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:
- Online – Start your inquiry by filling out our simple online application.
- In Person – Find a Credit Central location near you and complete an application with a helpful representative in the branch.
- Over the Phone – Call your closest Credit Central to speak with a caring representative who will guide you through applying over the phone.
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.
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.