Loan Company, LLC, or First Star Financial, LLC pursuant to the Texas Finance Code, Chapter 393. Cash Central of Texas, LLC is regulated by the Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207.

The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Approval is contingent upon successfully passing this mandatory identification confirmation.

Cash Central has updated its privacy notice. For more information, see the Consumer Privacy Notice, the Online Privacy Notice and the California Consumer Privacy Notice.