Q: I am a covered borrower; can I still cash checks, buy money orders, load or unload my prepaid debit card, or send wire transfers through Western Union at Moneytree?

Yes. The law’s limitations apply only to “consumer credit.” You are welcome to visit any Moneytree Branch to cash checks, purchase money orders, send and receive wire transfers and process prepaid debit card transactions.

Question 1

I am a covered borrower; can I still cash checks, buy money orders, load or unload my prepaid debit card, or send wire transfers through Western Union at Moneytree?

Accepted Answer

Yes. The law&#8217;s limitations apply only to &#8220;consumer credit.&#8221; You are welcome to visit any Moneytree Branch to cash checks, purchase money orders, send and receive wire transfers and process prepaid debit card transactions.

Question 2

How does Moneytree determine my &#8220;covered borrower&#8221; status as defined by the Military Lending Act?

Accepted Answer

Moneytree may receive information about your military “covered borrower” status from a third-party credit reporting agency or from the Department of Defense. If you are listed as a &#8220;covered borrower&#8221; but you believe you are not a &#8220;covered borrower,&#8221; you must contact the credit reporting agency or Department of Defense to correct your status.
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Question 3

What if I am unable to repay my Washington loan on my due date?

Accepted Answer

If you are unable to pay your loan when it is due, Moneytree offers a payment plan. You must request a payment plan before the deposit time on the day your loan is due. If the amount you owe is $400 or less, you can enter into a payment plan to repay in substantially equal payments over 90 days. If the amount you owe is more than $400, you can enter into a payment plan to repay in substantially equal payments over 180 days. There is no charge to enter into the payment plan. You will not be eligible to take out a payday loan, signature loan or installment loan from any Washington licensed lender until your payment plan is paid in full. You can obtain additional details by contacting Customer Service at 1-800-745-1011 or by visiting a branch.

Question 4

What if I miss a payment or a payment returns? (Washington)

Accepted Answer

You will be charged a one-time $25 fee if your check or ACH returns unpaid. You can reach Moneytree&#8217;s Payment Center at 1-888-516-6643 for more information.

Question 5

How do I repay my Washington loan?

Accepted Answer

Payment options vary depending on your loan agreement.
Payday Loan or Installment Loan

You may authorize ACH debit payment(s), debit card payment(s), or set up post-dated check(s) to repay your loan at loan origination.
You may make your loan payment(s) in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card.

Signature Loan

You may repay your loan in any Moneytree branch using cash or your debit card. You may repay your loan online or over the phone using your debit card, before the end of business on the due date.

Question 6

Can I renew or refinance my Washington payday or installment loan?

Accepted Answer

Loan renewals are not available in Washington.

Question 7

How is my Washington loan (or payment) due date determined?

Accepted Answer

Your loan will be due on the date set forth in the loan agreement.
Payday Loan
Your loan will be due on the date set forth in the loan agreement; typically your next payday. If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday. The minimum loan term is 8 days and the maximum loan term is 45 days.
Installment Loan
Payment due dates are based on your pay schedule with payments due on each payday throughout the term of the loan. Loan terms are between 60 and 90 days.

Question 8

What if I miss a payment or a payment returns? (Nevada)

Accepted Answer

Payday Loan:
If your check or ACH returns unpaid, you will be charged a one-time $25 fee.
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 payment returns unpaid. You can reach Moneytree&#8217;s Payment Center at 1-888-516-6643 for more information.

Question 9

How do I repay my Nevada loan?

Accepted Answer

Payment options vary depending on your loan agreement.
Payday Loan (single payment) or Installment Loan (multi-payment)

You may authorize ACH payment(s), debit card payment(s), or set up post-dated check(s) to repay your loan at loan origination.
You may make your loan payment(s) in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card.

Signature Loan

You may repay your loan in any Moneytree branch using cash or your debit card. You may repay your loan online or over the phone using your debit card, before the end of business on the due date.

Title Loan

You may authorize ACH debit payments or set up cash payments at loan origination.
If you choose ACH payments, you may make your loan payment in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card, before the deposit time on the due date.
If you choose cash payments, you may make your loan payment in cash, or using your debit card, before the end of business on the due date in any Moneytree Branch, or online or over the phone, using your debit card.

Question 10

Can I renew or refinance my Nevada payday or installment loan?

Accepted Answer

Payday or Signature Loan: 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 four (4) 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, the loan must be paid in full. Installment or Title Loan: Loans cannot be refinanced.

Question 11

How is my Nevada loan (or payment) due date determined?

Accepted Answer

Your loan will be due on the date set forth in the loan agreement.
Payday or Signature Loan
If your next payday is within 7 days or less (9 days if paid weekly or monthly) you can repay on the following payday. The maximum loan term per Nevada law is 35 days.
Installment or Title Loan
Payment due dates are based on your pay schedule with payments due on each payday throughout the term of the loan.

Question 12

What if I default on my loan? (Idaho)

Accepted Answer

Payday Loan:
If your check or ACH returns unpaid, you will be charged a one-time $20 fee.
Signature Loan:
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 & Signature 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 $10 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 $10 or 5% of the amount of the outstanding payment, whichever is greater.
You can reach Moneytree&#8217;s Payment Center at 1-888-516-6643 for more information.

Question 13

What if I am unable to repay my Idaho payday or signature loan on my due date?

Accepted Answer

If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans and signature loans. You must request a payment plan before the deposit time on the day your loan is due to restructure the payment terms to at least four (4) substantially equal payments for at least 60 days. There is no charge to enter into the payment plan. You can obtain additional details by contacting Customer Service at 1-800-745-1011 or by visiting a Branch.

Question 14

How do I repay my Idaho loan?

Accepted Answer

Payment options vary depending on your loan agreement.
Payday Loan

You may authorize ACH debit payments, debit card payments or set up post-dated check payments at loan origination. You can opt to have your paper check physically deposited rather than electronically presented.
You may make your loan payment(s) in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card.

Signature Loan

You may repay your loan in any Moneytree branch using cash or your debit card. You may repay your loan online or over the phone using your debit card, before the end of business on the due date.

Installment Loan

You may authorize ACH debit payments, debit card payments or set up post-dated check payments at loan origination.
Make your loan payment in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch, or online or over the phone using your debit card.

Signature Installment Loan

You may make your loan payment(s) in cash, or using your debit card, before the end of business on the due date in any Moneytree branch, or online or over the phone using your debit card.

Auto Equity Loan & Title Loan

You may authorize ACH debit payments or set up cash payments at loan origination.
If you choose ACH payments, you may make your loan payment in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card, before the deposit time on the due date.
If you choose cash payments, you may make your loan payment in cash, or using your debit card, before the end of business on the due date in any Moneytree Branch, or online or over the phone, using your debit card.

Question 15

Can I renew or refinance my Idaho payday or installment loan?

Accepted Answer

Payday or Signature Loan: 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. Installment or Auto Equity Loan: Loans may be refinanced up to six (6) times, after which time the loan must be repaid in full before additional credit may be extended. Title Loan: Loans cannot be refinanced.

Question 16

How is my Idaho loan (or payment) due date determined?

Accepted Answer

Your loan will be due on the date set forth in the loan agreement.
Payday or Signature Loan
If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday.
Installment or Auto Equity Loan
Payment due dates are based on your pay schedule with payments due on each payday throughout the term of the loan.
Title Loan
The due date is 30 days from the date you take out the loan.

Question 17

What if I default on my loan? (Colorado)

Accepted Answer

If your ACH payment returns unpaid, you will be charged a $25 fee for each returned item. You can reach Moneytree&#8217;s Payment Center at 1-888-516-6643 for more information.
Learn more

Question 18

How do I repay my Colorado loan?

Accepted Answer

Payment options vary depending on your loan agreement.

You may authorize ACH debit payments, debit card payments or set up cash payments at loan origination.
You may make your loan payment(s) in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card.

Learn more

Question 19

Can I refinance my Colorado installment loan?

Accepted Answer

No. Installment loans are not eligible for refinancing.
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Question 20

Can I pay off my Colorado installment loan loan before it is due?

Accepted Answer

You can prepay your loan in full prior to the due date with no prepayment penalty. In some instances, paying the loan off in full prior to the maturity date may result in a rebate of a portion of the acquisition charge and a portion of the installment account handling charge.
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Question 21

How are my payment due dates determined? (Colorado)

Accepted Answer

Your payments will be due on the dates set forth in the loan agreement; typically on your paydays.
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Question 22

What if I default on my loan? (California)

Accepted Answer

If your check or ACH returns unpaid, you will be charged a one-time $15 fee. You can reach Moneytree&#8217;s Payment Center at 1-888-516-6643 for more information.
Learn more

Question 23

What if I am unable to repay my California loan on my due date?

Accepted Answer

If you are unable to pay your loan when it is due, Moneytree offers a payment plan for payday loans only. You must request a payment plan before the deposit time on the day your loan is due 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 payment plan. You can obtain additional details by contacting Customer Service at 1-800-745-1011 or by visiting a Branch.
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Question 24

How do I repay my California payday loan?

Accepted Answer

Payment options vary depending on your loan agreement.
You may authorize ACH debit payment(s), debit card payment(s), or set up post-dated check(s) to repay your payday loan at loan origination. You may opt to have your paper check(s) physically deposited. You may make your loan payment(s) in any Moneytree branch using cash or your debit card, or online or over the phone using your debit card.
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Question 25

Can I renew my California payday loan?

Accepted Answer

Payday loan renewals are not available in California.
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Question 26

Can I pay off my California payday loan before it is due?

Accepted Answer

You can prepay your loan in full prior to the due date with no prepayment penalty.
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Question 27

How is my California loan due date determined?

Accepted Answer

Your loan will be due on the date set forth in the loan agreement. If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday. The maximum loan term per California law is 31 days.
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Question 28

Is Moneytree licensed?

Accepted Answer

Yes, Moneytree is registered with the federal government as a Money Services Business (MSB) and licensed in each of the following states. Licensing information is available upon request.
California: Moneytree, Inc., is licensed by the Department of Financial Protection and Innovation. Licensing information is available upon request.
Colorado: Moneytree, Inc., is licensed by the State of Colorado Office of the Attorney General.
Idaho: Moneytree, Inc., is licensed by the Idaho Department of Finance.
Nevada: Moneytree, Inc., is licensed by the Nevada Financial Institutions Division.
Washington: Moneytree, Inc., is licensed by the Washington State Department of Financial Institutions.

Question 29

Does Moneytree offer prepaid debit cards?

Accepted Answer

Moneytree offers prepaid debit cards in each of its U.S. branches. Prepaid debit cards can be used to withdraw funds at ATMs, for point-of-sale transactions and online purchases from participating merchants. Additional fees may apply.
Prepaid cards are a safe way to budget and manage your cash.
Prepaid debit cards purchased at Moneytree include:

Different fee plans to fit your needs.
Companion cards to share your account.

Learn more

Question 30

Does Moneytree work with credit counseling agencies?

Accepted Answer

Moneytree cooperates with credit counseling agencies. The National Foundation for Credit Counseling (NFCC) can help you develop a budget and negotiate reduced payment arrangements with creditors. Visit nfcc.org or call 1-800-388-2227 for more information.

Question 31

Can I make loan payments online or by phone?

Accepted Answer

You can make an online payments by logging into your Moneytree online account. Telephone payments may be made by calling Moneytree Customer Service 1-800-745-1011.

Question 32

Does Moneytree obtain a consumer report on my credit as part of the loan application process?

Accepted Answer

Moneytree obtains consumer reports on your credit as part of some of its application processes, and we may report information concerning your performance of those loans such as late payments, missed payments, etc. Moneytree may also obtain consumer reports for a variety of other reasons, including but not limited to the following: to update, verify or change your account information; to investigate, prevent or mitigate the identity theft of any person; to verify your status under the Military Lending Act; to attempt collection on your account; or to comply with state database requirements, where applicable.

Question 33

What products and services does Moneytree offer?

Accepted Answer

At Moneytree, we offer a variety of financial products and services to fit your needs. In addition to our hassle-free online and in-branch borrowing options, we offer personal and business check cashing, prepaid debit cards, stamps, money orders, and Western Union wire transfers.
At Moneytree, you can get what you need when you need it, with exceptional service included! For more information, please visit your local branch or call one of our friendly Customer Service Team Members at 1-800-745-1011.
*The availability of additional products and services varies by state and branch location and may not be offered in your area. Wire transfer services are not available at Moneytree locations in Los Angeles.

Question 34

What products are available for business owners?

Accepted Answer

Moneytree provides check cashing services tailored for business customers. We cash checks made payable to your business and we don&#8217;t have dollar limits on the checks we cash. Banks often hold your check funds for days. Moneytree funds most check cashing transactions right away in cash or straight into your qualifying debit card account using our Instant Funding^ option.
^Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor and other third party posting delays or errors.

Question 35

Where are your branches located?

Accepted Answer

Moneytree has retail branch locations in California, Colorado, Idaho, Nevada and Washington. To find a branch near you, visit the Locations page.

Question 36

Does Moneytree buy unwanted gift cards?

Accepted Answer

Moneytree does not purchase or offer cash for unwanted gift cards.

Question 37

How do I apply for a Colorado installment loan?

Accepted Answer

Applying for an installment loan online or at any Colorado Moneytree branch is fast and simple. Here&#8217;s what you&#8217;ll need:

A valid ID and social security number (or alien registration number or ITIN)
Your physical address, phone number and a unique email address
Proof of income, such as a paystub or benefits statement
Open checking account

Gather your documents and apply online or at any Moneytree Colorado branch.
Moneytree does not make loans to &#8220;covered borrowers,&#8221; as defined under the Military Lending Act.
Learn more

Question 38

How do I apply for a Washington consumer loan?

Accepted Answer

Applying for a Washington Moneytree loan online (payday or installment only) or at any Washington Moneytree branch (all loan types) is fast and simple. Here&#8217;s what you&#8217;ll need:

A valid ID and social security number (or alien registration number or ITIN)
Your physical address, contact phone number and a unique email address
Proof of income, such as a pay stub or benefits statement
An open checking account (payday and installment loans)

Gather your documents and apply online or at any Washington Moneytree branch.
Moneytree does not make loans to &#8220;covered borrowers,&#8221; as defined under the Military Lending Act.
Learn More

Question 39

How do I apply for a Nevada consumer loan?

Accepted Answer

Applying for a Nevada Moneytree loan online (payday or installment only) or at any Nevada Moneytree branch (all loan types) is fast and simple. Here&#8217;s what you&#8217;ll need:

A valid ID and social security number (or alien registration number or ITIN)
Your physical address, contact phone number and a unique email address
Proof of income, such as a pay stub or benefits statement
An open checking account (payday and installment loans)
An unencumbered (i.e. no lienholders) title to a vehicle in an eligible state and if required, all co-owners of the vehicle must be present to sign to acknowledge Moneytree&#8217;s security interest, and the vehicle must be present (title loans)

Gather your documents and apply online or at any Moneytree Nevada branch.
Moneytree does not make loans to &#8220;covered borrowers,&#8221; as defined under the Military Lending Act.
Learn More

Question 40

How do I apply for an Idaho consumer loan?

Accepted Answer

Applying for an Idaho Moneytree loan online (payday or installment only) or at any Idaho Moneytree branch (all loan types) is fast and simple. Here&#8217;s what you&#8217;ll need:

A valid ID and social security number (or alien registration number or ITIN)
Your physical address, contact phone number and a unique email address
Proof of income, such as a paystub or benefits statement
An open checking account (payday and installment loans)
For auto equity and title loans, an unencumbered (i.e. no lienholders) title to a vehicle in an eligible state and if required, all co-owners of the vehicle must be present to sign to acknowledge Moneytree&#8217;s security interest and vehicle must be present

Gather your documents and apply online or at any Moneytree Idaho branch.
Moneytree does not make loans to &#8220;covered borrowers,&#8221; as defined under the Military Lending Act.
Learn More

Question 41

How do I apply for a California payday loan?

Accepted Answer

Applying for a payday loan online or at any California Moneytree branch is fast and simple. Here&#8217;s what you will need:

A valid ID and social security number (or alien registration number or ITIN)
Your physical address, phone number and a unique email address
Proof of income, such as a paystub or benefits statement
Open personal checking account

Gather your documents and apply online or at any Moneytree California branch.
Moneytree does not make loans to &#8220;covered borrowers,&#8221; as defined under the Military Lending Act.
Learn more

Question 42

Can I extend my loan or payment due date if I need more time?

Accepted Answer

To verify your loan or payment due date, or in some cases, make a change to your due date, log in to your Moneytree online account. If you don’t have an online account, you can call or visit any Moneytree branch or contact our Customer Service Team at 1-800-745-1011 to discuss due date options.

Question 43

What is the cost of a Washington installment loan?

Accepted Answer

Installment loans are available from $50 to $700¹ with approval.
An installment loan costs $15 for every $100 borrowed up to $500, and $10 per $100 on the amount over $500. 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 with biweekly payments with a 70-day loan term as an example:
70 Day Loan Term: A $500 loan would have a total repayment of $575, which includes finance charges of $75 and is based upon you agreeing to make five payments of $115, due every two weeks, with an APR (Annual Percentage Rate) of 126.03%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 44

What is the cost of a Washington signature loan?

Accepted Answer

Signature loans are available up to $500¹ with approval.
A signature loan costs $15 per $100 borrowed up to $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%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.

Question 45

What is the cost of a Washington payday loan?

Accepted Answer

Payday loans are available up to $700¹ with approval.
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%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 46

What is the cost of a Nevada title loan?

Accepted Answer

Title loans are available up to $25,000¹ with approval.
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 with biweekly payments with a six-month loan term as an example:
6 Month Loan Term: A $500 loan would have a total repayment of $862.74, which includes finance charges of $362.74 and is based upon you agreeing to make 14 payments of $57.52, due every two weeks, and one final payment of $57.46 with an APR (Annual Percentage Rate) of 201.44%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 47

What is the cost of a Nevada signature loan?

Accepted Answer

Signature loans are available up to $1,000¹ with approval.
A signature loan 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%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
Learn more

Question 48

What is the cost of a Nevada installment loan?

Accepted Answer

Installment loans are available from $50 to $5,000¹ with approval.
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 with biweekly payments and a three-month loan term as an example:
3 Month Loan Term: A $500 loan would have a total repayment of $771.04, which includes finance charges of $271.04 and is based upon you agreeing to make five payments of $128.51, due every two weeks, and one final payment of $128.49 with an APR (Annual Percentage Rate) of 363.48%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 49

What is the cost of a Nevada payday loan?

Accepted Answer

Payday loans are available up to $5,000¹ with approval.
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%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 50

What is the cost of an Idaho title loan?

Accepted Answer

Title loans are available up to $500¹ with approval.
A title loan costs $25 per $100 borrowed. For example, a $500 loan due in 30 days would cost $625 and has an APR (Annual Percentage Rate) of 304.17%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 51

What is the cost of an Idaho auto equity loan?

Accepted Answer

Auto equity loans are available up to $25,000¹ with approval.
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 with biweekly payments with a 12-month loan term as an example:
12 Month Loan Term: A $500 loan would have a total repayment of $1,014.08, which includes finance charges of $514.08 and is based upon you agreeing to make 25 payments of $38.99, due every two weeks, and one final payment of $39.33 with an APR (Annual Percentage Rate) of 159.76%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
Learn more

Question 52

What is the cost of an Idaho signature installment loan?

Accepted Answer

Signature installment loans are available from $50 to $2,000¹ with approval.
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 with biweekly payments with a 12²-month loan term as an example:
12 Month Loan Term: A $500 loan would have a total repayment of $1,880.82, which includes finance charges of $1,380.82 and is based upon you agreeing to make 25 payments of $72.33, due every two weeks, and one final payment of $72.57 with an APR (Annual Percentage Rate) of 363.61%.*
¹Subject to qualifications and limitations.
²Installment loans are available with a 12-month loan term. Once approved, you may choose to borrow a lesser amount for a shorter term.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 53

What is the cost of an Idaho installment loan?

Accepted Answer

Installment loans are available from $100 to $5,000¹ with approval.
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 with biweekly payments with a 12 ²-month loan term as an example:
12 Month Loan Term: A $500 loan would have a total repayment of $1,474.12, which includes finance charges of $974.12 and is based upon you agreeing to make 25 payments of $56.68, due every two weeks, and one final payment of $57.12 with an APR (Annual Percentage Rate) of 272.72%.*
¹Subject to qualifications and limitations.
²Installment loans are available with a 12-month loan term. Once approved, you may choose to borrow a lesser amount for a shorter term.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 54

What is the cost of an Idaho signature loan?

Accepted Answer

Signature loans are available up to $1,000¹ with approval.
Signature Loan: A signature loan costs $24 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $124 and has an APR (Annual Percentage Rate) of 625.71%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 55

What is the cost of an Idaho payday loan?

Accepted Answer

Payday loans are available up to $1,000¹ with approval.
Payday Loan: A payday loan costs $18.50 per $100 borrowed. For example, a $100 loan due in 14 days would have a total repayment of $118.50 and has an APR (Annual Percentage Rate) of 482.32%.*
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 56

What is a title loan?

Accepted Answer

Moneytree title and auto equity loans are convenient loans secured by your vehicle title. Apply for the cash you need quickly and easily at any participating Moneytree branch in Idaho (auto equity or title loans) or Nevada (title loans only). If approved, you can receive your funds in cash at a branch or have your funds sent to a qualified debit card account with our convenient Instant Funding* option.
*Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor, and other third-party posting delays or errors.
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Question 57

What is an installment loan?

Accepted Answer

With a Moneytree installment loan, you can get the cash you need today and repay the loan in convenient payments over time.
If approved, you can pick up your funds in a Moneytree branch or have your funds sent to a qualified debit card account with our convenient Instant Funding* option (in-branch and online), or to your bank account via ACH (online only).
You can apply for an installment loan online or in any Colorado, Idaho, Nevada, or Washington Moneytree branch.
*Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor, and other third-party posting delays or errors.
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Question 58

What is a signature loan?

Accepted Answer

Moneytree signature loans are short-term, single payment loans that don&#8217;t require you to have a bank account in order to qualify.
If approved, you can receive your funds in cash at a branch or have your funds sent to a qualified debit card account with our convenient Instant Funding* option. You can apply for a signature loan in any Idaho, Nevada or Washington Moneytree branch.
*Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor, and other third-party posting delays or errors.

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Question 59

What is a payday loan?

Accepted Answer

Moneytree payday loans (also known as cash advance loans) are short-term, single-payment loans that are convenient and fast. You can apply quickly and easily online or at any participating Moneytree branch.
If approved, you can pick up your funds in a Moneytree branch or have your funds sent to a qualified debit card account with our convenient Instant Funding* option (in-branch or online), or to your bank account via ACH (online only).
Moneytree offers payday loans online or in any California, Idaho, Nevada or Washington branch.
*Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor, and other third-party posting delays or errors.
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Question 60

What is the cost of a Colorado installment loan?

Accepted Answer

Moneytree Colorado installment loans for first-time borrowers are available in the amounts of $100, $325 or $525¹ with approval.
The amount of payments will vary based on the loan amount, the number of payments and the length of the loan. Using a $325 loan with biweekly payments and a six-month loan term as an example:
6 Month Loan Term: A $325 loan would have a total repayment of $420.00, which includes finance charges of $95.00, consisting of the acquisition charge and six installment account handling charges, and is based upon you agreeing to make 12 payments of $32.31, due every two weeks, and one final payment of $32.28 with an APR (Annual Percentage Rate) of 100.92%.*
You can apply online or visit any Moneytree branch in Colorado to get started.
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.
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Question 61

What is the cost of a California payday loan?

Accepted Answer

California Moneytree payday loans are available up to $255¹ with approval.
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%.*
You can apply online or visit any Moneytree branch in California to get started.
¹Subject to qualifications and limitations.
*The Annual Percentage Rate (&#8220;APR&#8221;) 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.

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Question 62

I applied for a loan online; how fast will I receive my money?

Accepted Answer

It depends on a number of things.

When applying online, it is important to submit all of the requested documentation and information. With all of the necessary information, Moneytree can typically make a loan decision quickly.
If you are approved, you will receive an email or text message with your approval and an offer of credit. If you are not approved, you will also be notified by email or text.
Once approved, you can log into your online account and choose how much you&#8217;d like to borrow, up to your approved amount, and how you want to receive your funds. The amount of time it takes to receive your funds will depend on your preferred funding method:

Pick up cash at your nearest Moneytree Branch (same day in states where available)
Instant Funding¹ to your qualifying debit card account (same day)
Load to Moneytree-issued prepaid debit card (same day)
ACH deposit to your bank account (up to 5 business days)

¹Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor and other third party posting delays or errors.

Question 63

What types of checks does Moneytree cash?

Accepted Answer

Moneytree cashes many types of checks at competitive rates, including cashier&#8217;s checks, government checks, payroll checks, business checks, settlement checks, money orders, tax refund checks and more. There are no limits on amounts, and there are no bank holds on your funds.
Check cashing funds are payable in cash, can be loaded onto your prepaid debit card or deposited into your debit card account with our Instant Funding¹ option. Most check cashing transactions are fast and simple and take a matter of minutes².
Rates vary by market and type of check. You can find the check-cashing rates listed online for your neighborhood branch in California, Colorado, Idaho, Nevada and Washington.
¹ Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances, funds are transferred in approx. 30-45 minutes, but can take longer. Moneytree is not responsible for bank, processor and other third-party posting delays or errors.
²Subject to verification and cash availability.

Question 64

How much does it cost to cash a check at a Moneytree branch?

Accepted Answer

Check-cashing rates vary by market and type of check. You can find the check-cashing rates listed online for your neighborhood branch in California, Colorado, Idaho, Nevada and Washington.

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