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centz^™ is not currently issuing new loans or refinancing existing loans. If you received an email with a code, you will be unable to get a new loan. We apologize for the inconvenience. Please stay tuned for further updates.

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* Applications processed and approved before 6pm ET are typically funded the next business day. centz^™ is offered only to residents in states where permitted by law. To obtain credit, you must apply online and have a valid checking account and email address. Approval for credit and the amount for which you may be approved are subject to minimum income requirements and vary by state. In some cases, we may not be able to verify your application information and may ask you to provide certain documents. Refer to Rates & Terms for additional details. Complete disclosures of APR, fees and payment terms are provided within your Loan Agreement.

Important Disclosures:

New Mexico: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL centz^™, ATTN: CUSTOMER SUPPORT, 74 E Swedesford Road, Malvern, PA 19355.

New Mexico: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504.

New Mexico: To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.

Loan approvals and the amount of any loan for which you may be approved are subject to minimum income requirements and vary by state.

This is an expensive form of credit. centz^™ is designed to help you meet your borrowing needs. Appropriate emergencies might be a car repair, medical care for you or your family, or travel expenses in connection with your job. This service is not intended to provide a solution for all credit or other financial needs. Alternative forms of credit, such as a credit card cash advance, personal loan, home equity line of credit, existing savings or borrowing from a friend or relative, may be less expensive and more suitable for your financial needs. We will never charge you any “hidden fees” that are not fully disclosed in your Loan Agreement or the Rates & Terms . If you don’t make a payment on time we will attempt to contact you via one or more authorized methods. Because we report your payment history to one or more credit bureaus, late or non-payment of your debt may negatively impact your credit rating. If you fail to repay in accordance with your terms, we may place or sell your debt with a third-party collection agency or other company that acquires and/or collects delinquent consumer debt. Be sure you fully understand the terms and conditions of your loan before signing your Loan Agreement.

California Residents, view the California Consumers and Privacy Policy to learn more about what information we collect.