Personal loans tailored for you

Credit Central provides installment loans to help when you need it most and easy tax preparation.

Credit Central Personal Loans Hero Image

We’ve been there before.

We’ve been there before.

An unexpected life-changing event can leave one reeling. Not to mention the financial burden these changes can sometimes be for you or your loved ones.

  • Car repairs

  • Medical bills

  • Debt consolidation

  • Unexpected expenses

Freedom to have money when you need it.
Flexibility to pay back over time.

Getting a loan with Credit Central can be done in 3 simple steps:

What could your loan payments look like?3

Loan amount

$1,032

Monthly payments

$130

Loan term

11 months

Total repayment

$1,430

Loan amount

$1,091

Monthly payments

$130

Loan term

12 months

Total repayment

$1,560

Loan amount

$919

Monthly payments

$130

Loan term

10 months

Total repayment

$1,300

Loan amount

$934

Monthly payments

$145

Loan term

12 months

Total repayment

$1,740

Loan amount

$1,126

Monthly payments

$130

Loan term

12 months

Total repayment

$1,560

Loan amount

$1,010

Monthly payments

$154

Loan term

10 months

Total repayment

$1,540

Tax preparation

Take the stress out of tax season and let Credit Central do the hard work for you. Find your local branch to get started online today.

Learn more
“This place is so understanding and I love just to talk to the people here. They got me on my feet and started my credit with a starter loan. They made getting a loan totally easy.”

- Genesis
Cullman, Alabama
“Top notch!!! They helped me when no other financial institution would. They are caring and genuinely pleasant to deal with. They even went above and beyond my expectations. I recommend Credit Central to anyone and everyone that needs a hand in time of crisis.”

- Nathan
Cullman, AL
“Credit Central is one of the best loan servicers. Thank you for helping me out in my time of need. Great overall customer service!”

- Cheryl
Stafford, TX
“Absolutely wonderful business to work with. Pleasant atmosphere. Representatives who are courteous, knowledgeable, and eager to assist.”

- Norma
Walterboro, SC

Credit Central FAQs

Can I use Credit Central to prepare my personal tax return?

Absolutely, you can use Credit Central for your personal tax return. Whether you're dealing with complex investments, multiple income streams, or numerous deductions, our team is equipped to handle your tax situation's intricate details. 

We simplify the process so that you can maximize your refunds and minimize your liabilities. Our experts are adept at working through complicated tax laws and regulations. We make sure every aspect of your return is accurate and fully optimized. Let Credit Central take the stress out of tax season by making even the most complex returns straightforward and hassle-free.

How will I receive my tax refund?

You will receive your tax refund either directly from the Internal Revenue Service (IRS) or through a facilitated process via Credit Central, depending on your payment preferences for tax preparation fees. If you choose to pay the prep fees upfront, the IRS can directly deposit your refund into your bank account, which is the fastest method, or send you a check by mail.

Credit Central offers a bank product return for those who prefer not to pay upfront. In this case, your refund is processed by the IRS and sent to a passthrough bank. From there, you can deposit your refund directly into your bank account or pick up a printed check at your local Credit Central branch. Please note that checks must be picked up in person as they require your signature and can only be released to the taxpayer listed on the return.

Additionally, Credit Central offers an exceptional service for those who need quicker access to their funds: tax advances of up to $6,0001 from your expected tax refund. This advance allows you to benefit from your refund almost immediately after your return is filed and accepted, providing flexible financial support when needed most. Choose Credit Central and access your refund faster and more conveniently.

What information will I need to provide to use Credit Central tax prep services?

To use Credit Central's tax preparation services, you'll need to provide several pieces of information to guarantee an accurate and efficient filing process. This includes your Social Security card, a valid form of identification, and all relevant financial documents such as W-2 forms, 1099 forms, investment income statements, and records of any eligible deductions and credits (e.g., educational expenses, charitable donations). 

If you're a business owner, you will need to provide additional documentation related to your business expenses and income. Our secure app simplifies the document upload process, making it easy to organize everything for your tax preparation.

Have a question? We have listed some common questions we get asked below. If you have additional questions, please contact your local Credit Central branch.  

What types of loans does Credit Central offer?

How do I apply?

Do you make payday loans?

What if my credit history is less than perfect?

What size loans do you offer?

When will my payments be and when are they due?

Do you report to credit bureaus?

Do you offer tax preparation services?

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