Loan Requirements

  • Minimum FICO 600+

  • Mininum Income $40,000 YR

  • Loan Terms 24-48 Months

  • Bankruptcies OK, but none in last 12 Months

  • ChargeOffs OK, but none in last 12 months

  • Liens/Judgements: OK, but none in last 12 months

Employment Status:


Must be employed one(1) consecutive year, or if less than one year provide proof that there was no more than a 90 day gap between jobs.

Self Employed:

Proof of 1 Consecutive Year


Benefit letter

  • Unlike other lenders, we look beyond a borrower’s credit score to their job history, credit history and current income to find more reasons to say,”Yes” to approving them for a personal loan of up to $20,000.


  • By focusing on a person’s financial potential, rather than their financial past, we are able to provide affordable personal loans, with better rates and flexible terms.


  • By offering a variety of monthly payment options to fit into most budgets, we make repayment easy.


  • Our application process takes only minutes to apply and get a loan offer, with no impact on your credit score.


  • Loan funds are available in as little as two days, once the few supporting documents are received.



Having easy access to money through a personal loan with affordable rates can be the difference between moving forward in life or putting an important project on hold.

Our loans provide you with not only the financial freedom to do the things you want, but also the ability to rebuild your credit and become stronger financially, just by making your payments on time.

  • Debt Consolidation
  • Home Improvement
  • Major Purchase
  • Medical/Dental
  • Vacation
  • Wedding
  • Open a Business
  • Get to $0 Balance on Credit Cards

Who We Are

As pioneers in the alternative lending industry in 2000, we started by providing small businesses that were declined credit by their bank because of the owner’s imperfect personal credit, lack of collateral or insufficient time in business with capital to grow their businesses. We were able to do this by looking beyond the business owner’s personal credit score but to the overall health of the business, and it’s ability to repay the loan. Over the years, we have funded tens of millions in business loans and other types of working capital to small business owners, so they could open new locations, buy equipment, pay taxes and bills, or do other projects to grow their business.

In 2016, we started Loan Central USA for personal loans, and just as we did with the business loans, we looked beyond the borrower’s personal credit score to determine credit worthiness. By broadening our criteria to include job history, past credit history and income, we are able to approve more loan applications that may have been declined by banks or credit unions because of a lower credit score. Now those with “middle of the road” or “fair” credit between 600-680 can have access to affordable personal loans up to $25,000, and can grow financially stronger by rebuilding their credit through on time installment payments. To contact us, call: (833) 201-0777


No, they are totally different. Loan Central USA DOES NOT OFFER payday loans. Payday loans are for people with very bad credit and are typically for low dollar amounts, have very high interest rates, with repayment in 30 days to 2-3 months.

Loan Central USA offers AFFORDABLE, installment loans of up to $25,000 with a set number of equal payments, which are payable over a period of 24 to 36 months.

FICO score is a numerical expression of a person’s credit worthiness, as reported to Fair Isaac Corporation (FICO) by the top three US credit agencies, ExperianEquifax and Transunion. Lenders and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt. FICO scores are made up of Payment History=35%, Amount Owed= 30%, Type of Credit=15%, New Credit =15%

FICO uses a score range of 300 (lowest) to 850(highest.) to determine credit worthiness. Most lenders, such as banks and credit unions require a FICO of 680+ for personal loans. Loan Central USA requires only 600+ FICO credit to apply.

Many of the credit card companies, such as Discover will give you a free credit score. Or go to and get your FICO Score. also gives you a free credit score, but it’s not as accurate as one from

  • CREDIT SCORE: Between 600-680.

             -Employees: must be employed one (1) consecutive year, or if less

             than one year provide proof that there was no more

             than a 90 day gap between jobs. 

            -Self Employed: Proof of 1 Consecutive Year. 

            -Retiree: Available benefit letter

Not at all. By clicking on “Apply” and filling out your name, address, date of birth, social security number, annual income to see what loan offers we can provide only allows us to look at your credit report. If and when you do select a loan offer from us, we do make a “hard inquiry” to verify the information you’ve provided on the application as part of the approval process. This hard inquiry will be shown on your credit report.

We have been in this lending business a long time and as such use the most robust industry procedures and safeguards available, including encryption to secure and protect your personal information.

Yes, however, approval on a loan will depend on the time since the bankruptcy was discharged, your current credit picture, income and employment, and other items.

To apply all you need is to complete the form and complete the basic information, such as name, address, date of birth, social security number and income to see what loan offers you may receive.

Once you chose a loan, you may also be required to provide

  • Driver’s license
  • Bank statements and a voided check
  • Proof of income

Loans range from $3,500 to $25,000. The loan amount you may be approved for depends upon your individual credit picture and information provided during the application process.

Not currently. We offer personal loans based on your individual credit picture, taking into account only your individual information and income (not joint or household).

There are no limits on use of funds.

It takes only a minute or so for you to know the loan amount you may be eligible to receive. If you accept the offer, you will then be asked to provide some additional information and documents. After all required documentation has been received and verified, a final underwriting review will take place. Loan approval often takes just a few hours.

In general, the next day.


Why wait months for a home equity line of credit? Get a Loan Central USA home improvement loan and get your funds in as little as two days:

  • No equity or collateral needed
  • Decision in minutes with fast funding
  • Fixed APR and regular payments designed to fit your budget.


Get your credit card balance to zero, and rebuild your credit to a higher credit score just by making your loan payments on time!