Lender
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3.1
(13 Ratings)

Moneytree Review

Advertiser Disclosure

About Lender

Moneytree is a licensed Money Services Business (MSB) offering fast and easy loan options for those in need of quick cash. Their services get you access to funds fast and easy without the long waits and complicated process of traditional banking. Moneytree operates in multiple U.S. states including California, Colorado, Idaho, Nevada and Washington so you have broad coverage and access to many financial services. They are all about a simple and easy experience to meet your immediate financial needs fast and reliable.

As for loan offerings Moneytree has consumer loans to meet the needs of all its customers. These loans are available in select states including California, Colorado, Idaho, Nevada and Washington with products varying by market area to meet the state specific regulations and requirements. The types of loans offered are installment loans, payday loans and signature loans each for different financial situations and repayment capabilities. This way customers can find a loan that fits their immediate financial needs whether its unexpected expenses or short term cash flow issues.

The loan process with Moneytree is simple and easy to minimize the hassle of loan applications. Borrowers can apply online through a secure application process and upload required documents in seconds to complete the application. After submission Moneytree will do a fast and easy review. Once loan verification documents are received you can choose to have funds deposited to a debit card account, ACH bank deposit or pick up at a branch if available. This easy process and multiple funding options shows Moneytree’s commitment to get you financial help fast and easy subject to certain limitations and requirements to ensure responsible borrowing.

moneytree review

Key Features

  • Multiple loan options. Depending on the state the company offers different financing options. Payday Loans and Installment Loans are available online or in-office and Title Loans, Signature Loans and Auto Equity Loans.

  • Account aggregation. Moneytree allows you to link and view all your accounts in one place including bank accounts, credit cards and investment accounts.

  • Expense tracking. With Moneytree you can track your expenses by category, set budgets and get notifications when you go over budget.

  • Bill pay. You can pay bills within the app and get reminders when bills are due.

  • Investment. Moneytree allows you to invest in stocks and funds from the app and get real-time market data and portfolio tracking.

  • Financial planning. Moneytree provides personalized financial planning and analysis including recommendations for savings, investments and insurance.

  • Security. Moneytree uses bank-level security and encryption to protect your financial information and transactions.

  • Integration with other financial tools. Moneytree can integrate with other financial tools and services like accounting software and tax preparation software to manage your finances.

Pros and Cons

Pros

  • Fast and easy approval. 60 minutes is the average time it takes to get an answer to an online application.

  • Instant funding. Prepaid cards purchased in store or in person at a branch can be used to get funds instantly.

  • Easy access and approval. When you agree to register and sign in to account you can get personal offers from the company with access to application and other options.

  • Scam alert. Moneytree has an alert to let customers know that Moneytree’s name and company information is being used in a scam where people are getting threatening phone calls about overdue loan payments.

Cons

  • Limited availability. Moneytree’s services are only available in a few U.S. states (California, Colorado, Idaho, Nevada and Washington). 

  • Interest rates and fees. Rates are not listed without selecting a state and going through the application process. 

  • Loan types and amounts. Moneytree offers different types of loans including payday loans which are small, short term loans to cover expenses until the next payday. 

  • Regulatory restrictions. Loan types and terms including maximum loan amounts and interest rates vary by state due to different regulatory environments.

  • Risk of debt cycle. Like many short term loan providers there’s a risk customers may get into a debt cycle if they can’t pay their loan on time and choose to rollover the loan and incur additional fees and interest.

Reliability

  • Bank grade security. Moneytree uses bank grade security and encryption to protect customer information and transactions. All data is encrypted in transit and at rest and Moneytree is audited by third party security firms regularly.

  • Reliability and uptime. Moneytree has redundant infrastructure with multiple data centers and real time data replication to ensure high availability.

  • Proactive monitoring. Moneytree has a team of engineers who actively monitor their systems and services to ensure uptime.

  • Customer support. Moneytree has a customer support team that can help with any technical issues or questions.

How to Apply for a Moneytree Loan?

Apply for a Loan

  1. Visit website. Go to Moneytree’s website. Select your state from the list on the homepage to make sure you’re on the right site for your state’s loan products and services.

  2. Loans. Click on the “Loans” tab on the main menu or homepage to view the loan products.

  3. Choose a loan. Based on the loans available in your state (payday loans, installment loans, signature loans etc.) select the one that’s right for you. Search and click on the “Apply” button next to the loan type you want.

  4. Fill out application. Fill in the online application with all the required information. This will likely include personal info, income info and the amount you want to borrow.

  5. Upload documents. If the application requires you to upload documents (proof of income, ID etc.) upload the necessary files as directed on the website.

  6. Submit application. Review your application to make sure everything is correct and complete then submit.

  7. Wait for loan verification. Once you’ve submitted your application and documents wait for Moneytree to review and verify your info. This is supposed to be fast and easy.

  8. Get your funds. If approved choose how you want to receive your funds. Options may include instant funding to your debit card account, ACH bank deposit or pick up at a branch (where available). Note instant funding may not be available for all debit cards and is subject to limitations.

Conditions and Requirements

Conditions

  • Loan term. Up to 12 months to repay

  • APR. Up to 482.32%

  • Loan amount. Up to $5,000

Requirements

  • Residency. You must live in a state where Moneytree operates and offers loan products (California, Colorado, Idaho, Nevada or Washington).

  • Age requirement. Applicants must be at least 18 years old to apply for a loan.

  • ID. Government-issued ID to verify your identity and age.

  • Income. Pay stubs or bank statements to prove you have a steady income.

  • Bank. Checking account in your name to deposit the loan and withdraw repayment.

  • Contact. Valid contact information including email and phone number.

  • Credit check. For some loan types, Moneytree may perform a credit check to qualify you for the loan.

Ways to Receive the Money

At Moneytree you have several ways to get your cash. Options include instant funding to your debit card, ACH bank deposit or pick up in a branch (where available). Note that instant funding is not available for all debit cards and is subject to limitations. There may be restrictions that apply and processing times can vary. In most cases funds are transferred in 30-45 minutes but can take longer. Moneytree is not responsible for delays or errors caused by banks, processors or other 3rd parties.

Products

  • Payday loans. Payday loans are short term solutions to cover cash needs until your next payday. Easy to qualify for and fast access to funds, perfect for unexpected expenses or emergencies.

  • Installment loans. Installment loans offer more money than payday loans, with the convenience of paying over a set period of time in multiple payments. Suitable for those who need more funds and want a structured repayment schedule.

  • Title loans. Title loans allow you to use your vehicle title as collateral for a loan. The amount you can borrow is based on your vehicle’s value. For those who need more funds and are willing to secure the loan with their vehicle.

  • Auto equity loans. Auto equity loans are similar to title loans but based on the equity in your vehicle rather than the vehicle’s full value. You can get funds and still use your car.

  • Signature loans. Signature loans, also known as unsecured personal loans, don’t require collateral. Approval for this type of loan is based on your credit history and income. Signature loans offer flexibility in loan amounts and repayment terms, perfect for any financial need.

Other Personal Loans

Reasons for Loan Refusal

Reasons for loan refusal from Moneytree may include insufficient income or unstable employment history, which may affect your ability to repay the loan. Other reasons may be poor credit history, not meeting the minimum age or residency requirements or not providing the required documents or information for the loan application. Applicants must ensure they meet all the criteria and provide accurate and complete information during the application process to increase chances of approval. For specific reasons for a particular case, please contact Moneytree.

Check Credit Score

How to Repay a Moneytree Loan?

Repay

Repaying a loan from Moneytree is designed to be easy and convenient, according to your preference and the terms of your loan agreement. Typical ways to pay Moneytree loans may be automatic withdrawals from your bank account, direct deposit or in-branch payment. Repayment schedule and methods are outlined in the loan agreement including options for early repayment or what to do in case of late payment. Customers can set up an online account with Moneytree to manage their loan balance and make payments online, a flexible and easy way to manage and pay your repayments. For specific details on repayment options and to ensure a smooth repayment process, refer to your loan agreement or contact Moneytree.

Loans like Moneytree

OppLoans

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OppLoans is a notable financial service provider that offers consumer loans varying from $500 to $4,000. They expedite the funding process to ensure that approved applicants receive the necessary funds promptly, which is advantageous for those dealing with immediate financial concerns. OppLoans offers adaptable repayment conditions, giving customers the choice between 9, 12, and 18-month loan terms. This adaptability allows borrowers to opt for a repayment plan that matches their financial ability, ensuring a seamless and manageable loan journey.

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Rise Credit

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RISE Credit is a reliable online lender that provides loans up to $5,000. They have a streamlined application procedure, allowing borrowers to have funds transferred to their accounts as early as the next business day. They present the flexibility of choosing a payment schedule that fits with the financial preferences of the customers, although some state-based restrictions might apply. A notable feature of RISE Credit is its 5-Day Risk-Free Guarantee, which permits borrowers to revoke their loan and return the principal with zero fees or interest within the given period. Additionally, RISE Credit grants customers complimentary access to their credit score and credit monitoring alerts through Credit Score Plus, offering valuable financial insight.

About Rise

OneMain Financial

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OneMain Financial stands as a distinguished and enduring lender, offering personal loans that range between $1,500 to $20,000. Boasting a century’s worth of experience in the financial sector, they have garnered the trust of a vast customer base. Their loan terms include fixed rates and fixed payments, offering a predictable and manageable repayment scenario to borrowers. OneMain Financial emphasizes personalized service, ensuring that the distinct needs of each customer are addressed. With a widespread network of approximately 1,400 branches, they provide easy access and convenience for individuals in search of financial aid.

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Universal Credit

Apply for a Loan

Universal Credit requires applicants to have a minimum credit score of 560, thus excluding those with no credit history. It is appealing for its credit-enhancement features, making it suitable for individuals with fair or poor credit looking to better their scores. Providing larger loan amounts than Oportun and next-day funding upon approval, it emerges as a solid choice for significant, urgent financial needs. Universal Credit extends its loan services across all 50 states and Washington, D.C., offering a wide geographical coverage.

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Editorial Opinion

Moneytree is a trusted Money Services Business (MSB) that offers loans with no hassle for those in need of quick cash. With fast and easy access to funds, Moneytree operates in multiple U.S. states including California, Colorado, Idaho, Nevada and Washington so you can get access to their services anywhere. Their loans including installment loans, payday loans and signature loans are designed to meet different financial needs and comply with state regulations. The application process is simple, apply online securely and fast with options for instant funding to debit cards, ACH bank deposits or branch pickups where available. Moneytree’s commitment to instant cash assistance proves their reliability and customer satisfaction.

Important

Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Additional Resources

Sources

FAQ

How do you qualify for a Moneytree loan?

You must meet several basic eligibility criteria to qualify for a Moneytree loan. First, you must be at least 18 years of age and have a valid ID. You must also have a steady source of income, such as employment, government benefits, or a pension. Additionally, you must have an active checking account and a valid phone number and email address.

The specific requirements for a Moneytree loan may vary depending on the type of loan you are applying for and the state where you reside. In general, Moneytree offers short-term loans that are designed to provide customers with a quick source of cash to cover unexpected expenses. However, these loans typically have higher interest rates and fees than traditional bank loans, so it's important to carefully consider your options and read the terms and conditions before applying for a Moneytree loan.

How much can you borrow from Moneytree?

The amount you can borrow from Moneytree depends on the type of loan you are applying for, as well as your creditworthiness and other eligibility factors. In general, Moneytree offers short-term loans that are designed to provide customers with a quick source of cash to cover unexpected expenses, and the loan amounts are typically smaller than traditional bank loans.

For example, in Washington state, where Moneytree is headquartered, payday loans are limited to $700 or 30% of your gross monthly income, whichever is less. In California, payday loans are limited to $300. Other types of loans, such as installment loans or title loans, may have different limits and requirements.

It's important to carefully consider your financial situation and borrowing needs before applying for a Moneytree loan and to carefully read the terms and conditions to understand the interest rates, fees, and repayment terms associated with the loan. 

Does Moneytree approve everyone?

No, Moneytree does not approve everyone who applies for a loan or other financial product. Like all lenders, Moneytree has specific eligibility requirements that must be met in order to qualify for a loan or other financial product.

To qualify for a Moneytree loan, for example, you must meet certain basic eligibility criteria, such as being at least 18 years of age, having a valid ID, and having a steady source of income. You must also have an active checking account, a valid phone number, and an email address. In addition to these basic requirements, Moneytree may also consider other factors such as your credit history, employment status, and other financial obligations.

It's also worth noting that Moneytree operates in several states, and the specific eligibility requirements and loan terms may vary depending on the state where you reside. Suppose you're interested in applying for a Moneytree loan or other financial product. In that case, it's best to carefully review the eligibility criteria and loan terms to determine if you meet the requirements and can afford the loan.

Is Moneytree a legitimate company?

Yes, Moneytree is a legitimate financial services company that has been in business for over 35 years. Moneytree is headquartered in Seattle, Washington, and operates in several states across the US, including California, Idaho, Colorado, and Nevada.

Moneytree is licensed and regulated by the states where it operates and follows strict guidelines and regulations to ensure its services are safe, reliable, and compliant with all applicable laws and regulations. Moneytree also has a strong reputation in the industry and among its customers and has received positive reviews and feedback for its financial management app and other products.

That being said, it's always important to carefully research any company before doing business with them and to read the terms and conditions carefully to ensure that you understand the costs, fees, and other requirements associated with the company's services.

Company documents

Privacy Policy
Terms of use

At Moneytree, our Mission is to be the best provider of financial services by exceeding our customers' expectations, creating a professional work environment and making a positive impact on the communities in which we live and work.

© Moneytree
Offers
Moneytree
Installment Loan
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
$100-$1,000
Rate
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Interest rate

up to 482.32%
Term
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Loan term for the financial product

up to 6 months
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Moneytree
Payday Loan
Rating by Finanso®
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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.

3.138
(13 Ratings)
Recommended FinScore™
0
300
650
1000
$100-$500
Rate
i

Interest rate

up to 482.32%
Term
i

Loan term for the financial product

up to 14 days
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Moneytree
Title Loans
Rating by Finanso®
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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.

Recommended FinScore™
0
300
650
1000
up to $25,000
Rate
i

Interest rate

up to 304.17%
Term
i

Loan term for the financial product

up to 12 months
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Moneytree
Business loans
Rating by Finanso®
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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.

Recommended FinScore™
0
300
650
1000
$100-$1,000
Rate
i

Interest rate

up to 212.92%
Term
i

Loan term for the financial product

up to 30 days
All cards
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Personal Loans
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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.

Recommended FinScore™
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300
650
1000
2000.00 – 100000.00 $
Rate
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Interest rate

6.34 – 35.89 %
Term
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Loan term for the financial product

2 months – 5 years
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Rating by Finanso®
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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.

Recommended FinScore™
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100.00 – 4000.00 $
Rating by Finanso®
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3.93
(20 Ratings)
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300
650
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450.00 – 12000.00 $
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27.50 – 81.29 %
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Loan term for the financial product

6 months – 3 years
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Best Loan Today 16.05.2025*
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Need a Title Loan Now?
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300
650
1000
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TitleMax
Title loan
Rating by Finanso®
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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.

Recommended FinScore™
0
300
650
1000
$500-$10,000
Rate
i

Interest rate

up to 1.09% per day
Term
i

Loan term for the financial product

up to 72 months
LoanMax
Title Loan
Rating by Finanso®
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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.

Recommended FinScore™
0
300
650
1000
$100-$10,000
Rate
i

Interest rate

up to 372 %
Term
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Loan term for the financial product

up to 30 days
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
to 7500.00 $
Rate
i

Interest rate

to 426.64 %
Term
i

Loan term for the financial product

to 2 years
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CheckSmart
Title Loan
Rating by Finanso®
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Recommended FinScore™
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300
650
1000
Rating by Finanso®
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Recommended FinScore™
0
300
650
1000
up to $5,000,000
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Interest rate

correlated with the current market rate
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Loan term for the financial product

up to 20 years
Nuula
Business loans
Rating by Finanso®
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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.

Recommended FinScore™
0
300
650
1000
$5,000-$2,000,000
Term
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Loan term for the financial product

up to 36 months
LoanMe
Business Loan
Rating by Finanso®
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Recommended FinScore™
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300
650
1000
$3,500 - $250,000
Calculate loan payments in Moneytree

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Moneytree reviews 2025
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4.6
Pros
As a regular customer of Moneytree, there have been instances where I encountered difficulties in meeting my repayment deadlines. I am grateful for their consistent willingness to help me adapt to my changing circumstances.
Complain
4.6
Pros
I've been a frequent customer of Moneytree, and there have been occasions when I struggled to make timely repayments. However, Moneytree has consistently demonstrated remarkable flexibility and understanding, always willing to accommodate my circumstances. Their willingness to work with me in challenging times sets them apart from others. A heartfelt thank you to Moneytree and their exceptional team for their support.
Complain
2.4
Cons
I successfully paid off a loan with Moneytree, but a week later, they sent an electronic check to our closed account, resulting in the payment being returned due to insufficient funds. They repeated this process three times without our consent. When I contacted Moneytree to rectify the situation, I was shocked to learn that they were still charging late payment fees to the closed account and were unwilling to correct their mistake. These erroneous charges further overdrew our account. To make matters worse, the supervisor I spoke with displayed extreme rudeness when we requested a resolution.
Moneytree's stance is that I am responsible for having funds in the bank, despite the fact that the account for the loan had been paid off earlier. Sadly, Moneytree appears to be one of those "Quick Loan" companies engaging in unethical business practices. I would strongly discourage anyone, even my worst enemy, from considering their services. For those interested, I recommend researching a lawsuit filed against Moneytree and its executives by creditors. It will shed light on their questionable practices. Unfortunately, this platform does not allow for a negative rating, but it's important to share this experience.
Complain
5
Pros
Moneytree is the epitome of professionalism, consistently courteous, and an absolute delight to work with. If you're in need of a short-term loan, Money Tree is an excellent choice.
Complain
1.2
Cons
Their customer service is incredibly poor. I was assured that they would review the incident on camera and follow up with me, but I have yet to receive any communication from them. Not only did I not receive an apology, but I also found their customer service to be rude, unprofessional, and disrespectful. It seems like this company needs to be reported to the Better Business Bureau (BBB) and other relevant agencies, as they have failed to address these issues adequately.
Complain
2
Cons
I've been a customer of Money Tree for several years, and this year, as they typically do, they requested proof of income. In response, I provided my recent tax return and a current bank statement that clearly displayed my direct deposits. However, they claimed that this documentation was insufficient as proof of income.
Complain
1.8
Cons
My experience was extremely frustrating. I provided them with my tax return, bank statement, and a transaction report from my Square merchant account, clearly demonstrating my self-employed income received via direct deposits. Despite the presence of transaction IDs that could be easily verified, they denied my application simply because my bank statements didn't explicitly mention "Square." It felt like a complete waste of time.
Complain
2.2
Cons
I spent three days on the phone with customer service trying to send the necessary documents for my loan application. Each representative I spoke to either claimed they had no record of my documents or requested additional information. After three days of persistent calls, emails, and faxes, they only approved $200, even though my initial request was for $1,000. This place is incredibly frustrating and a complete waste of time.
Complain
5
Pros
Moneytree came through for me when I required a speedy loan. Repaying it was straightforward, and the interest rate turned out to be more reasonable than I initially anticipated. Their customer service was excellent, and I wouldn't hesitate to use their services again.
Complain
1.8
Cons
I obtained a payday loan from Moneytree that was due three days before my actual payday. It's worth reiterating that Moneytree's practice of setting due dates so close to your payday is highly questionable. Their underwriting process appears either indifferent or ineffective, which raises ethical concerns, if not potential legal issues. Charging interest rates ranging from 430% to 573% is already exorbitant, and it seems they may prefer borrowers to default, allowing them to sell the loan to collection agencies.
Furthermore, Moneytree payday loans rarely contribute to building your credit score. Moneytree doesn't report to credit bureaus, preventing you from establishing the credit history needed for more affordable loans. To break free from the cycle of payday lending, it's essential to work on improving your credit and steer clear of predatory lenders.
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aggregation.company.allReviews
Company rating
3.1
/ 5
13 reviews
Application
3.3
Support service
3.2
Mobile App
3.0
Service quality
2.9
Your satisfaction level
3.3
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