Cash Central wants to help you get the funds you need when you need them, and we offer personal loans online that will do just that. Our short-term payday loans, also known as a cash advance loan, put a cash deposit from your lender directly into your checking account. In general, the due date of your loan is tied to your next pay date. When your loan is due, we automatically access your checking account via an authorized electronic withdrawal, or, if you have provided it, the debit card associated with your checking account. For alternative repayment options, please contact us.
A 17-day payday loan of $500.00 has an Annual Percentage Rate of 611.14% and a Finance Charge of $142.32.
To view additional examples of payday loan fees, select a loan amount and loan duration from the drop-down menus below. The results will be shown below once you select a loan amount and duration, and click the `Submit` button.
There is a Credit Access Business (CAB) fee of $28 per $100 borrowed. This fee compensates us for our assistance in arranging a payday loan for you.
To view a specific payday loan example, select loan amount and duration. Terms will be shown here when you click the 'Submit' button.
This is only for illustrative purposes and provides an example of a typical payday loan we offer to qualified applicants. If approved, the specific rates and terms of your loan agreement will depend on your qualifications.
| Example Loans | ||||
|---|---|---|---|---|
| Loan Amount | Term in Days | Annual Percentage Rate | Total Finance Charge (Interest and CAB Fee) | CAB Fee |
| $200 | 14 | 739.91% | $56.76 | $56 |
| $300 | 14 | 739.99% | $85.15 | $84 |
| $400 | 14 | 739.97% | $113.53 | $112 |
| $500 | 14 | 739.96% | $141.91 | $140 |
This business is licensed and registered by the State of Texas - Office of Consumer Credit Commissioner. If you have any questions or concerns we invite you to contact us at any time by calling 1-800-460-4305. If we are unable to resolve your concern you can always call the Consumer Credit Hotline or write for credit information or assistance with credit problems. Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, Texas 78705-4207, (800) 538-1579, consumer.complaints@occc.texas.gov
Late payment fee: charged the greater of $7.50 or 5% of the payment. Please note: If you cannot make your payment on the due date, please contact us as soon as possible, but at least one banking day before your payment is due.
To find out if you are eligible for a payday loan, fill out a new customer application and you'll be on the road to quick cash. If you have questions about your eligibility for a loan, learn more about payday loans, or contact us at 1-800-460-4305. Once you have been approved, sign in on the customer page and submit your request for a payday loan.
In general, the term of these payday loans is 7-18 days, although a term of up to 35 days may be available. In general, the system will set your loan due date to coincide with your next payday, unless your next payday is less than 7 days away. If you need a different due date, please call 1-800-460-4305 for assistance. Whenever possible, we suggest making your loan due date on your next payday.
Unless you’ve made other arrangements or provided a notice of termination described in your contract, on the date your loan is due, First Financial Loan Company LLC or First Star Financial, LLC will automatically withdraw the loan amount plus interest and fees from your account via your debit card. If you need an alternative method of payment, please call 1-800-460-4305.
If you do not want First Financial Loan Company LLC or First Star Financial, LLC to withdraw the total amount due, you may refinance your loan. If you refinance, you will be charged the CAB fee. We also have other options such as an extended payment plan or a courtesy move. Learn more about repayment options in our Frequently Asked Questions page, or contact our Customer Service Department at 1-800-460-4305. Please remember that if you cannot repay your loan in full on its due date, you should contact us one banking day before your loan is due.
At the lenders option refinances of your loan may be permitted. The CAB fee to refinance your loan is $28.00 per $100.00 borrowed. In addition, the refinanced loan will accrue interest at a rate of 10% annum. The CAB fee to refinance your loan will be due and payable on the original due date of the loan. We recommend paying an additional amount toward the principal balance to reduce the amount of CAB fees you will pay for refinancing your loan. We must receive your refinance request before 7:45 PM EST, one banking day before your loan is due.
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