Background
Cash Central is a leading online lender specializing in short-term financial solutions, including payday loans and installment loans. The company is known for its fast approval process, straightforward application, and commitment to transparency and customer service. Cash Central is operated by Insight Capital, LLC and serves as a direct lender, handling the entire loan process from application to funding and repayment.
History
Founded in the early 2000s, Cash Central has grown to become a prominent name in the online lending industry. The company has built its reputation on providing accessible credit options for individuals who may not qualify for traditional bank loans, with a focus on responsible lending and compliance with state and federal regulations.
Types of Loans and Fees Charged
Payday Loans: Short-term loans typically due on the borrower’s next payday. Loan amounts and terms vary by state. For example, a 14-day payday loan of $255 in California has an APR of 459.88% and a finance charge of $44.98.
Installment Loans: Loans repaid over multiple scheduled payments, with loan amounts and terms varying by state. Installment loans are available only in states where permitted by law.
Repayment Options: Borrowers can repay via ACH from their checking account or by debit card. There are no transfer fees for funding, and early repayment is allowed.
Interest Rates & Fees: Rates and fees are disclosed upfront and vary by loan type, amount, and state regulations. All terms are available for review before accepting a loan.
Locations
Cash Central operates exclusively online, providing services to eligible customers across the United States. The company does not have physical retail locations.
States Where Loans Are Offered and Not Offered
Available States: Cash Central operates in multiple states where short-term lending is permitted by law. Product availability and terms vary by state.
Unavailable States: Loans are not available in states with strict payday lending regulations or bans. Applicants can check eligibility during the application process.
How to Contact Cash Central
Customer Service Phone: (800) 460-4305 or (800) 460-4356
Customer Service Email: [email protected] or [email protected]
Headquarters: 5165 Emerald Parkway, Suite 100, Dublin, Ohio 43017
Additional Address: 2312 E Trinity Mills Rd., Suite 100, Carrollton, TX 75006
Website: www.cashcentral.com
Customer Service Hours (EST):
Monday–Thursday: 8:00 AM – 10:00 PM
Friday: 8:00 AM – 8:00 PM
Saturday–Sunday: 12:00 PM – 5:00 PM
Live Chat: Available 24/7 on the Cash Central website
Cash Central offers a secure, confidential, and user-friendly platform for customers to manage their loan applications and accounts online.
