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An installment loan is a loan that is repaid over time with a set number of scheduled payments. Credit Central provides money to individuals who are qualified using a short application process.

With your photo ID and social security number on hand, select one of the following three ways to apply:

  • Online – Fill out our simple online application. Apply Now
  • In Person – Visit a Credit Central near you and complete an application with a helpful representative. Find a Location
  • Over the Phone – Call your closest Credit Central to speak with a caring representative who will guide you through applying over the phone.

Because Credit Central provides credit in exchange for only a signed promise to repay, we do take credit history into account during the approval process. However, it is still possible (though not guaranteed) to get a loan* from us if you have a damaged credit score. We believe that everyone should have the chance to get the credit they need.

We look and take many items into consideration, including your creditworthiness and the value of your assets, including an automobile if needed.

Our credit amounts vary from state to state. The credit amounts do not exceed the maximum amounts allowed under state law.*

Payments vary depending upon the amount and term of the loan.

Yes, we report to Equifax, Experian, and TransUnion and provide notices to our customers about this activity where required by law.

We do offer tax return preparation services. Please see the Taxes portion of the Other Services page.

Not all consumers will qualify for a loan with Credit Central.

*Approvals and loan amounts subject to our credit standards. Dollar amounts may vary.