A payday loan is a short-term loan between today and your next payday.

Many people choose a payday loan when they need to pay for unexpected expenses, avoid late fees or cover temporary reductions in income.
 

A Payday Loan is a short-term loan to cover an occasional, unexpected cash shortage between paydays. A Payday Loan does not provide the kind of help intended if used repeatedly to the point of incurring additional debt. We recommend that you investigate other financing options if you are planning on borrowing money beyond your next payday.

While loan requirements vary slightly by state, in general, to qualify for a payday loan you must have:

• Verifiable income
• Verifiable contact information
• Active checking account (A checking account is not needed in ID or NV)

In Colorado and Nevada, we also need written proof of income.
 

State laws regulate the amount of money that can be loaned. Within that limit, Moneytree qualifies you to borrow only an amount you can reasonably repay from your next paycheck based on your current income and the information you provide on your loan application. Once your loan limit is determined, you may borrow any amount up to the limit for which you qualify. Your loan limit may change if your income changes or if our ability to contact you changes. To see the loan amount available in your state, please visit the payday loans page.
 

Although banks and other financial institutions charge varying rates depending on a customer's credit-worthiness, Moneytree charges a standard rate to all customers.
 

No, Moneytree does not review your credit report. We base our lending decision on your ability to repay your loan.

As part of the online loan application process, you have three options for receiving your money:

1. Immediate deposit onto your Cash Solution PIN Debit Card (which is also your Moneytree ID card);
2. Direct deposit into your bank account (which typically takes one business day for receipt); or
3. Pick up your cash at the nearest Moneytree branch.
 

It depends on how you choose to receive your loan proceeds.

If you choose to load your funds onto a Cash Solution PIN Debit Card, your funds will be available immediately upon loan approval. We can electronically deposit funds onto any Cash Solution PIN Debit Card seven days a week.

If you choose to have your loan electronically deposited into a checking or savings account, it will take up to one business day from the time your loan is approved until you receive your funds. We can electronically deposit funds into a checking or savings account Monday through Friday.
 

Moneytree has branches located throughout the states of California, Colorado, Idaho, Nevada and Washington. Call 1-888-604-MONY (6669) or visit our branch locator to find the location nearest you.
 

Yes, Moneytree is a member of the Community Financial Services Association (CFSA), the Financial Service Centers of America (FiSCA), California Financial Service Providers Association (CFSP), Colorado Financial Services Centers Association (COFiSCA) and the Financial Service Centers of Washington (FiSCWA).

Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit. As a member of the Community Financial Services Association of America (CFSA), our company encourages responsible industry practices and proudly supports and abides by CFSA’s Best Practices.
 

Moneytree is licensed to offer retail financial services depending on the requirements of the individual states in which it operates. Licenses are posted in each Moneytree location. We can provide you with each state's licensing contact information upon request. Moneytree strictly adheres to the guidelines and requirements set by each state.
 

Moneytree is committed to exceeding your service expectations, and you should receive the same level of service whenever you visit a Moneytree branch or apply online. Moneytree’s online and retail branches share a centralized information system. Customer service representatives throughout the company can access your account information on a real-time basis in order to give you excellent service.

In retail branch locations, Moneytree offers check cashing, consumer loans, business loans (Idaho, Nevada and Washington businesses), money orders, Western Union wire funds transfer, Visa® Prepaid Debit Cards, and prepaid phone and gift cards. Select locations also offer coin counting exchange services and bus passes.

Visit our online branch to apply for a payday loan if you live in California, Idaho, Nevada or Washington. If you live in Colorado, online loans will be available soon. You can also make a payment or renew your loan (in select states) on our website. Visit our online branch to apply for a business loan if your business is located in Idaho, Nevada or Washington.
 

Moneytree offers two prepaid card options. We can load your online loan or branch loan directly onto both cards. The cash is available immediately. It’s quick, simple and secure.

With a Cash Solution™ PIN Debit Card you can set up free direct deposit, withdraw cash at selected ATM locations and make purchases at merchants that accept debit cards. Visit any Moneytree branch to pick up your Cash Solution Card and begin using it today. Please refer to the Cash Solution Prepaid Card “Frequently Asked Questions” Booklet to read all about the card benefits, fees and how to use the card.

The PREMIER Cash Solution™ Visa® Prepaid Card features free direct deposit and free loads and withdrawals at any Moneytree branch. Plus card holders can shop online, set up text message services, pay bills with their prepaid card and use their card everywhere Visa debit cards are accepted. Visit any Moneytree branch to pick up your Visa Prepaid card and begin using it today. Please refer to the Visa Prepaid Card “Frequently Asked Questions” Booklet to read all about the card benefits, fees and how to use the card.
 

Moneytree cashes all types of checks, including payroll, government, personal, two-party, cashier's checks, money orders, insurance drafts, and more. No check is too large or too small for Moneytree to cash. We make every effort to give you immediate cash for your check.

Moneytree charges a small percentage of the face amount of the check. While rates are regulated in certain states, it is our goal to charge a competitive rate in all markets. Rates are posted at every branch and on each online menu board. To view a branch menu board, please find your branch with the branch locator. Plus, money orders are always free when you are cashing a check at Moneytree!
 

Moneytree offers a quick and convenient check cashing option and we are open extended hours when most banks are closed. Moneytree gives you immediate cash rather than requiring you to wait days for your money. As it has become more common for banks to refuse to cash some checks, Moneytree check cashing services offer a convenient, quick alternative. Many bank representatives refer their customers to Moneytree when they have to refuse to cash a check because of the bank's stringent guidelines.

If you are applying for the first time, we will review and approve your new loan application within 60 minutes of receiving it during normal business hours. You will hear back from us within that timeframe about your loan status.

If you are a returning online loan customer, we will review and process your application within 60 minutes of receipt during our normal business hours. You can submit your online loan application at any time, and if we are not open, we will process it on the following business day. Moneytree’s online branch is open Monday - Friday from 7am to Midnight and Saturday and Sunday from 9am to Midnight Pacific time.
 

Your subsequent loan may be made for less than the amount of the current loan. You are encouraged to only borrow the amount you need during the upcoming time period.

You may choose to rescind (cancel) your payday loan, at no cost, at any time until the close of the following business day. To do so, simply call our Customer Service Department at 800.745.1011 or visit your nearest Moneytree branch.

The Loan Agreement and Disclosure Statement is a contract between you and Moneytree. It outlines the terms of the loan, including the cost of the loan expressed as a dollar amount and as an annual percentage rate. It is Moneytree's intent that you understand all of the terms of the loan prior to completing the transaction.

Moneytree allows you to borrow up to the amount you qualify for. If you have borrowed less than that amount, you can log into your account online or visit any branch and add onto your loan. (This statement applies in all states except California.) To discuss increasing your loan limit, please contact the Customer Service Department at 800.745.1011.

Log into your online account with your email and password and select “Change my Password.”

You cannot access your account through the automated phone system or on the Internet without your passcode. If you’ve forgotten your passcode, you must call Customer Service at 1-800-578-2965 and speak with a Customer Service Representative for assistance in selecting a new passcode. You may be charged 95¢ per minute for this service.

Visit Moneytree's Online Loan Center and select "Log In" on the left navigation bar. From there you can select "I forgot my password" and enter your login name. You will receive an email from Moneytree with a link to create a new password.

Log into your online account with your email and password and select “User Profile.”

Please contact our Customer Service Department at 800.745.1011 to discuss options for extending your loan date.

No, Moneytree does not share your information or disclose any nonpublic personal information to anyone not affiliated with Moneytree. Our complete Privacy Policy can be viewed here.

You can submit an online loan application almost 24 hours a day. Each evening from 11:45pm - 12:45am Pacific time, the system will be unavailable as we perform maintenance. We process and fund online loan applications Monday - Friday from 7am to 11:45pm and Saturday and Sunday from 9am to 11:45pm Pacific time.

Online loan applications received after 11:45pm Pacific time will be processed the next business day. If you would like a quicker loan approval outside of normal business hours, please visit a Moneytree branch with extended hours. To find a branch near you call 888.604.MONY (6669) or visit our branch locator.

If you are a new online customer, we will review and approve your new loan application within 60 minutes of receiving it during normal business hours. You will hear back from us within that timeframe about your loan status.

If you are a returning online loan customer, we will review and process your application within 60 minutes of receipt during our normal business hours. You can submit your loan application or request at any time, and if we are not open, we will process it first thing on the following business day.

Moneytree’s online branch is open Monday - Friday from 7am to Midnight and Saturday and Sunday from 9am to Midnight Pacific time.
 

Just as with receiving the loan proceeds, the process is automatic and convenient. An electronic withdrawal will be made from the account you provided to us on your loan application on the loan's due date via an ACH transaction. If you would prefer to pay from a different account, you may pay online. You can use a different checking account, debit card or credit card, or you may call our Customer Service Department at 800.745.1011. Any change in payment method must be made prior to 1 pm Pacific time on the date the loan is due in order for the change to be processed for the current payment.

ACH stands for Automatic Clearing House Transaction. An ACH transaction is a method of electronically depositing or withdrawing funds from an account.

Yes. You can visit any branch to pay off your current loan or log into your online account to make the payment. Payments in full are accepted online. If you need to make a partial payment on a current loan, please visit your nearest Moneytree location. Call 888.604.MONY (6669) or visit our branch locator to find a location near you.

Yes. Moneytree does not charge a pre-payment penalty if you choose to pay off your loan before the loan due date.

Moneytree typically sets your loan due date on your next payday or the following business day. If your next payday falls six days or fewer from the current date, we may extend the loan due date to your subsequent payday at your request and at no additional charge. (In Colorado, the minimum loan term is seven days. In Nevada, loans of seven days or less can be taken out at a reduced fee.) When you are applying for your loan, you may select due date options based on the pay schedule you have provided to us.
 

Returned item fees are determined by state law. This chart highlights those fees.

We know that it is your intention to repay your loan on the due date. It is our goal to loan only as much as you can comfortably repay on your next payday. However, the answer to this question depends upon the state in which your loan originated. 

California customers click here.
Colorado customers click here.
Idaho customers click here.
Nevada customers click here.
Washington State customers click here.

If you find that you cannot repay your loan, we recommend that you do not take out additional loans in order to repay the original loan. For further information about entering into an extended payment plan, please contact the Customer Service Department at 800.745.1011.

Yes, you can view your online loan history for the past 90 days by logging into your online account. To view additional loan agreements, please visit any Moneytree branch.

You will receive an email from Moneytree indicating when your funds have been deposited into the account you selected.

Your loan agreements are available online for the past 90 days.

Yes. You can make a payment at any Moneytree branch or at our website by logging into your online account.