Last Updated: 04/18/2025
Cash Central Payday Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -58
Strongly not recommended24 total votes
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Highlights
Community Rating
Strongly not recommended
Key Takeaway 3
N/A
Amount Range
$100 - $2,000
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Fee
$15 - $540
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Minimum Monthly Income
$600
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Number of Reviews
Cash Central Payday Loans Review
Cash Central Payday Loans is offered by Direct Financial Solutions, a direct lender founded in 2005 and based in North Logan, UT. Cash Central Payday Loans are available in 22 states.
Cash Central Payday Loans FAQ
What rates and fees does Cash Central Payday Loans charge?
Cash Central Payday Loans offers advances with fees ranging from $15 to $540. These loans are meant as a short-term source of credit but if you calculate the annualized percentage rate of those fees you get rates ranging from 214.61% to 2463.75%.
How much cash can you access from Cash Central Payday Loans?
Advances start at $100 and go up to $2,000 depending on how much you qualify for.
What is the maximum term you can get with Cash Central Payday Loans?
Direct Financial Solutions offers avances with a maximum term of 35 days.
What do you need to qualify for Cash Central Payday Loans?
Cash Central Payday Loans does not have or does not disclose a minimum annual income eligibility requirement.
Does Cash Central Payday Loans run credit checks?
No, Cash Central Payday Loans will not run your credit with the three national credit reporting agencies (Equifax, Experian, and TransUnion).
What is the estimated funding time for a cash advance via Cash Central Payday Loans?
Cash Central Payday Loans will typically approve (or deny) applications within hour and fund the cash advance as soon as 1 business days of approval.
Is Direct Financial Solutions a legit company?
Direct Financial Solutions was founded in 2005, it is a well-established company that has been in business for 21 years. Cash Central Payday Loans is strongly not recommended by SuperMoney community users.
Cash Central Payday Loans Disclosure: Ohio Residents: in Ohio loans are arranged by Cash Central of Ohio, LLC, CS900178 a registered Ohio Credit Service Organization (CSO). CSO is not a lender. Loans are provided by unaffiliated third-party lender NCP Finance Ohio, LLC pursuant to the Ohio Mortgage Loan Act, O.R.C. §§ 1321.51 et seq.
Texas Residents: in Texas loans are arranged by Cash Central of Texas, LLC, 16283-59168 a licensed Credit Access Business (CAB). CAB is not a lender. Loans are provided by unaffiliated third-party lender First Financial Loan Company, LLC pursuant to the Texas Finance Code, Chapter 393.
Mississippi Residents: Mississippi loans are provided by CCF of Mississippi, LLC, a lender which also provides other loan products at retail locations in Mississippi under business names other than Cash Central, please call 1-855-920-9800 for details on other loan products provided by CCF in Mississippi.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Cash Central Payday Loans
Message from our editor
What we love about Cash Central loans
Getting cash fast isn't always easy, especially if your credit isn't stellar. Cash Central is an online lender that offers both payday and installment loans to those who need money now. The application process is fast, and eligibility requirements are easy to meet. If you qualify, you could get your loans funded as soon as the next business day.
What could Cash Central loans do better?
The fees, including an origination fee in some states, and interest rates are expensive. Plus, Cash Central is not available in all states.
Cash Central backstory
Cash Central is an online lender that offers a fast application and quick funding process. The lender is a member of the Community Financial Services Association of America, an organization designed to promote laws that protect consumers from predatory lending practices.
The Verdict
Cash Central offers personal loans with multiple repayment options and fast funding. However, the loans have expensive fees and high interest rates, so they should only be considered as a last resort when you have exhausted cheaper alternatives. If you are in the market for a payday loan, Cash Central is a fast and reliable source of cash, but there are often less expensive options available. Even if you're in a hurry to get cash, a little time spent doing research can make a big difference.
Other Services by Direct Financial Solutions
Personal Loans
Rating not yet determined (1 Review)
SuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -58, or 1.8 on a 5-point rating scale.
-58
-1000+100
No one recommends
Everyone recommends
Cash Central Payday Loans Community Reviews
Would you recommend Cash Central Payday Loans to your friends?
ST
Suzanne T.
Oct 8, 2021
May or may not recommend
Good place for emergency cash needs. Would recommend them to you.
Freddie P.
Aug 2, 2019
May or may not recommend
Yes.but.i tried to refinance to 2 payments. And it didn't happen. Can u tell me why
.
Greg R.
Mar 8, 2019
May or may not recommend
This company is a fraud. I recently discovered that I was a victim of identity theft and immediately contacted cash central since it was the company used to commit the fraud. They responded by sending me specific instructions on what to do which involved police reports and an affidavit. It was all done just like I was asked and they responded by telling me that it's all resolved. ...Show More
Homer J.
Nov 26, 2018
May or may not recommend
great when you need cash up too 300 payback next month
YC
Y C.
Aug 30, 2018
May or may not recommend
Very high interest rate. One of the highest. You pay ten times what you borrow.
AQ
Amy Q.
Jun 13, 2018
May or may not recommend
They do not care about people who are trying to get on there feet. No one cares about trying to help a struggling mother trying to keep her place and feed her family they do not care at all. Now o might get kicked out because they do not care at all. Do not keep them in business at all.
U
Anonymous
May 3, 2018
May or may not recommend
I filed BK In 2015, included Cash Central, and the refuse to do further business with me. You can re-establish car,house and etc neutral not them....
Amanda H.
Apr 2, 2018
May or may not recommend
I enjoy your services. I have been having trouble with your app. Every time I try to log in it tells me my password is wrong. Then I have to request to change it. I can get in then ,but next time I have to change it. Also some time it ask “make a payment then next time it won’t show up. Or it will say call customer service. I ...Show More
U
Anonymous
Mar 18, 2018
May or may not recommend
Do NOT use ANY payday or small loans that have over 25% interest.... why would you want to pay back 15k- 20k for a $5000 loan, you'd be lucky if they put over $20 towards the principal... remember, "their Interest" always comes first...
U
Anonymous
Jan 25, 2018
May or may not recommend
They approved. Next day no money indicating that they suspected a fraudulent activity. They are unreliable.
Shereace H.
Nov 2, 2017
May or may not recommend
I literally wish I could rate your company a 0 stars. You are the worst. Your corporate representative Shawna should be put down (as in a dog) she is deplorable and a poor excuse for your corporate department. But seeing as though birds of a feather flock together, she had to learn her belligerent mannerisms from someone. Please keep in mind that we (your customers) pay your bills. Without ...Show More
U
Anonymous
Oct 14, 2017
May or may not recommend
Very poor customer service. KIA was very Rude and when i asked to speak to her supervisor she hangs up on me. Forget about emails too, they NEVER answer you back..
U
Anonymous
Sep 8, 2017
May or may not recommend
There's nothing lower than 1 so I'll start there. By far the WORST customer service ever! Called their number no answer more than 30 minutes got tired of waiting, send them e-mails no response! I can bet one thing if you are 1 day late on a payment they will call you and e-mail you forever. I can't believe they are in business!
CA
carolyn A.
Jul 26, 2017
May or may not recommend
Cash central have been a blessing to me, I applied online and the next day, the money were in my account, they were fast and professional customer service!!!! THE best loan I have ever had!!!!Thank you, Central Cash, I am a forever customer, and will gladly tell others about your company. Carolyn Arrington
Michelle D.
Jul 25, 2017
May or may not recommend
Please do not use this service. You can't get a hold of anybody. They will not answer you in their online chat nor emails. And yet they will email you to tell you that they are taking your money out. Again, be warn. Do not use this company. There are other places to go to but do not use this company at all.
LP
Laurie P.
Jul 20, 2017
May or may not recommend
They lied to me and said 24 months at 5,000 loan would be 230.00 a month. The website says 534.00 a month with aprs as high as 1,000 percent interest. Dont give them your bank acct info!
U
Anonymous
Jul 18, 2017
May or may not recommend
I applied & got approved but because of a mistake i made on my online app the loan didn't process so in order to get the loan i was told to send my info in.when i called to verify I didnt take the loan of the 2-3 times i called, i did not like the fact every time i called, only one rep, a woman by the name of Taylor ...Show More
U
Anonymous
Oct 21, 2016
May or may not recommend
I took out a loan in July of 2015 and I have made 16 payments on time. I called to find out why only a small amount was being applied to the principle because according to my calculations the contract says 24 months and maturity date 06/2017 I should only have 8 payments left but the representative tells me I have 13!!! Really!!!! I will not do ...Show More
U
Anonymous
Sep 10, 2016
May or may not recommend
seriously if you get this loan you are a bonehead! The interest rate is 180% or higher which should be completely illegal. My husband signed up for one and I can not understand how this company is allowed to operate this way. I would like to take legal action, has anyone else done this with this business?
U
Anonymous
Jul 7, 2016
May or may not recommend
Made all my payment for ten month, approx $4k went to pay-off still higher then the $2.5k I borrowed. Nothing had applied to principle.
Showing 20 of 24 reviews