Washington Payday Loans

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

Instant Funding - Your Money.
In Your Account.
Right Now.

Instant Funding - Your Money.
In Your Account.
Right Now.

Instant Funding - Your Money.
In Your Account.
Right Now.

With Instant Funding you can deposit your loan funds into your debit card account in a snap.
Borrow Up to $7001 Today

How the Payday Loan Process Works

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Application

Apply at one of our local Branches.

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Approval

Once your application and loan documents are verified, approval takes minutes.

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Receive Your Funds

Options include: cash in-branch or instant funding to your debit card account

Payday Loans are available up to $7001.

You can borrow any amount up to your loan limit. Your loan limit will be established based on:

  • Your income
  • The information you provide on your loan application
  • Your credit history with Moneytree
  • The information in your consumer report provided by a consumer reporting agency
  • Information about your lending activity contained in a state-maintained database

Your loan limit may change if any of the above changes.

1Subject to qualifications and limitations.

Loans2 Up to $7001

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.

2Washington law does not permit lenders to lend to individuals who have taken out over eight (8) payday loans from a Washington-licensed payday lender during the prior 12-month period.

*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.

Moneytree Washington Consumer Loan Comparison Chart

  PAYDAY LOAN SIGNATURE LOAN INSTALLMENT LOAN
Loan Amount Up to $700 Up to $500 $50 - $700
Cost $15 per $100 up to $500 and $10 per $100 on amounts over $500 $15 per $100 up to $500 $15 per $100 up to $500 and $10 per $100 on amounts over $500
Terms Available Next payday Next payday Min 60 days - Max 90 days
No. of Payments 1 1 1 per payday
Renewal or Refinance Option? No No No

*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.

  • ID and social security number (or alien registration number or ITIN)
  • Physical address & contact phone number
  • Documents to verify the source and amount of your income and to verify your ability to repay
  • Open checking account information

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Secure

Moneytree is a direct lender and never sells your information.

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Licensed

We're licensed by the Washington State Department of Financial Institutions.

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Fast

Our Team will let you know in minutes how much you qualify to borrow.

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Service

Our Mission is to exceed your expectations. Visit a Branch today and learn more from one of our knowledgeable and friendly Tellers!

Questions about payday loans? Call our Customer Service Team at 1-800-745-1011.

Click to View Sample Loan Fees

1Subject to qualifications and limitations.

Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply.

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.

Washington FAQs

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

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.

Online Payments

  • Online payments may be made at moneytreeinc.com/payments before 2:45 PM PT on the loan payment due date using your debit card.

Telephone Payments

  • Call Customer Service at 1-800-745-1011 before 2 PM PT on the payment due date to make a payment using your debit card.

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

Loan renewals are not available in Washington.

To verify or change your payment due date, please log in to your Moneytree online account. If you don’t have an online account, and wish to set one up, please register online, call or visit any Moneytree branch or contact our Customer Service Team at 1-800-745-1011.

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 loan at loan origination. Your paper check(s) may be turned into electronic check(s) that will be presented to your bank on the loan/payment due date(s). Or 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.
  • You may make your loan payment(s) online or over the phone using your debit card.

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.

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

 

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 Notices:
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.

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.

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.

Copyright 2000 -  Moneytree, Inc. All Rights Reserved

P.O. Box 58443, Seattle, WA 98138