• Call our friendly Customer Service Team at 1.800.745.1011. They are available seven days a week from 6 am to 11 pm (PST), or
• Visit a Moneytree Branch near you and speak to a Moneytree Team Member.

• Bill Pay: Say goodbye to the hassle of writing checks and buying stamps. Fast and efficient, Moneytree offers Western Union Convenience Pay services for select billing companies and bill payment service through CheckFreePay. 
• Money Orders: Branches sell money orders up to $1,000 dollars for less than most banks or other providers. Money orders are a safe, affordable and convenient alternative to managing a check account. Plus, money orders are always free with any check cashing or loan transaction! 
• Wire Transfer: With a Western Union wire transfer, a Moneytree Team Member can get funds to practically anywhere in the world and ready for pick up in a snap. 

• Tax identification number (Social Security Number, ITIN, Alien Registration Number)
• Proof of identification
• Physical residence address
• Verifiable income
• Contact phone number at which you can be reached
• Open checking account (payday loan & installment loan)
• Clear vehicle title (title loan & auto equity loan)

An installment loan is a short-term loan that requires no collateral. The loan is paid back over a period of months versus being repaid in full on your next payday. Installment loans are offered at Moneytree Branches in Colorado, Idaho and Nevada.

You may also apply online for an installment loan in Idaho or Nevada.

• 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.

• 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.

• Loan renewals are not available in California.

• 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.  

• 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.
• You can repay your loan in full online using your debit card.
• You can also repay your loan in full over the phone using your debit card.

• 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.
• You can also make your loan payment over the phone using your debit card.

• 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.

• 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 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.

• 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

Moneytree, Inc. is licensed by the State of Colorado Office of the Attorney General. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).

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.

If your ACH payment returns you can reach Moneytree's Payment Center at 1-888-516-6643 for more information.

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

No. Installment loans are not eligible for refinancing.

Please call or visit any Moneytree Branch or contact our Customer Service Team at 1-800-745-1011 to discuss extending a payment due date. You can also verify your payment due date by logging into your online account. If you do not have an online account, our friendly Customer Service Team Members will help you set one up quickly.

Payment options vary depending on your loan agreement. You may authorize ACH debit payments or set up cash payments at loan origination.

Branch Payments

• Make your loan payment in cash, or using your debit card, before the deposit time on the due date in any Moneytree Branch.

Online Payments

• Loan payments scheduled to be paid by ACH or cash: 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.

Telephone Payments

• Loan payments scheduled to be paid by ACH or cash: 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.

Your payments will be due on the dates set forth in the loan agreement; typically on your paydays or the following calendar day.

Your loan limit will be established based on:

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

Colorado law allows installment loans up to $1,000 or 25% of your gross monthly income, whichever is less. You can borrow any amount up to your loan limit. Your loan limit may change if any of the above changes.

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

• Tax identification number (Social Security Number, ITIN, Alien Registration Number)
• Proof of identification
• Physical residence address
• Verifiable income
• Contact phone number at which you can be reached
• 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.

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%.*

*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 is licensed by the Idaho Department of Finance. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).

Customer Notice: A single payday loan term is typically two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday loans are not recommended as long-term financial solutions.

Payday Loan

• If your check or ACH returns unpaid, you will be charged a one-time $20 fee.

Signature Loan

• There is a ten (10) day grace period after the due date during which your loan may be repaid in full at no additional cost. If the loan remains unpaid at the end of the grace period, you will be charged $12.50 or 5% of the amount of the loan, whichever is greater.

Installment & Signature Installment Loan

• There is a ten (10) day grace period after the payment due date during which your loan payment may be paid in full at no additional cost. If the loan payment remains unpaid at the end of the grace period you will be charged $10 or 5% of the amount of the outstanding payment, whichever is greater.

Title Loan

• 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.

Auto Equity Loan

• There is a ten (10) day grace period after the payment due date during which your loan payment may be paid in full at no additional cost. If the loan payment remains unpaid at the end of the grace period you will be charged $10 or 5% of the amount of the outstanding payment, whichever is greater.

You can reach Moneytree's Payment Center at 1-888-516-6643 for more information.

Online Payments

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

Telephone Payments

• Loans scheduled to be paid by ACH or post-dated check: Call Customer Service at 1-800-745-1011 before 2PM 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 11PM Pacific Time on or before the payment due date to make a telephone payment using your debit card.

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.
• 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.
• 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.
• Make your loan payment over the phone using your debit card.

Signature Installment Loan

• Make your loan payment in cash, or using your debit card, before the end of business on the due date in any Moneytree Branch.
• If you have a checking account, make your loan payment online using your debit card.
• Make your loan payment over the phone using your debit card.

Auto Equity Loan & 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.
• Make your loan payment over the phone using your debit card.

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 three (3) times. After three renewals, the loan must be paid in full.

Installment loans and auto equity loans may be refinanced up to six (6) times, after which time the loan must be repaid in full before additional credit may be extended.

A title loan cannot be refinanced.

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

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

Payday or Signature Loan

• If your next payday is within 9 days from the date you take out the loan, you can repay on the following payday.

Installment or Auto Equity 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.

Title Loan

• The due date is 30 days from the date you take out the loan.

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 (secured loans only). 

You can borrow any amount up to your loan limit. Your loan limit may change if any of the above changes.

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 and a 5% origination fee as an example: 12 Month¹ Loan Term – A $500 loan would cost $1,471.54 which includes finance charges of $971.54 and is based upon you agreeing to make 25 payments of $56.59 due every two weeks and one final payment of $56.79 with an APR (Annual Percentage Rate) of 272.17%.* These calculations include the uniform daily fee plus a 5% origination fee, which is fully earned at origination but does not accrue interest and is paid by your regularly scheduled payments.

Signature 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 and a 5% origination fee as an example: 12 Month¹ Loan Term – A $500 loan would cost $1,759.52 which includes finance charges of $1,259.52 and is based upon you agreeing to make 25 payments of $67.74 due every two weeks and one final payment of $66.02 with an APR (Annual Percentage Rate) of 337.44%.* These calculations include the uniform daily fee plus a 5% origination fee, which is fully earned at origination but does not accrue interest and is paid by your regularly scheduled payments.

Title Loan: A title loan costs $25 per $100 borrowed. For example, a $500 loan due in 30 days would cost $625 and has an APR (Annual Percentage Rate) of 304.17%.*

Auto Equity 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: 12 Month Loan Term – A $500 loan would cost $1,014.08 which includes finance charges of $514.08 and is based upon you agreeing to make 25 payments of $38.99 due every two weeks and one final payment of $39.33 with an APR (Annual Percentage Rate) of 159.76%.*

¹Installment Loans are available with a 12-month loan term. Once approved, you may choose to borrow a lesser amount for a shorter term.

*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

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

• Tax identification number (Social Security Number, ITIN, Alien Registration Number)
• Proof of identification
• Physical residence address
• Verifiable income
• Contact phone number at which you can be reached
• Open checking account (payday loan & installment loan)
• Clear vehicle title (title loan & auto equity loan)

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.

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 for at least 60 days. 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.

Moneytree is licensed by the Nevada Financial Institutions Division. Licensing information is available upon request. Moneytree is registered with the federal government as a Money Services Business (MSB).

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.

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.

Online Payments

• Loans scheduled to be paid by ACH, post-dated check or cash: Payments can be made online at moneytreeinc.com/payments on or before 1 PM PT on the payment due date using your debit card.

Telephone Payments

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

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. 
• 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. 
• 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. 
• 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. 
• Make your loan payment over the phone using your debit card. 

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.

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

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.

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.

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 $771.04 which includes finance charges of $271.04 and is based upon you agreeing to make 5 payments of $128.51 due every two weeks and one final payment of $128.49 with an APR (Annual Percentage Rate) of 363.48%.*

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.

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

• Tax identification number (Social Security Number, ITIN, Alien Registration Number)
• Proof of identification
• Physical residence address
• Proof of income
• Contact phone number at which you can be reached
• Open checking account (payday loan & installment loan)
• Clear vehicle title (title loan)

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.

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.

Moneytree establishes credit limits for first-time Washington loan Customers based on:

• State Law - state statutory maximum credit limits
• Loan Application - information from your loan application
• Credit Reporting Agency - information about you received from a Consumer Reporting Agency

Once established, what can affect my credit limit?

INCREASE

1. Paying off consecutive loans before, on, or within, 35 days of the original Maturity Dates of your loans,* subject to state limits on the amount Moneytree can lend.
2. Increases in the amount of your income, subject to state limits on the amount Moneytree can lend.

DECREASE

1. Paying later than 35 days from the original Maturity Date of your loan. The reason for your late payment does not matter and can occur due to:
• Missed or Returned Payments - you've missed a payment or your payment has returned unpaid
• Payment Plans - you've entered into a Payment Plan to pay your loan off over a longer period of time
• Date Extensions - you and we have agreed to no-cost, courtesy date extension(s)
2. A decrease in the amount of one or more of your sources of income

*Without either of the loans returning

INCREASE

1. Paying off consecutive loans before, on, or within, 35 days of the original Maturity Dates of your loans,* subject to state limits on the amount Moneytree can lend.
2. Increases in the amount of your income, subject to state limits on the amount Moneytree can lend.

*Without either of the loans returning

DECREASE

1. Paying later than 35 days from the original Maturity Date of your loan. The reason for your late payment does not matter and can occur due to:
2. Missed or Returned Payments - you've missed a payment or your payment has returned unpaid
3. Payment Plans - you've entered into a Payment Plan to pay your loan off over a longer period of time
4. Date Extensions - you and we have agreed to no-cost, courtesy date extension(s)
5. A decrease in the amount of one or more of your sources of income

• 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. 
• Loans scheduled to be paid in cash:  Payments can be made online on or before 11 pm Pacific Time using your debit card. 

• 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.

• 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.
• You can repay your loan in full online using your debit card.
• You can also repay your loan in full over the phone using your debit card.

• You can repay your loan in full, in cash, before the end of business on the due date in any Moneytree Branch.
• You can repay your loan in full using your debit card in any Branch.
• If you have a debit card, you can repay your loan in full online using your debit card.
• You can also repay your loan in full over the phone using your debit card.

• 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.

• 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 (payday loan)