Instant Funding

Blue car zooming past a bank, on a yellow background.

Your Money.
In Your Account.
Right Now.

Instant Funding to Your Debit Card Account

Instant Funding is exactly what it sounds like – your funds available in an instant, loaded directly to your debit card account. No more extra trips to deposit cash in the bank, no waiting one to three days for your online loan funds to deposit via ACH. With Instant Funding, you can get access to your funds right away.

Available for Check Cashing and Loan Transactions

So whether you’re cashing a check or taking advantage of one of our in-branch or online borrowing options, you can select Instant Funding, and your funds will be available in your debit card account faster than you can spell C-A-S-H.

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 posting delays or errors.

Choose your region below to get started.

California

Colorado

Idaho

Nevada

Washington

Reviews

Thanks so much.

Thanks so much, I give y’all a 5-star rating and recommend anyone to go here. — Esther

This is the spot!

This is the spot! Great staff and amazing customer service. — Erick D.

I think this place is fantastic.

I think this place is fantastic. They always cash my checks with no hassle: personal and business for a very low rate. I love it and it is less expensive than my bank. I'm so thankful that you guys are so accommodating. — Lance B.

Always a pleasure to deal with.

I have been dealing with this Moneytree location since they opened, along with quite a few other business owners. The staff there is honest and very down to earth and always polite. They always go out of their way and do such a great job! When dealing with them on a regular basis they get to know you and address you by name and they greet you when you walk in. Always a pleasure to deal with. Thanks everyone at Moneytree. Excellent service each and every time! — Greg H.

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 Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law to make consumer loans.

Colorado: 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 a 10% acquisition charge and a 98-day loan term as an example: A $500 loan would cost $595 which includes finance charges of $95, consisting of the acquisition charge and three installment account handling charges, and is based upon you agreeing to make seven payments of $85 due every two weeks, with an APR (Annual Percentage Rate) of 118.25%.*

Idaho: 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%.*

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 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.

CUSTOMER NOTICE:
Deferred Deposit 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.

To view our Privacy Policy, please visit our Privacy Policy page.

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.