Terms of Service
Read these terms carefully. By using our services or applying for a loan, you agree to be bound by them.
Effective Date January 15, 2026
These Terms of Service ("Terms") govern your access to and use of cashcentralapp.com, our online loan application, our customer account portal, and any related services provided by Cash Central ("we," "us," or "our"). By accessing or using the website, by applying for a loan, or by holding an account with us, you agree to be bound by these Terms.
If you do not agree with any part of these Terms, you must not use our services.
To use our services and apply for a loan, you must:
Cash Central reserves the right to refuse service, terminate accounts, or cancel applications in its sole discretion.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access. We are not liable for losses caused by unauthorized use of your account if you fail to maintain reasonable security practices.
You agree to provide accurate, current, and complete information and to update it promptly when it changes. Providing false information may result in immediate termination, collection action on outstanding balances, and referral to law enforcement.
Submitting an application does not guarantee approval. Cash Central evaluates each application using income consistency, bank-history signals, identity verification, fraud screening, and other criteria. Approval, loan amount, and APR are determined in our sole discretion within applicable state-law limits.
If approved, you will be presented with a loan agreement disclosing the amount, APR, total fees, total amount due, and the full payment schedule. Funding does not occur until you electronically sign the agreement. Funds are typically deposited via ACH to the checking account you provided.
If you accept a loan offer, the terms of that specific loan are governed by your signed loan agreement, which forms a contract between you and Cash Central. In the event of any conflict between these Terms of Service and your loan agreement, the loan agreement controls with respect to that loan.
These Terms apply to your general use of the website and account portal, while the loan agreement governs the specific lending relationship for each loan.
By using our services, you consent to receive all communications, agreements, notices, disclosures, and other documents from us electronically — by email, through your online account, by text message (if you opt in), or by any other electronic means.
You consent to the use of electronic signatures, electronic records, and electronic delivery of documents as authorized by the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state Uniform Electronic Transactions Acts. Your e-signature is legally binding and has the same effect as a handwritten signature on paper.
You may withdraw consent at any time by contacting customer service. Withdrawal may prevent you from completing transactions and may affect your ability to use our services.
By signing a loan agreement, you authorize Cash Central to initiate ACH debits from the checking account you provided for scheduled loan payments. Authorization remains in effect until your loan is paid in full or until you revoke it in writing in accordance with your loan agreement and applicable law.
Revoking authorization does not terminate your obligation to repay the loan. Alternative payment methods (debit card, money order) may be used; instructions are provided in your account portal.
Late payments, insufficient-funds returns, and missed payments may result in:
If you anticipate difficulty making a payment, contact customer service before the due date. Many borrowers qualify for a payment arrangement that avoids fees and credit-bureau reporting.
You agree not to:
All content on the Cash Central website — including text, graphics, logos, images, code, and the underlying software — is owned by or licensed to Cash Central and is protected by United States and international copyright, trademark, and other intellectual-property laws. You may not reproduce, distribute, modify, or create derivative works without our prior written permission.
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the services will be uninterrupted, error-free, or free of viruses or other harmful components.
To the maximum extent permitted by law, Cash Central, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the services, even if we have been advised of the possibility of such damages. Our total liability for any claim arising under these Terms shall not exceed the amount you paid us in the 12 months preceding the claim.
Any dispute arising out of or related to these Terms, the website, or your loan(s) shall be resolved through binding individual arbitration administered by a recognized arbitration provider (such as the American Arbitration Association or JAMS), and not by a court, except as set out below. You and Cash Central waive the right to a trial by jury and the right to participate in a class action.
Notwithstanding the above, either party may bring an individual action in small-claims court for disputes within that court's jurisdiction. This arbitration provision does not waive any rights that cannot be waived under applicable state or federal law, including rights under the Military Lending Act.
These Terms are governed by the federal laws of the United States and, where federal law does not apply, by the laws of the state in which the loan is originated, without regard to its conflict-of-laws principles. State-specific consumer-protection laws apply to loans made to residents of those states regardless of this provision.
We may update these Terms from time to time. The "Effective Date" indicates the date of the most recent revision. Material changes will be communicated by email to account holders and by a prominent notice on our website at least 30 days before the change takes effect, except where a shorter period is required by applicable law. Your continued use of our services after the effective date indicates your acceptance.
Questions about these Terms? Contact us:
Plain terms. Plain dealings.
Every loan agreement shows APR, total fees, due dates, and the full payment schedule before any signature. No fine-print games, no surprise costs after the fact.