Regulatory Disclosures
Federal and state law require lenders to make specific disclosures before you sign a loan agreement. This is ours.
Effective Date January 15, 2026
Cash Central is a state-licensed direct lender of small-dollar payday loans and installment loans. We originate, fund, and service every loan ourselves. We are not a broker, lead-generator, or marketplace. Your application is reviewed by Cash Central and Cash Central alone, and any loan you receive is owned and serviced by Cash Central.
Cash Central has been making loans since 2005 and has served more than 1.2 million customers. We are BBB A+ accredited and registered with the Consumer Financial Protection Bureau (CFPB).
Every Cash Central loan agreement includes a complete Annual Percentage Rate (APR) disclosure as required by the federal Truth in Lending Act (TILA). The disclosure appears before you electronically sign the agreement and includes the APR, finance charge in dollars, total amount of payments, amount financed, and full payment schedule.
APR is the cost of credit expressed as a yearly rate. For short-term loans, APR can appear very high because it annualizes a fee that is meant to be paid back in two weeks. For example, a $15 fee on a $100, 14-day loan equates to an APR of approximately 391%, even though the actual dollar cost is only $15.
Cash Central complies with the federal Truth in Lending Act (15 U.S.C. § 1601 et seq.) and Regulation Z. Before you sign any loan agreement, you will be presented with a "Federal Truth in Lending Disclosure" that prominently displays:
These disclosures appear on the loan agreement screen before any signature is captured. You may close the page at any time without obligation.
Cash Central offers two primary loan products, with availability and maximum amounts varying by state:
Specific products, maximums, and APR caps are determined by your state of residence. You will see the products available to you after entering your address in the application.
Cash Central is licensed as a consumer lender in 22 U.S. states. Each state regulates short-term consumer lending under its own statutes, which set maximum loan amounts, maximum APRs, allowed fees, rollover rules, cooling-off periods, and disclosure requirements. We comply with the law of the state in which you reside at the time of loan origination.
You can verify our state licensing through each state's banking or consumer-finance regulator. The footer of our website lists the regulatory authorities for each state in which we operate.
Federal law provides important protections to active-duty members of the Armed Forces, reservists called to active duty, and their dependents (collectively, "covered borrowers"). To ensure your protection under the federal Military Lending Act (MLA):
Some Cash Central products may not be available to covered borrowers because their costs would exceed the MAPR cap. The application will identify and apply MLA protections automatically when applicable.
Cash Central does not typically perform a hard credit pull from the three major credit bureaus (Experian, Equifax, TransUnion) on most applications. Instead, we use alternative consumer-reporting agencies — primarily Clarity Services and FactorTrust — to verify identity and assess credit risk. These inquiries are reported as soft inquiries and generally do not affect your standard FICO score.
Cash Central reports installment-loan payment performance (both on-time and missed payments) to those alternative bureaus. Payday-loan performance is not typically reported. Defaulted loans referred to a third-party collection agency may be reported to one or more of the major credit bureaus by that agency, separate from Cash Central's reporting.
Each loan agreement clearly discloses the consequences of non-payment. In general:
Cash Central complies with the federal Fair Debt Collection Practices Act (FDCPA) in all collection activities, and we follow state law where it provides additional protections. We do not threaten legal action we do not intend to take, we do not contact you at unreasonable times, and we do not disclose your debt to third parties except as permitted by law.
State law governs whether and how a short-term loan may be renewed, rolled over, or refinanced. In states where rollover is permitted, the maximum number of rollovers and the cooling-off period are set by statute. Cash Central does not encourage rollover as a means of managing an unaffordable loan. If you anticipate difficulty repaying, contact customer service before the due date to discuss available payment arrangements; many borrowers qualify for assistance that avoids fees and credit reporting.
Federal law and the law of many states provide a short window after a loan is funded during which you may cancel the loan without penalty by returning the full borrowed amount. The exact window for your loan is disclosed in your loan agreement — typically by the close of the next business day after funding.
To exercise this right, contact customer service immediately and follow the instructions in your loan agreement. Returning the funded amount within the rescission window cancels the loan and any associated fees.
Cash Central is committed to protecting your personal financial information. As a financial institution under the federal Gramm-Leach-Bliley Act, we provide an annual privacy notice describing what information we collect, how we use it, and the choices you have. Our full Privacy Policy is available at privacy-policy.html.
We do not sell your personal information to third parties for their marketing purposes.
Questions about your loan, your account, or the disclosures on this page:
To file a complaint with a regulator: the CFPB, your state's banking or consumer-protection department, or the Better Business Bureau.
Plain disclosures, every time
Every Cash Central loan agreement displays APR, total fees, total amount due, and the full payment schedule before any signature is captured.