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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

MoneyMutual application



MoneyMutual does not set a minimum credit score for borrowers so that people with bad credit can also get financing. To obtain approval of the application, the borrower must:

  • Be 18 years old;

  • Be a citizen or permanent resident of the United States;

  • Have a stable source of income earning at least $800 per month;

  • Active checking account;

  • Have employment or another source of income, such as a pension or social security payments.

Application details

​​The borrower is not required to provide documents to obtain a loan in MoneyMutual. However, all the information provided in the application must be valid, as the lenders check its authenticity before concluding a loan agreement. The application is completed in 5 minutes directly on the MoneyMutual website. After filling out the application, MoneyMutual processes the data for 2 minutes before offering credit options. The borrower may be refused if they do not have an active checking account. The probability of being rejected by MoneyMutual for other reasons is small since the company offers loans for people with poor credit.

How to apply for a loan

To apply for a loan with MoneyMutual, you should:

  1. Choose the state you live in.

  2. Enter your name, email, and zip code.

  3. In the next window, enter your phone number and give your consent to receive SMS.

  4. Choose your source of income.

  5. Fill in your home address, the period of residence at this address, and answer whether you own a house.

  6. Answer the question about active service in the army.

  7. Answer the question about owning a car.

  8. Enter the amount of your monthly income.

  9. Answer the question about owning a bank account.

  10. Answer the question "Do you have $10,000 in credit card debt?"

  11. Choose the next salary receipt date and with what frequency you receive it.

  12. Fill in the name and number of your employer and the method of receiving your salary.

  13. Enter your driver's license number or government ID.

  14. Fill in your SSN and date of birth.

  15. Fill in the information about the active checking account where you want to receive money and click Submit Now.


Does MoneyMutual ruin your credit?

Applying for and receiving a loan does not affect your credit. However, if you are late with the loan payments, this will affect your credit score and reduce it.

Does MoneyMutual do a credit check?

The company does a credit check using your SSN. However, a credit score is not the most important criterion for obtaining approval. MoneyMutual basically looks at the amount of income and employment status.

Does MoneyMutual call your employer?

No, MoneyMutual is not a lender and does not call your employer. However, the landing partner who gives you a loan can call your employer to verify the reliability of your monthly income.

What if I can't provide MoneyMutual with my employer's phone number?

Find out your employer's number before applying for a loan with MoneyMutual. The employer's number is required when applying. If the lender is unable to verify the authenticity of your income, you will receive a refusal.

Calculate loan payments at MoneyMutual

MoneyMutual calculator will allow you to calculate an approximate payment schedule for the loan

MoneyMutual calculator
Interest rates are given in accordance with the rates of the MoneyMutual in Washington, D.C. as of 25.09.2022
Loan amount

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Loan term

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All MoneyMutual’s reviews by September 2022
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