Moneytree works hard to be the best provider of payday loans and other financial services. Whether you apply online or in a Branch, a Moneytree Payday Loan is fast, simple and secure.

What do I need to apply?

As part of the application process, you will need to provide the following:
 
  1. Your ID and Social Security Number (or Alien Registration Number or ITIN)
  2. Your address and phone number(s)
  3. Your source(s) of income
  4. 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
 

Have a question?

Contact our Customer Service Team between 6am and 11pm PT, seven days a week.

  • Phone: 877.613.MONY (6669)
  • Email: comments@moneytreeinc.com

What is the term of a payday loan?

The term is determined by the frequency of your paydays. 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.

How much does a payday loan cost?

The fee for a payday loan is $16.50 per $100 borrowed. This means that the APR (annual percentage rate) for a 14-day loan would be 430.18 %.*

*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: 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.

Moneytree is licensed by the Nevada Financial Institutions Division and registered with the federal government as a Money Services Business (MSB). 

Moneytree is a member of the Community Financial Services Association (CFSA), the Financial Service Centers of America (FiSCA), California Financial Service Providers Association (CFSP), an the Colorado Financial Services Centers Association (COFiSCA). Moneytree actively supports laws, regulations and industry best practices that protect consumers and preserve access to credit. As a member of the Community Financial Services Association of America (CFSA), our company encourages responsible industry practices and proudly supports and abides by CFSA’s Best Practices.

 

Nevada FAQ

How is my loan due date determined?

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 (or next calendar day) throughout the term of the loan.

Can I make payments online or by phone?

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.
  • Loans scheduled to be paid in cash: Payments can be made online on or before 11 pm Pacific Time.
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.
  • Loans scheduled to be paid in cash: Call Customer Service at 1.800.745.1011 before 11 pm Pacific Time on or before the payment due date to make a telephone payment using your debit card.

Can I pay off my loan before it is due?

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

Can I renew or refinance my loan?

For a payday loan 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 loans and title loans cannot be refinanced.
 

How do I repay my consumer loan?

Payment options vary depending on your loan agreement. 

Payday Loan 
  • 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. 
  • Repay your loan in full, in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch. 
  • Repay your loan in full online using your debit card or your checking account information. 
  • Repay your loan in full over the phone using your debit card. 
Signature Loan 
  • Repay your loan in full, in cash, before the end of business on the due date in any Moneytree Branch. 
  • If you have a checking account, repay your loan in full online using your debit card or checking account information. 
  • Repay your loan in full over the phone using your debit card. 
Installment Loan 
  • You may authorize ACH debit 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. 
  • Make your loan payment online using your debit card or your checking account information. 
  • Make your loan payment over the phone using your debit card. 
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 cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch. 
  • 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. 
  • Make your loan payment online using your debit card or your checking account information. 
  • Make your loan payment over the phone using your debit card. 

How does Moneytree work with credit counseling agencies?

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 is my loan limit established?

Your loan limit will be established based on:
  • Your income;
  • The information you provide in the loan application;
  • Your credit history with Moneytree;
  • The information in your consumer report provided by a consumer reporting agency; and
  • The value of your collateral (title loans). 
You can borrow any amount up to your loan limit. Your loan limit may change if any of the above changes.
 

What if I can’t repay my loan on my due date?

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. 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.
 

What if I default on my loan?

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 check or 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.
You can reach Moneytree's Payment Center at 1.888.516.6643 for more information.
 

What is the cost of a consumer loan?

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%.* 
Signature Loan: 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.*

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 with biweekly payments 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 due every two weeks and one final payment of $128.57 with an APR (Annual Percentage Rate) of 364.00%.*

Title 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 with biweekly payments 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 payments of $57.60 due every two weeks and one final payment of $57.48 with an APR (Annual Percentage Rate) of 202.01%.*

*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.
 

How do I repay my online Payday Loan?


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.