Frequently Asked Questions 

Can I prepay my loan?Idaho, Nevada
Can I renew my loan?California
Can I renew my loan?Washington
Does Moneytree abide by industry best practices?California, Idaho, Nevada, Washington, Colorado
Does Moneytree check my credit report as part of the loan application process?California, Idaho, Nevada, Washington, Colorado
How do I repay my online Payday loan? California, Idaho, Nevada, Washington
How does Moneytree work with credit counseling agencies?California, Idaho, Nevada, Washington, Colorado
How fast will I receive my money from my online payday loan?California, Idaho, Nevada, Washington
What are your hours?All States
What happens if I cannot repay Moneytree on my due date?California, Idaho, Nevada, Washington, Colorado
What if I change my mind about borrowing a Payday Loan?California, Idaho, Nevada, Washington
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?

All States

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 online?

All States

Currently this option isn’t available. Please call or visit any Moneytree branch or contact our Customer Service Team at 800.745.1011 to discuss options for extending your payment due date.

 

Can I extend my loan due date?

California

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

Can I pay my loan off before the due date?

All States

Yes. You can visit any Moneytree branch to pay off your current loan or log into your online account to make the payment. Payments in full can be made online using our "Make a Payment" form.

Can I pay off my loan early without a penalty?

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

Can I prepay my loan?

Idaho, 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 at 3pm Pacific Time / 4pm Mountain Time. 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 at 3pm (Pacific Time). 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?

California
  • Payday Loan > Renewals are not available in California
  • Installment Loan > You may refinance once you have paid down at least $1,300 or 50% of the principal. Installment loans may be refinanced up to three (3) times, after which time the loan must be repaid in full before additional credit may be extended.

Can I renew my loan?

Washington

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

Do you offer payment plans?

All States

Yes. If circumstances arise that change your ability to repay your payday loan or loan without a checking account 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

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 check my credit report as part of the loan application process?

California, Idaho, Nevada, Washington, Colorado
Yes, for new loan applicants we make inquiries concerning your credit history and standing with consumer reporting agencies, and we may report information concerning your payment performance to credit reporting agencies. Applications for credit, late payments, missed payments or other defaults on your account may be reflected in your credit report.

How are loan due dates determined?

Nevada
  • Payday Loan > The term is determined by the frequency of your paydays. Your loan will be due on your next payday or following business day. 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. Your loan will be due on your next payday or following business day. 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 (or the following calendar day) throughout the term of the loan.
  • Installment Loan > Payment due dates are based on your pay schedule with payments due on each payday (or the following calendar day) throughout the term of the loan.

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 or following business day. 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 or following business day. 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 > Payment due dates are based on your pay schedule with payments due on each payday (or the following calendar day) throughout the term of the loan. 
  • Installment Loan > Payment due dates are based on your pay schedule with payments due on each payday (or the following calendar day) throughout the term of the loan.

How are loan due dates determined?

California
  • Payday Loan > The term is determined by the frequency of your paydays. Your loan will be due on your next payday or following business day. 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. The maximum loan term per California law is 31 days.
  • Installment Loan > Payment due dates are based on your pay schedule with payments due on each payday (or next calendar day) 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.

Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents. Learn More.

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 written verification of 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.

Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents. Learn More

How do I qualify for a Payday loan?

All States

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

  • ID and Social Security Number (or Alien Registration number or ITIN)
  • Address and verifiable contact numbers
  • Verifiable source of income (written verification required in  Nevada)
  • An open checking account

Due to limitations imposed by the Military Lending Act, Moneytree does not make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents. Learn More.

To view state-specific loan qualification criteria, please visit your state's loan approval page.

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 may be turned into an electronic check that will be presented to your bank on the loan due date or you may opt to have the paper check deposited. 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. You can also make cash or debit card payments at any time prior to the 3 pm 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 prior to 3 pm Pacific Time on the loan payment due date to repay your loan payment in cash or with your debit card.
  • Title Loan > You may authorize ACH debit payments or set up cash payments. If you choose ACH payments, the deposit will be made at 3 pm Pacific Time and will be processed no earlier than 10 pm that night. You may make a cash or debit payment prior to the 3 pm deposit time. If you choose cash payments, you may make a payment any time until the close of business on the loan due date.
Payments may also be made using your debit card or checking account by visiting moneytreeinc.com/payments. Online payments can be made until 1 pm Pacific Time on the loan due date. Phone debit payments can be made until 2 pm Pacific Time prior to check or ACH deposits, or prior to 11 pm when cash payments are set up. 

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 Pacific Time (4 pm Mountain Time) and will be processed by your bank no earlier than 10 pm that night. You can also make cash or debit card payments at any time prior to the deposit.
  • 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 prior to 3 pm Pacific Time (4 pm Mountain Time) to pay your loan payment in cash or with your debit card.
  • Title Loan > You may authorize ACH debit payments or set up cash payments. If you choose ACH payments, the deposit will be made at 3 pm Pacific Time (4 pm Mountain Time) and will be processed no earlier than 10 pm that night. You may make a cash or debit payment prior to the deposit time. If you choose cash payments, you may make a payment any time until the close of business on the loan due date.
Payments may also be made using your debit card or checking account by visiting moneytreeinc.com/payments. Online payments can be made until 1 pm Pacific Time on the loan payment due date. Phone debit payments can be made until 2 pm Pacific Time prior to check or ACH deposits, or prior to 11 pm when cash payments are set up. 

How do I repay my consumer loan?

California
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 Pacific Time and will be processed by your bank no earlier than 10 pm that night. You can also make cash or debit card payments at any time prior to the 3 pm deposit.
  • Installment Loan > You may authorize ACH debit payments or set up post-dated check payments. Regardless of the payment option you choose when you enter into your loan, you may come in prior to 3 pm Pacific Time to make your loan payment in cash or with your debit card.
Payments may also be made online using your debit card or checking account by visiting moneytreeinc.com/payments. Online payments can be made until 1 pm Pacific Time on the loan due date. Phone debit payments can be made until 2 pm Pacific Time prior to check or ACH deposits.

How do I repay my online Payday loan?

California, Idaho, Nevada, Washington

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 or pay with a Visa or MasterCard debit card. Online payments can be made until 1 pm Pacific Time on the loan payment due date. Phone debit payments can be made until 2 pm Pacific Time on the loan payment due date. 

If you aren’t sure about your loan due date or the amount you owe, please call the Customer Service Team at 877.613.6669. They are available between 6am and 11pm, seven days a week.

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?

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 does Moneytree work with credit counseling agencies?

California, Idaho, Nevada, Washington, Colorado
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 fast will I receive my money from my online payday loan?

California, Idaho, Nevada, Washington

Once your payday loan has been approved, your money is available immediately for pick-up at any Moneytree branch. If you are an existing customer and have a prepaid debit card that you purchased at Moneytree, you can have the money instantly deposited on your card. Otherwise, your loan proceeds can be deposited into your checking account in 1-3 business days!

How much does it cost to cash a check?

All States

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?

All States

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.

If I need to borrow additional funds before my loan is due, can I add on to my original loan?

All States

Moneytree allows you to borrow up to the amount you qualify for. If you borrowed less than that amount and your loan was done in Idaho or Nevada, you can visit any branch and add onto your loan. If your loan was taken out in the state of Washington and was less than the amount you qualify for, you may borrow the additional amount, however the additional amount will count as a new loan and not as an add-on to the original loan.

Add-ons are not available in the states of California and Colorado.

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).

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).

What about fees?

Fees for payday loans, check cashing and all of our other services are available on each branch page. Type your city, state or zip code in the “Find a Branch” field and select a branch for details on fees, step-by-step driving directions, hours and other details. Find the Moneytree branch near you to learn more!

What are the benefits of using a prepaid debit card?

All States

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 sold 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?

All States

Moneytree branches are open extended hours including evenings, holidays and weekends to serve you!  Find the hours of the Moneytree branch near you or call 888.604.MONY (6669).

What can you tell me about the 2016 amendments to the regulations implementing the Military Lending Act?

All States
Beginning October 3, 2016, we are required to comply with recent amendments to the regulations implementing the Military Lending Act. Due to limitations imposed by the amended law, we will no longer make loans to "covered borrowers," a term which includes active duty members of the military, their spouses and dependents. More information is available here

What happens if I cannot repay Moneytree on my due date?

California, Idaho, Nevada, Washington, Colorado

We know that it is your intention to repay your loan on the due date. However, the answer to this question depends upon the state in which your loan originated.

For more information, please select your state: California Idaho Colorado Nevada Washington

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 alternate loan repayment options, please contact the Customer Service Department at 800.745.1011.

What happens if I default on my consumer loan?

Idaho
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 or take civil action to collect the debt including repossess any collateral securing the loan. 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 $20 fee if your check or ACH returns unpaid.
  • Loan without a Checking Account > There is a ten (10) day grace period after the due date during which your loan may be repaid in full at no additional cost. If the loan remains unpaid at the end of the grace period, you will be charged $12.50 or 5% of the amount of the loan, whichever is greater.
  • Installment Loan > There is a ten (10) day grace period after the payment due date during which your loan payment may be paid in full at no additional cost. If the loan payment remains unpaid at the end of the grace period, you will be charged $15 or 5% of the amount of the outstanding payment, whichever is greater.
  • Auto Equity Loan > There is a ten (10) day grace period after the payment due date during which your loan payment may be paid in full at no additional cost. If the loan payment remains unpaid at the end of the grace period, you will be charged $15 or 5% of the amount of the outstanding payment, whichever is greater. 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.
  • Title Loan > 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 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 or take civil action to collect the debt including repossess any collateral securing the loan. 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.
  • 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 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 reevaluate your credit limit. You can reach Moneytree’s Payment Center at 1.888.516.6643 for more information. 

  • Payday Loan > You will be charged a one-time $15 fee if your check or ACH returns unpaid.
  • Installment Loan > You will be charged a one-time $15 fee if your check or ACH payment returns unpaid.

What happens if I default on my loan?

Washington

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. You will be charged a one-time $25 fee if your check returns unpaid. We will contact you and ask for payment, and we may make reasonable payment arrangements with you. We may refer your account to an outside collection agency. You can reach Moneytree’s Payment Center at 1.888.516.6643 for more information.

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

California

If circumstances arise that change your ability to repay, we offer a payment plan for payday loans. 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 payment plan. Additional details about this option are available at any branch. After repaying your payment plan, we may reevaluate your credit limit.

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. 

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 a Payment Plan. Additional details about this option are available at any Moneytree branch. 

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

Washington
If circumstances arise that change your ability to repay, Moneytree offers a Payment Plan. You may request a payment plan by notifying us before 3 pm Pacific Time on the loan's due date (or close of business for payday loans without a check). If the amount you owe us is $400 or less, you may enter into a payment plan that allows you to pay off your loan in substantially equal payments over 90 days. If the amount you owe us is more than $400, you may enter into a payment plan that allows you to pay off your loan in substantially equal payments over 180 days. There is no charge to enter into a Payment Plan. Additional details about this option are available at any Moneytree branch. During the terms of the payment plan, you will not be eligible to take out a payday loan from any licensed Washington lender.
 

What if I change my mind about borrowing a Payday Loan?

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

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?

All States

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 amount 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 is the cost of an Installment loan?

California
  • 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 $2,600 loan with a $75 administrative fee as an example:  
  • 24-Month Loan Term: A $2,600 loan would cost $7,119.79 which includes finance charges of $4,519.79 and is based upon you agreeing to make 51 payments of $136.89 due every two weeks and one final payment of $138.40 with an APR (Annual Percentage Rate) of 121.28%.* These calculations include a $75 administrative fee that is fully earned at origination but does not accrue interest and is paid by your first payment. 

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 business owners in California (San Diego area only), Idaho, Nevada, and Washington. 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. Customers who have a prepaid card purchased at Moneytree don’t pay a fee to load or unload cash at any Moneytree branch or 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 sells stamps, and participating branches sell bus passes.

What types of checks will Moneytree cash?

All States

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. Your loan will be due on your next payday or following business day. 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 payment due dates are based on your pay schedule with payments due on each payday (or following calendar day) throughout the term of the loan. Customers paid weekly will have biweekly payments. Payments will be set up in substantially equal installments.

Where are your locations?

All States

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 or call 888.604.MONY (6669).

Where is Moneytree located?

All States

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?

All States

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?

All States

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?

All States

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