Industry Associations

Community Financial Services Association of America (CFSA)

Moneytree is a proud member of CFSA

CFSA is the only national membership trade association that provides services exclusively to the payday advance industry. Members represent nearly two-thirds of this market segment with more than 8,000 stores nationwide. CFSA is actively involved with policy makers in all 50 states as well as the nation's capitol to promote legislation and regulation that balances the interests of members with substantive consumer protections that ensure responsible and informed use of the product. CFSA Members and Board of Directors represent the leaders in the industry. By adopting the Best Practices, CFSA members differentiate themselves as belonging to a select network of payday advance stores that are recognized by their state legislators and regulators for providing quality services at a reasonable fee to consumers.
www.cfsa.net

California Financial Service Providers Association (CFSP)

Moneytree is a proud member of CFSP

CFSP represents the California payday advance and check cashing industry. The organization was founded in 1950 as the California Check Cashers Association. The organization renamed itself in 1999 to represent the interests of companies that provide a variety of retail financial services. CFSP works with state legislators and local officials to promote regulations that protect the rights of consumers and businesses. The Association also educates its members on fair practices in conducting payday advance services.
www.cfsponline.com

Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit.

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Online loans not available in all states. For the complete list of available loans, rates and terms, click the page for your state of residence:

California: A payday loan costs approximately $17.65 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $117.65 and has an APR (Annual Percentage Rate) of 460.16%.* Moneytree, Inc. is licensed by the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law to make consumer loans. Licensed by the Department of Business Oversight pursuant to the California Finance Lenders Law to make business loans. Loans made or arranged pursuant to a California Financing Law license.

Colorado: The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $300 loan as an example: If you borrow $300 to be repaid in 6 months, the total finance charges would be $209.44, with an APR (Annual Percentage Rate) of 208.00%.* The finance charges and APR are based upon you agreeing to make 13 payments of $36.39 due every two weeks and one final payment of $36.37.

Idaho: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Nevada: A payday loan costs $16.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $116.50 and has an APR (Annual Percentage Rate) of 430.18%.*

Washington: A payday loan costs $15 per $100 borrowed up to $500, and $10 per $100 on the amount over $500. For example, a $100 loan due in 14 days would have a total repayment amount of $115 and has an APR (Annual Percentage Rate) of 391.07%.*

Customer Notices:
There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive.

Payday Loans, High-Interest loans and Title Loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

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*The Annual Percentage Rate ("APR") is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.