Discover how Dollar Loan Center works, including locations, loan types, requirements, and reviews to make informed borrowing decisions.
Dollar Loan Center offers short-term installment loans (typically $100–$5,000) with flexible payment schedules. They operate in-store across Nevada, Utah, and Idaho and provide online lending in select states (such as Wisconsin, Missouri, Oklahoma, and Delaware; availability varies). Bring valid ID, proof of income, and banking details, or apply online in minutes. Check branch hours per location and compare total costs before borrowing.
What is Dollar Loan Center?
The Dollar Loan Center is a private lending company started in 1998 by Charles “Chuck” Brennan. It calls itself a community short-term lender and says its primary loan is a better choice than a payday loan.
Most payday loans take a post-dated check or require you to pay everything back on your next payday. But the Dollar Loan Center works differently. It gives signature loans (which don’t need any collateral) and installment loans so that you can pay back the money over time with more flexibility.
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Where is Dollar Loan Center located?
States with walk-in branches
- Dollar Loan Center has real, in-person stores mostly in Nevada, Utah, and Idaho.
- Their website shows they are licensed in these states and offer specific services there.
Online loans and “near me”
- Besides stores, they also give online installment loans in Wisconsin, Missouri, Oklahoma, and Delaware.
- If you search “Dollar Loan Center near me,” first check whether your state is on their list of stores or online services.
Hours and branch details
- Example store hours shown on the site: Monday–Saturday, 7:00 AM – 8:00 PM (PST). Sunday: closed (this can depend on the state).
- For the exact hours of a specific branch, open your state’s location page on their website and check there.
Dollar Loan Center Las Vegas
Dollar Loan Center in Las Vegas gives short-term loans with simple rules. You can apply online or at a branch and often get a quick answer. The loan is unsecured (no car or house needed), and you repay in small payments that can match your payday; you can also pay early to lower interest. Bring a photo ID, a recent pay stub, proof of address, and, if needed, a bank account or debit card. Rates can be high, so only borrow what you need and pay on time to protect your credit.
Dollar Loan Center Idaho
Dollar Loan Center Idaho offers quick, short-term loans at local branches. Find a nearby location, apply with basic ID and income proof, and get a fast decision. Payments can line up with your payday for easier budgeting.
Dollar Loan Center Utah
At Dollar Loan Center Utah, the process is simple and straightforward. Check your branch hours online, bring recent proof of address and a photo ID, and review the offer before you agree. You’ll see the amount, rate, and length upfront.
Dollar Loan Center Wisconsin
Dollar Loan Center Wisconsin focuses on online installment loans. Apply online, review your terms, and, if approved, the money is deposited into your bank account. You can often pay early to reduce interest and finish sooner.
What types of loans does Dollar Loan Center offer?
Signature (short-term) loans
- No collateral: You don’t give a car or house as security.
- Short term: This is a very short loan, similar to a payday loan alternative.
- Typical size & time: Some reviews say $100 to $5,000, with terms of up to 3 months.
Installment loans
- Pay in parts: You repay in regular pieces (installments), timed with your payday.
- Daily interest: You pay interest only for the days you keep the loan.
- Pay early: You can pay off early with no fee.
How is this different from payday loans?
- Payday loans often require a post-dated check and require you to pay back the full amount on your next payday.
- DLC loans do not require a check, need no collateral, and charge interest daily.
- Important: The interest rates can still be high. Use these loans carefully.
Loan Requirements and How to Apply
Who Can Apply
- You must be 18 or older.
- You must live in a state where Dollar Loan Center works.
- You need a government ID, proof of income (such as a recent pay stub), and proof of address from within the last 30 days.
- You may need a checking account or debit card to get the money and make payments (especially for online loans).
How to Apply (Online or In-Store)
- Pick your state. Choose whether you want the money deposited into your bank account or picked up in a store.
- Fill the form. Enter your personal info, income details, and bank info.
- See the offer. You’ll get the loan amount, the interest rate, and the repayment term. Decide to accept or not.
- Get the money. If you’re approved and accept, the money can be sent quickly (sometimes within 30 minutes), or you can pick it up at a branch.
About Credit Checks and Eligibility
- They report your payments to the credit bureaus.
- They may do a hard credit check. People with bad credit can apply, but interest rates may be high.
- Rules change by state and depend on your income, so being in an eligible state is very important.
Quick Tips
- Read the offer carefully before you accept.
- Pay on time to avoid extra costs and to help your credit.
- If you can, pay early to reduce interest (when allowed).
Rates, Fees, and Repayment – What you should know
Interest rate (APR)
- APR is the full yearly cost of the loan (interest + fees), shown as a percent.
- With DLC, APR can be very high, about 200% to 390%.
Simple money examples
- If you borrow $500 for 14 days, you might pay about $37.90 in interest.
- If you keep that same $500 for 90 days, you might pay about $237.57 in interest.
- These loans are expensive, so they are best only for short, urgent needs.
Fees, paying early, and extra costs
- No start fee (origination) and no penalty if you pay early.
- If you pay late or don’t pay, they may report it to credit bureaus or send the debt to collections, which can hurt your credit and add costs.
How you repay
- Installment loans: You pay in parts, usually around your payday. If you pay faster, you pay less interest.
- Signature loans: These are short-term loans ranging from a few days to a few months.
DLC vs. typical payday loans
| Feature | Dollar Loan Center (DLC) | Typical Payday Loan |
| What they take as security | None (just your signature) | Often a post-dated check or automatic withdrawal |
| How long the loan lasts | Days to a few months | Usually until your next payday (or two) |
| APR (cost) | About 200%–390% | Often 300%+ (varies by state) |
| Can you pay early? | Yes, no penalty | Often yes, but still costly overall |
| Where you can get it | Some states only | Varies by state |
Dollar Loan Center Reviews
You’ll find Dollar Loan Center reviews on Google, Indeed, and Yelp for specific branches. When reading reviews:
- Filter by location and date (recent experiences matter).
- Focus on customer service, clarity of terms, speed, and payment flexibility.
- Weigh patterns across many reviews of one-off stories. (Example sources include Indeed for employee perspectives.)
Pros and Cons of Using Dollar Loan Center
good things (Pros)
- Quick money: If you qualify, you can get approved and get the cash fast.
- Easy to use: You can apply online or go to a store in some states.
- Clear info: They tell you your loan amount and interest before you agree.
- No extra fee for early payoff: If you pay the loan back early, you don’t pay a penalty. You can save on interest.
Not-so-good things (Cons)
- Very expensive: Interest rates (APR) can be very high, making the loan very costly.
- Not everywhere: If you don’t live in Nevada, Utah, Idaho, Wisconsin, Missouri, Oklahoma, or Delaware, you may not get a loan.
- Short-term only: These loans are meant to be paid back soon. Rolling the loan over repeatedly can trap you in debt.
- Late fees and credit risk: If you pay late, you may owe extra fees, and your credit could be hurt.
Smart tips before you borrow
- Take only what you truly need, and plan to pay it back fast to cut interest.
- Compare cheaper options: Check a credit union, a bank loan, or a 0% intro APR credit card first.
- Know the full cost: Ask for the APR, the total you’ll repay, and all fees in writing.
- Be sure you can pay on time: Late payments make the loan much more expensive.
- Find a nearby branch (if needed): Use the branch locator on DLC’s website to see locations and hours.
FAQs
Who owns Dollar Loan Center?
Charles “Chuck” Brennan founded Dollar Loan Center in 1998 and is the CEO/majority owner.
What is the Dollar Loan Network?
If you mean the network of DLC branches and online services, it refers to their multi-state lending footprint offering short-term loans and installment loans via storefront and online channels.
How easy is it to get a $5,000 loan at Dollar Loan Center?
DLC advertises up to $5,000, but approval depends on your state, income, banking history, and underwriting. Many borrowers qualify for smaller amounts initially. Review your disclosure before accepting.
Peyman Khosravani is a global blockchain and digital transformation expert with a passion for marketing, futuristic ideas, analytics insights, startup businesses, and effective communications. He has extensive experience in blockchain and DeFi projects and is committed to using technology to bring justice and fairness to society and promote freedom. Peyman has worked with international organizations to improve digital transformation strategies and data-gathering strategies that help identify customer touchpoints and sources of data that tell the story of what is happening. With his expertise in blockchain, digital transformation, marketing, analytics insights, startup businesses, and effective communications, Peyman is dedicated to helping businesses succeed in the digital age. He believes that technology can be used as a tool for positive change in the world.
