Can I renew my loan?Washington
Can I renew my loan?California
Does Moneytree abide by industry best practices?California, Idaho, Nevada, Washington, Colorado, AllStates
What are your hours?AllStates
What is a payday loan?California, Idaho, Nevada, Washington
What services does Moneytree offer? California, Idaho, Nevada, Washington, Colorado

Are Moneytree's financial services regulated?

AllStates

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 is also registered with the federal government as a Money Services Business (MSB).

Can I extend my loan due date?

California

Please visit any Moneytree branch or contact our Customer Service Department at 800.745.1011 to discuss options for extending your loan due date.

Can I prepay my loan?

Nevada
Yes. You may prepay any loan in full, or (if your loan payments are current) you may prepay principal on any loan at any time with no prepayment penalty.

Can I prepay my loan?

Idaho
Yes. You may prepay any loan in full, or (if your loan payments are current) you may prepay principal on any loan at any time with no prepayment penalty.

Can I renew my loan?

Idaho
For a payday loan or a loan without a checking account, in certain cases, you may renew your loan by paying the additional fee to extend the loan due date until your next payday. Payday loans may be renewed at any time before your loan check is sent to the bank or your electronic transaction is deposited. If you contracted for cash payments, you may extend the term of your loan by paying the additional fee at any time prior to the close of business on the loan due date. You may renew your loan a maximum of three (3) times. After three renewals, the loan must be paid in full.

Can I renew my loan?

Nevada
For a payday loan with or without a check, in certain cases, you may renew your loan by paying the additional fee to extend the loan due date until your next payday. Payday loans may be renewed at any time before your loan check is sent to the bank or your electronic transaction is deposited. If you did not give us a check for payment, you may extend the term of your loan by paying the additional fee at any time prior to the close of business on the loan due date. You may renew your loan a maximum of four times, but for no longer than 60 days after the original loan’s first due date or 90 days after the original loan’s origination date, whichever is shorter. At the time that your fourth renewal is due, or if the applicable time period has expired, you must repay the loan in full.

Can I renew my loan?

Washington

No. Loan renewals are not available in the state of Washington.

Can I renew my loan?

California

No. Loan renewals are not available in the state of California.

Do you offer payment plans?

AllStates

Yes. If circumstances arise that change your ability to repay your loan when it is due, payment plan options may be available depending upon the state in which your loan originated. Please review the repayment options for your state.

Does Moneytree abide by industry best practices?

California, Idaho, Nevada, Washington, Colorado, AllStates

Moneytree is a member of the Community Financial Services Association of America (CFSA) and the Financial Service Centers of America (FISCA). Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit. A copy of the industry best practices is posted in every branch.

Does Moneytree abide by industry best practices?

Nevada
Moneytree is a member of the Community Financial Services Association of America (CFSA) and the Financial Service Centers of America (FISCA). Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit. A copy of the industry best practices is posted in every branch and available on our website at moneytreeinc.com.

Does Moneytree abide by industry best practices?

Idaho
Moneytree is a member of the Community Financial Services Association of America (CFSA) and the Financial Service Centers of America (FISCA). Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit. A copy of the industry best practices is posted in every branch and available on our website at moneytreeinc.com.

How are loan due dates determined?

Idaho
  • Payday Loan > The term is determined by the frequency of your paydays. Your loan will be due on your next payday. If your next payday is within 9 days from the date you take out the loan, you can choose to repay your loan on the subsequent payday. 
  • Loan without a Checking Account > The term is determined by the frequency of your paydays. Your loan will be due on your next payday. If your next payday is within 9 days from the date you take out the loan, you can choose to repay your loan on the subsequent payday.
  • Title Loan > Moneytree sets your payment due date 30 days from the loan origination date.
  • Auto Equity Loan > Moneytree typically sets your payment due dates based on your payday schedule, with payments due on each payday throughout the term of the loan.
  • Installment Loan > Moneytree typically sets your payment due dates based on your payday schedule, with payments due on each payday throughout the term of the loan.

How are loan due dates determined?

Nevada
  • Payday Loan > The term is determined by the frequency of your paydays. If you are paid biweekly or twice monthly your loan will be due on your next payday. If your next payday is within 7 days (9 days if you are paid weekly or monthly) from the date you take out the loan, you can choose to repay your loan on the subsequent payday.
  • Payday Loan without a Check > The term is determined by the frequency of your paydays. If you are paid biweekly or twice monthly your loan will be due on your next payday. If your next payday is within 7 days (9 days if you are paid weekly or monthly) from the date you take out the loan, you can choose to repay your loan on the subsequent payday.
  • Title Loan > Payment due dates are based on your pay schedule with payments due on each payday throughout the term of the loan.
  • Installment Loan > Payment due dates are based on your pay schedule with payments due on each payday throughout the term of the loan.

How do I qualify for a Moneytree consumer loan?

Idaho
Generally, to qualify for any of Moneytree’s consumer loans you must provide us with a Social Security Number (or ITIN or Alien Registration Number) and physical residence address. We must be able to verify your identity; you must have verifiable income and a verifiable phone number at which we can contact you.

For a payday loan or an installment loan you must also have an open checking account.

For a loan without a checking account you need a verifiable physical residence address. For a title loan or an auto equity loan you will need a clear title for your vehicle and also be able to provide us with the title for our records during the term of the loan.

How do I qualify for a Moneytree consumer loan?

Nevada
Generally, to qualify for any of Moneytree’s consumer loans you must provide us with a Social Security Number (or ITIN or Alien Registration Number) and physical residence address. We must be able to verify your identity; you must have verifiable income and a verifiable phone number at which we can contact you.

For a payday loan or an installment loan you must also have an open checking account.

For a payday loan without a check you need a verifiable physical residence address. For a title loan you will need a clear title for your vehicle and also be able to provide us with the title for our records during the term of the loan.

How do I repay my consumer loan?

Idaho
Payment options vary depending on your loan agreement with us.

  • Payday Loan > You may write a post-dated check to repay your loan. Your paper check may be turned into an electronic check that will be presented to your bank on the loan due date. If you choose to repay using an electronic check transaction (ACH debit), the deposit will be made at 3 pm Pacifi c Time (4 pm Mountain Time) and will be processed by your bank no earlier than 10 pm that night. If you choose to have your paper check deposited, it may be sent with our delivery service early on the morning of the loan due date to be presented at your bank that evening. You can also make cash payments at any time prior to the deposit.
  • Payday Loan without a Checking Account > You may repay your loan in cash at any Moneytree branch prior to the end of the business day on which the loan is due.
  • Installment Loan > You may authorize ACH debit payments or set up postdated check payments. Regardless of the payment option you choose when you enter into your loan, you may come in at any time on the loan payment due date to pay your loan payment in cash.
  • Title Loan > You may authorize ACH debit payments or set up cash payments. Regardless of the payment option you choose when you enter into your loan, you may come in at any time on the loan payment due date to pay your loan payment in cash. Installment Loan and Auto Equity Loan payments may also be made using your debit card or checking account by calling 800.745.1011.
Payments may also be made using your debit card or checking account by visiting moneytreeinc.com/payments. Payments made with a checking account must be made by 1 pm Pacific Time (2 pm Mountain Time) to be processed on the business day the payment is made.

How do I repay my consumer loan?

Nevada
Payment options vary depending on your loan agreement with us.

  • Payday Loan > You may write a post-dated check to repay your loan. Your paper check my be turned into an electronic check that will be presented to your bank on the loan due date. If you choose to repay using an electronic check transaction (ACH debit), the deposit will be made at 3 pm Pacific Time and will be processed by your bank no earlier than 10 pm that night. If you choose to have your paper check deposited, it may be sent with our delivery service early on the morning of the loan due date to be presented at your bank that evening. You can also make cash payments at any time prior to the deposit.
  • Payday Loan without a Check > You may repay your loan in cash at any Moneytree branch prior to the end of the business day on which the loan is due.
  • Installment Loan > You may authorize ACH debit payments or set up post-dated check payments. Regardless of the payment options you choose when you enter into your loan, you may come in at any time on the loan payment due date to pay your loan payment in cash.
  • Title Loan > You may authorize ACH debit payments or set up cash payments. Regardless of the payment option you choose when you enter into your loan, you may come in at any time on the loan payment due date to pay your loan payment in cash.
Payments may also be made using your debit card or checking account by visiting moneytreeinc.com/payments. Payments made using a checking account must be made by 1 pm Pacific Time to be processed on the business day the payment is made. Online payment can be made until 1 pm Pacific Time on the loan due date.

How does Moneytree determine how much I can borrow?

Idaho, Nevada
Moneytree qualifies you to borrow an amount based on your income, the information you provide on your loan application, your credit history with Moneytree, and consumer reports provided through a consumer reporting agency, and for secured loans, the value of your collateral.

You may borrow any amount up to the limit for which you qualify. Your loan limit may change if there is a change in any of the factors we consider in making a loan.

How does Moneytree work with credit counseling agencies?

Moneytree will accept the payment arrangements negotiated by a credit counseling agency. The National Foundation for Credit Counseling (NFCC) can help you develop a budget and negotiate reduced payment arrangements with creditors. To reach the Center nearest you, call NFCC at 1.800.388.2227 or visit nfcc.org for more information.

How does Moneytree work with credit counseling agencies?

Nevada
Moneytree will accept the payment arrangements negotiated by a credit counseling agency. The National Foundation for Credit Counseling (NFCC) can help you develop a budget and negotiate reduced payment arrangements with creditors. To reach the Center nearest you, call NFCC at 1.800.388.2227 or visit nfcc.org for more information.

How much does it cost to cash a check?

AllStates

Moneytree charges a small percentage of the face amount of the check plus a small transaction fee for checks over $20.00. It is our goal to charge a competitive rate in all markets. Rates are posted at every branch and online. Find a branch near you by using the branch locator.

If a payday loan is quick and simple, why is there so much information on the Loan Agreement and Disclosure Statement?

AllStates

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.

Is Moneytree licensed?

Nevada
Moneytree is licensed by the Nevada Financial Institutions Division. We can provide you with licensing information upon request. Moneytree is also registered with the federal government as a Money Services Business (MSB).

Is Moneytree licensed?

Idaho
Moneytree is licensed by the Idaho Department of Finance. We can provide you with licensing information upon request. Moneytree is also registered with the federal government as a Money Services Business (MSB).

What are the benefits of using a prepaid debit card?

AllStates

A prepaid debit card is loaded with your money, so you choose how much to load and your money is available to use immediately. You don’t pay any interest, late fees or overdraft fees. With a prepaid debit card you only spend what you’ve loaded onto the card. The prepaid debit cards offered at Moneytree feature free* direct deposit, free* loads and withdrawals at any Moneytree branch, online card account management, the ability to withdraw cash at ATMs (for a fee), make PIN purchases and set up text message balance alerts (standard text messaging rates may apply).

* While these features and many services are available for free, there are also some fees associated with your card. Please read your cardholder agreement for more details.

What are your hours?

AllStates

Moneytree branches are open extended hours – evenings - holidays and weekends – to serve you! Click here to find the hours of the Moneytree branch near you or call 888.604.MONY (6669).

What happens if I can't repay Moneytree on my due date?

California

Occasionally circumstances may arise that change your ability to repay. If this occurs, you may choose to enter into the Community Financial Services Association of America (CFSA) Extended Payment Plan. You may request a payment plan to restructure the payment terms to at least four (4) substantially equal payments. You may choose this option once per 12-month period. There is no charge to enter into the CFSA Extended Payment Plan. You may choose this option prior to the deposit of your current loan. After repaying your payment plan, we may re-evaluate your credit limit. Additional details about this option are available at any Moneytree branch or by contacting our Customer Service Department at 800.745.1011.

What happens if I default on my consumer loan?

Nevada
If you do not pay your loan as agreed, Moneytree is committed to collecting your debt in a professional, fair and lawful manner. We follow applicable provisions of the Fair Debt Collection Practices Act when collecting defaulted loans.

We will contact you and ask for payment in full, and we may make reasonable payment arrangements with you. We may refer your account to an outside collection agency. We may evaluate your credit limit if your loan is not paid as agreed. You can reach Moneytree’s Payment Center at 1.888.516.6643 for more information.

  • Payday Loan > You will be charged a one-time $25 fee if your check or ACH returns unpaid.
  • Payday Loan without a Checking Account > You will be charged a late payment fee of no more than $25 if your payday loan without a check is paid after the due date.
  • Installment Loan > You will be charged a $25 fee if your check or ACH payment returns unpaid.
  • Title Loan > You will be charged a $25 fee if your check or ACH payment returns unpaid. We have the option to repossess the car used as collateral for the loan if the loan payments are not made per the terms of the loan agreement.

What happens if I default on my loan?

California

If you do not pay your loan as agreed, Moneytree, Inc. is committed to collecting your debt in a professional, fair and lawful manner. We follow the applicable provisions of the Fair Debt Collection Practices Act when collecting defaulted loans. We will contact you and ask for payment in full, and we may make reasonable payment arrangements with you. We may refer your account to an outside collection agency or take civil action to collect the debt. After a loan goes into default status, we may re-evaluate your credit limit. You can reach Moneytree’s Payment Center at 1.888.516.6643 for more information. You will be charged a one-time $15 fee if your check returns unpaid.

What happens if I have difficulty repaying my loan on my due date?

Nevada
If circumstances arise that change your ability to repay, Moneytree offers the CFSA Extended Payment Plan for payday loans and payday loans without a check. You may request a payment plan to restructure the payment terms to at least four (4) substantially equal payments. You may choose this option once per 12-month period. You may choose this option prior to the time we deposit (or default) your current loan. There is no charge to enter into the CFSA Extended Payment Plan. Additional details about this option are available at any Moneytree branch. After repaying your CFSA Extended Payment Plan, we may re-evaluate your credit limit.

When collecting any consumer loan that is not paid as agreed, if Moneytree commences civil action, the process of alternative dispute resolution, or repossessing a vehicle, you will be offered the opportunity to enter into a statutory repayment plan pursuant to NRS 604A.475.

What happens if I have difficulty repaying my loan on my due date?

Idaho
If circumstances arise that change your ability to repay, Moneytree offers a Payment Plan for payday loans and loans without a checking account. You may request a payment plan to restructure the payment terms to at least four (4) substantially equal payments for at least 60 days. You may choose this option once per 12-month period. You may choose this option prior to the time we deposit (or default) your current loan. There is no charge to enter into the Payment Plan. Additional details about this option are available at any Moneytree branch. After repaying your payment plan, we may re-evaluate your credit limit.

What is a payday loan?

California, Idaho, Nevada, Washington

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

What is an ACH transaction?

AllStates

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

What is the cost of a Loan without a Checking Account?

Idaho
Loan without a Checking Account > A loan without a checking account costs $22 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $122 and has an APR (Annual Percentage Rate) of 573.57%.

What is the cost of a Payday Loan without a Check?

Nevada
Payday Loan without a Check > A loan without a checking account costs $22 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment amount of $122 and has an APR (Annual Percentage Rate) of 573.57%.

What is the cost of a Payday Loan?

Nevada
Payday Loan > 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%.

What is the cost of a Payday Loan?

Idaho
Payday Loan > 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%.

What is the cost of a Title Loan?

Idaho
Title Loan > A title loan costs $25 per $100 borrowed. For example, a $500 loan due in 30 days would have a total repayment of $625 and has an APR (Annual Percentage Rate) of 304.17%.

What is the cost of a Title Loan?

Nevada
  • Title Loan > The amount of the payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan as an example:
  • 6 Month Loan Term - A $500 loan would cost $863.88 which includes finance charges of $363.88 and is based upon you agreeing to make 14 full payments of $57.60 and one final payment of $57.48 with an APR (Annual Percentage Rate) of 202.01%.

What is the cost of an Installment Loan?

Nevada
  • Installment Loan > The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan as an example:
  • 3 Month Loan Term - A $500 loan would cost $771.47 which includes finance charges of $271.47 and is based upon you agreeing to make 5 payments of $128.58 and one final payment of $128.57 with an APR (Annual Percentage Rate) of 364%.***

What is the cost of an Installment Loan?

Idaho
Installment Loan > The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $500 loan as an example:

12 Month Loan Term - A $500 loan would cost $1,699.54 which includes finance charges of $1,199.54 and is based upon you agreeing to make 25 payments of $65.39 and one final payment of $64.79 with an APR (Annual Percentage Rate) of 323.96%.

What services does Moneytree offer?

California, Idaho, Nevada, Washington, Colorado

Moneytree offers a variety of financial services that compete with products offered by banks, credit unions, Internet providers and other retailers. At Moneytree, customers have access to flexible, convenient options delivered with exceptional customer service including:

Check Cashing
While check cashing services are available at banks, credit unions and grocery stores many consumers choose to cash their checks at Moneytree. For a small percentage of the check amount, customers receive immediate cash. View the check cashing rates for your area by finding your local Moneytree branch.

Consumer Loans
Moneytree offers a wide array of loans to meet customers’ credit needs. Depending on the market, products include payday loans, payday loans without a check, title loans, auto equity loans, and installment loans.

Payday loans meet short-term credit demands. These loans may allow customers to avoid late payments, paying late fees assessed by credit card companies, incurring merchant and bank bounced check fees, or accessing overdraft protection funds.

Apply online for a payday loan in California, Idaho, Nevada and Washington. You can also make a payment or renew your loan (select states) online.

Moneytree offers title loans (also called auto equity loans) in select markets. Many times these loans offer longer repayment periods.

Moneytree also offers installment loans in select markets. These loans offer longer repayment periods than payday loans or payday loans without a check, and can be paid off in periodic installments.

View loan options for your area by finding your local Moneytree branch.

 

Business Loans
Moneytree business loans are available online or in branches to California (San Diego area only), Idaho, Nevada, and Washington business owners. Convenient, flexible and immediate business financing helps business owners take advantage of growth opportunities, cover day-to-day expenses and regulate cash flow.

Apply online for a business loan (California, Idaho, Nevada or Washington business owners).

Prepaid Debit Cards
Prepaid debit cards can provide customers with a safe, secure alternative to traditional banking. Customers can only spend what they load on the card. The Visa Prepaid Card can be purchased at any U.S. Moneytree branch by customers who are at least 18 years of age and can be used everywhere Visa debit cards are accepted. There is no fee to load or unload cash at any Moneytree branch and customers who have a prepaid card purchased at Moneytree never pay for money orders. Learn more!

Western Union Convenience Pay and Wire Fund Transfer
Moneytree is an agent of Western Union. Customers can receive wire transfers, pay bills or send money to individuals or companies throughout the United States and around the world.

Western Union Money Orders
Customers use money orders to make payments by check when they choose not to use a check from their personal account. Vendors who don’t accept personal checks will typically accept money orders for payment. Money orders are available in any amount up to $1,000 and are free with any check cashing or loan transaction.

Bill Pay Services
Moneytree offers bill payment services through CheckFreePay, a walk-in electronic bill payment solution. Customers can pay bills for a small fee.

Other Services
In addition, Moneytree offers fax services, sells stamps, and participating branches sell bus passes, buy gold and purchase your unwanted gift cards.

Customer Notice: A single payday loan is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions. Licensed by the Department of Business Oversight pursuant to the CA Deferred Deposit Transaction Law to make consumer loans. Licensed by the Department of Business Oversight pursuant to the CA Finance Lenders Law to make business loans.

What types of checks will Moneytree cash?

AllStates

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.

When do I need to repay my loan?

California

Your loan will be due on your next payday unless it falls within 9 days or less, in which case you may choose the following payday. The maximum loan term per the Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law is 31 days.

When do I need to repay my loan?

Washington

The term of a payday loan is determined by the frequency of your paydays. If your next payday is within 9 days from the date you take out the loan, you can choose to repay your loan on the subsequent payday.  In all cases, the minimum loan term is 8 days. The maximum loan term per Washington law is 45 days.

When do I need to repay my loan?

Colorado

Loan payments are set up on your paydays in substantially equal installments.

Where are your locations?

AllStates

Moneytree has branches located throughout California (in San Diego and near Los Angeles), Colorado, Idaho, Nevada, Washington and in British Columbia, Canada. To find a branch near you, please visit our Locations page and enter your city, state or zip code” field or call 888.604.MONY (6669).

Where is Moneytree located?

AllStates

Moneytree has branches located throughout Southern California, Colorado, Idaho, Nevada, Washington and in British Columbia, Canada. Call 888.604.MONY (6669) or visit our branch locator to find the location nearest you.

Why do businesses choose to cash their checks at Moneytree?

AllStates

Businesses choose to cash their checks at Moneytree because we offer a quick and convenient check cashing option and are open extended hours including evenings and weekends. Moneytree gives companies immediate cash rather than requiring them to wait for their money.

Why do people choose a payday loan?

AllStates

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

Why do people choose to cash checks with Moneytree?

AllStates

Moneytree offers a quick and convenient check cashing option, we are open extended hours when most banks are closed and give you immediate cash.