Have a question? We have listed some common questions we get asked below. If you have additional questions, please contact your local Credit Central branch.  

Credit Central offers traditional short term installment loans that vary in amount and terms based on the state of operation. An installment loan is a loan that is repaid over time with a set number of equal scheduled payments.

We have three easy ways that you can apply! With your photo ID and social security number on hand, select one of the following three ways to apply:

No, we do not make payday loans as they are a different credit product. Credit Central offers personal installment loans.

We believe that everyone should have the chance to get the credit they need. While we do take credit history into account during the approval process,  it is still possible to get a loan* from us even if you have a damaged credit score. Contact your local branch or start your loan online today!


*Approvals and loan amounts subject to our credit standards; dollar amounts vary by state.

Our loan amounts vary by state.  Find the branch closest to you to learn more about their loan sizes.

Payments vary depending upon the amount and term of the loan. Due dates are monthly and depend on the first payment due date. If you have any questions regarding your payment amount or due date, your local Credit Central branch staff will be happy to assist you.

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

We offer tax return preparation services all year! To learn more about our tax preparation, please visit our taxes page.