California Payday Loans

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“Answered all my questions and provided excellent customer service!! 10+stars!!”

Evelyn V.
Riverside, CA

Borrow Up to $255 Today

What do I need to apply?

A payday loan is a short-term loan between today and your next payday. Apply online or find a branch near you.

As part of the short application process, you’ll need:

  • Tax identification number (Social Security number, ITIN, Alien Registration number)
  • Proof of identification
  • A physical residence address
  • Verifiable income
  • A contact phone number at which you can be reached
  • An open checking account

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

How much does a payday loan cost?

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%.*

*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.

Click to View Sample Loan Fees

How do I apply?

Moneytree offers two simple ways to apply for a payday loan:

  • Visit a Branch. Find your neighborhood Moneytree with our Branch locator.
  • Apply online. After you apply, we’ll send an email within one hour with information about your loan status. Once approved, choose the amount you wish to borrow, a repayment date and how you’d like to receive your funds.

How the Payday Loan Process Works

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Application

Apply online or at one of our local Branches. It's simple and secure.

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Approval

Once your loan verification documents are received, approval only takes minutes.

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Cash in Hand

You choose how to get your money: deposited to your bank, prepaid debit card or pick up in a Branch. It's that easy.

Moneytree, Inc. is licensed by the California Department of Business Oversight. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).

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.

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.

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

Online Payments

Loans scheduled to be paid by ACH or post-dated check: Payments can be made online at moneytreeinc.com/payments on or before 1 pm Pacific Time on the payment due date using your debit card or checking account.

Telephone Payments

Loans scheduled to be paid by ACH or post-dated check: Call Customer Service at 1-800-745-1011 before 2 pm Pacific Time on or before the payment due date to make a telephone payment using your debit card.

Payday Loan

Loan renewals are not available in California.

Installment Loan

You may refinance your installment loan once you have paid down at least $1,300 or 50% of the loan 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.

Payment options vary depending on your loan agreement.

Payday Loan

  • You can write a post-dated check at loan origination for repayment. Your paper check will be turned into an electronic check for presentation to your bank. If you wish, you can opt to have your paper check physically deposited rather than electronically presented.
  • You can repay your loan in full, in cash, before the deposit time on the due date in any Moneytree Branch.
  • You can repay your loan in full using your debit card in any Branch.
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  • You can repay your loan in full online using your debit card or your checking account information.
  • You can also repay your loan in full over the phone using your debit card.

Installment Loan

  • You can make your loan payment in cash, before the end of business on the due date in any Moneytree Branch.
  • You can make your loan payment using your debit card in any Branch.
  • You can make your loan payment online using your debit card or checking account information.
  • You can also make your loan payment over the phone using your debit card.

Your loan will be due on the date set forth in the loan agreement.

Payday Loan

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.You can repay your loan in full, in cash, before the deposit time on the due date in any Moneytree Branch.

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.

Your loan limit will be established based on:

Payday Loan

  • Your income;
  • The information you provide in the loan agreement;
  • Your credit history with Moneytree; and
  • The information in your consumer report provided by a consumer reporting agency.

To apply for a Moneytree consumer loan you will need the following:

  • A tax identification number (Social Security Number, ITIN, Alien Registration Number)
  • Proof of identification
  • A physical residence address
  • Verifiable income
  • A contact phone number at which you can be reached
  • 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.

Payday Loan

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%.*

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.

*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.

Customer Notice: There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive. Licensed by the Department of Business Oversight pursuant to the CA Deferred Deposit Transaction Law to make consumer loans.

Loans made or arranged pursuant to a California Financing Law license.

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

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

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

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

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

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

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

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

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For Customer Service, please contact us at 1-800-745-1011.

*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.