Short Message Service (“SMS” or “Texting”) Terms

Credit Central1 may send payment reminders and solicitations by SMS. SMS text messages may also include account information, notices, loan documentation, and requests for signature. These texts will only be sent after you provide prior express written consent to Credit Central. By opting to receive SMS text messages from Credit Central, you also agree to receive the messages from an automatic telephone dialing system (ATDS).


You may receive up to 10 messages per month.


Credit Central does not charge for SMS. Message and data rates may be charged by your carrier for any messages sent and received and for accessing any link within a text message. Credit Central is not responsible for these charges, nor is Credit Central liable for messages delayed or undelivered by your carrier.


SMS text messages may contain private, confidential information. Credit Central is not responsible for messages seen or heard by others. If you have any questions regarding your privacy, please read our Privacy Policy as provided on this website.

How to Opt Out or Consent Again

You may opt out of SMS at any time by replying “STOP” to any text message received from Credit Central. After you reply “STOP,” Credit Central will send one more text message to confirm you have withdrawn consent. To consent to SMS again, text “JOIN” to the shortcode.


You are responsible for notifying Credit Central when your cell phone number changes by contacting your local branch.

The SMS Terms may be terminated or modified from time to time. Credit Central encourages you to periodically review the SMS Terms to stay informed of our updates.

Credit Central can change or end this service for any reason at any time without notice.

Need Help with SMS?

For help with SMS, reply “HELP” or contact your local Credit Central branch.


1Credit Central is a trade name of Credit Central, LLC (Louisiana and South Carolina), Credit Central South, LLC (Alabama and Georgia), Credit Central of Tennessee, LLC, and Credit Central of Texas, LLC; the party referenced hereinabove as Credit Central is that entity licensed and doing business as Credit Central.

Revised July 2023