Why Wait for Payday?
California Payday Loans
Why wait until payday when you need cash now? Apply for the cash you need quickly and easily online or at any California 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 and online), or to your bank account via ACH (online only).
Borrowing Made Easy
How Much Can I Borrow at Moneytree?
Payday loans are available up to $2551 with approval.
Don’t wait for payday. Get the cash you need now at Moneytree! Payday loans are short-term, single-payment loans that are convenient and fast.
The amount you can borrow*** is calculated and may change based on:
- Your Moneytree credit history
- Your current income
- Details provided on your loan application, and/or
- Information from your consumer credit report
Moneytree makes it easy to access funds when you need them most. Apply today!
*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
1Subject to qualifications and limitations.
**The Annual Percentage Rate (“APR”) is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.
*** Your account balance with Moneytree must be current and in good standing in order to take out a loan.
Moneytree does not make loans to “covered borrowers,” as defined under the Military Lending Act.
CUSTOMER NOTICE: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.
Licensed by the Department of Financial Protection and Innovation pursuant to the CA Deferred Deposit Transaction Law to make consumer loans.
How Much Does a Payday Loan Cost at Moneytree?
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 get your funds in cash, Instant Funding* deposited to your qualified debit card account, or by ACH to your bank account (online loans only).
You can apply online or visit any Moneytree branch in California to get started.
*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
1Subject to qualifications and limitations.
**The Annual Percentage Rate (“APR”) is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.
*** Your account balance with Moneytree must be current and in good standing in order to take out a loan.
Moneytree does not make loans to “covered borrowers,” as defined under the Military Lending Act.
CUSTOMER NOTICE: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.
Licensed by the Department of Financial Protection and Innovation pursuant to the CA Deferred Deposit Transaction Law to make consumer loans.
What Do I Need in Order to Apply for a Payday Loan at Moneytree?
Applying for a payday loan online or at any California Moneytree branch is fast and simple. Here’s what you’ll need:
- A valid ID and Social Security Number, ITIN, or Alien Registration Number
- Your physical address, phone number and a unique email address
- Proof of income, such as a pay stub or benefits statement
- An open personal checking account
Gather your documents and apply online or in person today!
*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
1Subject to qualifications and limitations.
**The Annual Percentage Rate (“APR”) is the cost of your loan expressed as a yearly rate. The actual APR for your loan may be higher or lower, depending on the actual amount you borrow and your actual repayment schedule.
*** Your account balance with Moneytree must be current and in good standing in order to take out a loan.
Moneytree does not make loans to “covered borrowers,” as defined under the Military Lending Act.
CUSTOMER NOTICE: There are a wide variety of financial products available in the marketplace, so your choice should match your financial needs. Small-dollar loans used over a long period of time can be expensive.
Licensed by the Department of Financial Protection and Innovation pursuant to the CA Deferred Deposit Transaction Law to make consumer loans.
Questions About Payday Loans?
Call our Customer Service Team at 1-800-745-1011.
California Payday Loan FAQs
Is Moneytree licensed?
Moneytree, Inc., is licensed by the Department of Financial Protection and Innovation. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).
How is my loan (or payment) due date determined?
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.
Can I pay off my loan before it is due?
Yes. Moneytree does not charge a pre-payment penalty if you choose to pay off your loan before the loan due date.
What if I miss a payment or a payment returns?
If your check or ACH returns unpaid, you will be charged a one-time $15 fee. You can reach Moneytree's Payment Center at 1-888-516-6643 for more information.
Visit our FAQ page for additional information.