NorthWestern Financial Review

Credit Central

Credit Central Overall rating: ★★☆☆☆ 2.1 based on 9 reviews.
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Online Payday Personal Consumer Loans up to $5,000

Easy Application, Fast Processing, Quick Approval, Any Credit Score

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Credit Central is a finance business based in Greenville, South Carolina. They have over 107 branches located through Alabama, Georgia, South Carolina, and Tennessee. It is an installment loan provider and not a payday lender. They also offer optional products that include credit-related insurance. Their credit amounts vary from state to state.

Company name Credit Central, LLC
Founded 2002
Address 700 E North St Ste 15 Greenville, SC 29601-3013
Phone number (864) 242-4422

Credit Central


  • Quick process
  • Experienced lender
  • Additional services
  • Builds credit
  • Potencially fast funding
  • Three ways to apply to get a loan
  • Bad credit ok
  • Direct lender
  • Referral program


  • Limited availability
  • Limited information of the website
  • Only offers installment loans
  • Does not deposit funds on a bank account
  • You cannot make payments via the phone or online

Bottom line

If you need an installment loan and your credit history is fair or bad, then Credit Central could be a good choice as it claims to work with bad credit. Using their loans and repaying them in a timely manner will help you improve your credit. But you can only apply for a loan with this lender if you live in Alabama, Georgia, South Carolina, Tennessee, and Texas. Interest rates are not mentioned anywhere on the site and vary from state to state so we recommend that you explore other loan providers that quote rates and terms clearly.

Types of loans

Credit Central only offers installment loans – loans that are repaid over time with an agreed number of scheduled payments. There loans are designed to help you take care of bills, repairs, major purchases.

Loan requirements

Not all consumers will qualify for a loan with this lender. To get a loan with Credit Central, you must meet the following requirements:

  1. Be 18+ years old (19+ in Alabama);
  2. Be a US citizen or permanent resident;
  3. Have a valid ID;
  4. Have proof of regular income;
  5. Have an open checking account;
  6. Have a phone number.

They say they do take credit history into account during the approval process. However, they also mention that you may not be approved for a loan if you have a damaged credit score.

Category: Online Loans

Tags: Alabama, Georgia, South Carolina, Tennessee, Texas

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Credit Central Reviews

Manager at Thomasville Alabama branch Ms Angelic Gwinn is Professional n very Experienced. Work place always clean n friendly.
- Anthony Easley

Beware!! If you have a loan with this Credit Central and want to make a payment, you must either visit their location or mail them a check. You will not be able to pay over the phone or online. Very inconvenient!
- Richard Boggs

Worse business ever. The manager was rude. Finally he said I could come in and get my loan. After I came to the location, he tells me I need a co-signer for a 200 dollar loan. They took all my info and finally did not give me a loan! I wouldn't recommend them to anyone!
- Susan Bouchard

Repaid my loan 2 weeks ago and they are saying I still owe them $52! What a nonsense! I think they are scammers!!
- Jefferson Horn

WORST CUSTOMER SERVICE EVER. I told them I was going to be late with my payment and they said I would still need to come in. They called me 10 times a day. I hate these people. As soon as I pay off my loan, I will never use them again. Their people are so RUDE. Especially the female manager. I will war my friends to stay away from them.
- Andrea Gardner

I have done business with Credit Central a few times and was never late with my payment, I even paid off some of my loans early. They do not like when you repay your loan ahead of time and persuade you not to do it! I will never do business with them again and I wish I hadn't.
- Richard Walls

I filed with BBB recently since Credit Central did NOT provided good full service. I have been trying to resolve the issues for 2 months already and they wouldn’t do it!!! Stay away from these guys!
- William Turner

This lender is good. I visited the office in Ozark and was serviced by kind and friendly ladies. They greet me every time I come and also wish to have a good day when you leave. But they do call me several time a month to ask me if I need a new loan. That could be annoying…
- Willie Washam

Horrible staff!!! My payment was due on the 11th. But I was home sick with the flu and missed the mail carrier. I called them and apologized but the check did not go out until the next day. The rude person said I was a liar and added he needed 5 references. That man was the rudest person I have ever met. I would never Credit Central to anyone. I have good credit and needed just $500 for the holidays and made the mistake of using their services. Never again!
- James Geisler

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