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We help people access financial solutions.
Financial challenges can arise unexpectedly in anyone's life. Traditional lending methods may not always be accessible to everyone. As a result, many individuals seek alternative financial solutions from companies that can provide more flexible lending options.
With Centurion Finance, the application process is designed to be fast and straightforward. We begin with a comprehensive review of your financial situation, considering various factors beyond just your credit score. Additionally, applying with us will not impact your FICO® score.
What advantages do our financial solutions offer?
Our financial solutions provide more flexibility compared to traditional lending options. We offer amounts ranging from $100 to $5,000 with flexible repayment terms between 3 and 24 months and an Annual Percentage Rate (APR) from 6.99% to 35.99%. This allows you to choose terms that fit your budget and financial goals.
We use advanced technology to ensure the security of your data. However, it’s always a good idea to review the terms carefully and follow fraud prevention tips available on our Responsible Lending page.
Compare our financial products.
Centurion Finance offers various financial solutions, so it's important to understand what's available in your state and how each product works before applying.
Line of Credit
A line of credit is a type of revolving credit that operates similarly to a credit card. If approved, you receive a credit limit up to a specific amount. You can draw from that amount, depositing funds into your account, and pay interest on the amount you withdraw. In some states, a transaction fee may apply for each draw.
For repayment, you'll have a minimum payment due each billing cycle. You can also repay sooner with no penalty to reduce interest charges. As you repay, the funds become available again. When you need more money, you can draw again up to your available credit (minimum $50 per draw). This unique funding method is ideal for those who need flexible access to credit.
Installment Loan
An installment loan is structured with fixed monthly payments. You apply for funds, and if approved, receive the full amount upfront. You then repay a fixed amount, plus interest, on a regular schedule — commonly monthly. With our installment loans, the repayment period typically ranges from 5 – 24 months, known as the loan term. Installment loans are often referred to as "term loans."
Personal installment loans are designed for individual financial needs. Determine which type of funding option is right for you! Check our Rates & Terms page to see what's available in your state. If the product is available to you, apply today!
Do we offer solutions for challenging credit situations?
Centurion Finance no longer offers payday loans. However, our line of credit and installment loan offerings may be used as payday loan alternatives depending on your funding needs. With our line of credit, you are approved for a specific amount of funds that you can withdraw when needed. With our installment loan, you receive a lump sum that you repay with fixed regular scheduled payments.
For financial solutions with challenging credit, Centurion Finance uses alternative credit data and advanced analytics to make lending decisions. This helps us serve customers who may not qualify for traditional forms of credit. While we don't specifically offer "bad credit loans," we are often able to provide loans to people who have difficulty obtaining funds elsewhere.
Understanding different financial service models.
When searching for financial solutions online, you may encounter various types of lending websites. While they all aim to help you find funding, their methods may vary. Many differ from the actual lending companies that will issue and service your loan.
Lead Generator
A lead generator collects information from potential customers and sells it to other companies. Lending companies partner with lead generators to obtain customer "leads," then advertise to those potential customers. Lead generators may help customers find lenders but don't directly provide lending services.
Affiliate Marketer
An affiliate marketer refers visitors to companies' websites and earns a commission if the customer takes certain actions (such as providing information or applying for a loan).
Price Comparison Website
People use comparison websites to filter and compare products and services based on price, features, customer reviews, and more. Sometimes these sites use an affiliate marketing model to generate revenue. Other times, lenders pay to be featured on comparison sites for increased visibility and traffic.
Direct Lender
Direct lenders typically handle all aspects of a customer's transaction. This includes collecting applications, assessing credit, issuing the loan, and servicing the loan. Centurion Finance is a direct lender in each of the states we operate in.
Bank Partnership
Banks partner with fintechs and other nonbank entities to provide loans nationally or multi-state. The partner provides the bank with technology, markets the loans, and often handles loan origination services. The bank may later sell the loans or interests in the loans.
Lead generators, affiliate marketers, and price comparison sites may help you find the right lender, but you'll likely receive spam and advertisements along with their service. This can make borrowing through a direct online lender better for customers seeking a simple experience.
How do our loans and lines of credit compare to credit cards?
Credit cards and lines of credit are both forms of revolving credit, but they have key differences in how they work. With an online line of credit like ours from Centurion Finance, funds are deposited into your bank account and paid back with a fixed interest rate and transaction fee for each draw in some states. Credit cards, on the other hand, are used directly as payment for purchases and commonly have variable APRs.
Online loans, such as installment loans, are term loans repaid over a specific period, while credit cards and lines of credit are forms of open-ended credit.
Access Financial Solutions Anywhere, Anytime
Say goodbye to the hassle of searching for loan offices or standing in long lines. With Centurion Finance, professional financial services are always within reach through our secure online platform. Whether you’re at home, at work, or on the go, you can apply for the funds you need anytime, anywhere — all with just a few clicks.
Our fully digital lending platform is designed to give you 24/7 access to convenient, reliable financial solutions without ever having to step outside. Wherever you are, we’re here to make borrowing simple, fast, and stress-free.
Learn more about financial solutions.
The "best" financial solution site depends on individual needs. Some lenders are better for people with certain credit profiles, and not everyone qualifies for the lowest rates. When searching for the best loan website, start by identifying your need and then see what you qualify for.
Online loans come in different shapes, sizes, and names. Typically, the more expensive the loan, the easier it is to qualify for.
Centurion Finance offers loans of up to $5,000 — and that’s our limit. We focus on providing fast, reliable funding within this amount so you can get what you need without unnecessary complications.