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Lender
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.

Moneytree

Advertiser Disclosure

About lender

To satisfy both short-term and long-term financial goals, Moneytree offers a variety of financial products. Over 80 retail locations sell its products and services. Besides payday loans, they provide cheque cashing, secured and unsecured installments, and personal and business loans.

Moneytree was founded in Renton, Washington, on 31 October 1983. The company's product offerings have evolved over time to what they are now. Dennis Bassford has been the firm's CEO and owner since its development with his brother David Bassford and his wife of twenty-five years, Sara Bassford. 

Fast growth sets a firm apart from its competitors. It strives to improve its services, and its search for new solutions never ends. The primary focus is creating quality service for millions of customers, individuals, and businesses.

Key features

Moneytree is a financial management app that allows you to manage your finances, track your spending, and invest in stocks and funds. Some of the key features of Moneytree include the following:

  1. Account aggregation. Moneytree allows you to connect and view all your financial accounts in one place, including bank accounts, credit cards, and investment accounts.
  2. Expense tracking. With Moneytree, you can track your spending by category, set budgets, and receive notifications when you exceed your budget.
  3. Bill management. You can manage and pay bills directly within the app and receive alerts when bills are due.
  4. Investment management. Moneytree allows you to invest in stocks and funds directly from the app and provides real-time market data and portfolio tracking.
  5. Financial planning. Moneytree provides personalized financial planning and analysis, including recommendations for savings, investments, and insurance.
  6. Security. Moneytree uses bank-level security and encryption to protect your financial information and transactions.
  7. Integration with other financial tools. Moneytree can be integrated with other financial tools and services, such as accounting software and tax preparation software, to streamline your financial management.

Overall, Moneytree offers comprehensive features to help you manage your finances and achieve your goals.

Pros and cons

Pros

  • Quick and easy acceptance. Sixty minutes is the average time it takes for applicants to hear back regarding the status of an online application.
  • Immediate funding. Prepaid cards acquired through business or in person at a branch can be used to get funds immediately.
  • Simple access and approval. When you agree to register and sign in account, you can receive personal offers from the firm with access to the application and other options.
  • Scam alert. Moneytree has an alert to let customers know that Moneytree's name and company information is used in a scam where people receive threatening phone calls about overdue loan payments.

Cons

  • Limited Availability. The lender is only present in California, Colorado, Idaho, Nevada, and Washington states.
  • High rates and presence of fees.

Products

Moneytree offers several financial products to help individuals and businesses manage their finances:

  1. Moneytree App. The Moneytree App is a personal financial management app that allows you to view all of your financial accounts in one place, track your spending, and invest in stocks and funds.
  2. Moneytree for Business. Moneytree for Business is a financial management platform designed for small businesses. It allows you to manage your business finances, view real-time cash flow, and easily track and categorize expenses.

Overall, Moneytree offers a range of products to help individuals and businesses manage their finances more effectively and efficiently.

Reliability

Moneytree is committed to providing its customers with reliable and secure financial management services. Here are a few ways that Moneytree ensures the reliability of its services:

  1. Bank-level security. Moneytree uses bank-level security and encryption to protect customer information and transactions. All data is encrypted both in transit and at rest, and Moneytree undergoes regular third-party security audits.
  2. Reliability and uptime. Moneytree operates a redundant infrastructure with multiple data centers and real-time replication of data to ensure high availability and reliability.
  3. Proactive monitoring. Moneytree has a dedicated team of engineers who proactively monitor their systems and services to ensure uptime and performance.
  4. Customer support. Moneytree has a responsive customer support team that can assist with any technical issues or questions that customers may have.

Overall, Moneytree strongly emphasizes the reliability and security of its services and has taken several measures to ensure that its services are always available and functioning as intended.

Funding a loan

Prepaid cards acquired through a company or in person at a branch can be used to get funds immediately. There is also the option of depositing funds straight into a bank account within one to three business days. Although the payback period is typically 14 days, the borrower's state and the frequency of their paychecks might affect this. 

Loan conditions

A payday loan in California costs $17.65 for every $100 borrowed. A 14-day loan of $100 would cost $117.65 in total repayments, resulting in an annual rate (APR) of 460.16 percent.

Idaho: The cost of a $100 payday loan is $18.50. The APR (Annual Percentage Rate) for a $100 loan due in 14 days would be $118.50, or 482.32 percent.

In Nevada, a $100 payday loan costs $16.50. An annual rate (APR) of 430.18 percent applies to a $100 loan that must be repaid in 14 days. 

The lender pays $15 for every $100 borrowed up to $500 in Washington and $10 for every $100 borrowed over $500. The APR (Annual Percentage Rate) for a $100 loan due in 14 days is 391.07 percent or $115 in total repayment.

When you search for financial institutions offering credit solutions, consider these rates. Moneytree may be your future financial partner, but their rates are still high. Before you sign an account, fill out a registration form, and enter your last name and Email, first compare these terms and conditions with other firms.

Additional Services

Moneytree does offer additional financial services beyond its core financial management and investment products. One of these additional services is check cashing.

Moneytree offers check cashing services for various checks, including payroll, government, and personal checks. Customers can cash their checks instantly at any Moneytree branch location, and fees for check cashing vary based on the type of check and the amount.

In addition to check cashing, Moneytree also offers other financial services such as money orders, prepaid debit cards, and short-term loans. These services are designed to provide customers with various financial solutions to meet their needs.

It's worth noting that these additional services are separate from Moneytree's financial management app and platform and may not be available in all locations. If you're interested in any of Moneytree's additional financial services, it's best to visit a Moneytree branch location or check their website for more information.

Moneytree

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.

Is Moneytree a good lender?

Whether or not Moneytree is a good lender depends on your specific financial situation, borrowing needs, and ability to repay any loans you take out. Moneytree offers a range of financial products, including short-term loans, installment loans, and title loans, which may be suitable for certain individuals in certain circumstances.

One potential advantage of Moneytree is that it offers quick access to cash, which can be useful for covering unexpected expenses or emergencies. However, the interest rates and fees associated with Moneytree loans can be relatively high, which means that these loans may not be a good option for everyone. Additionally, if you are unable to repay your loan on time, you may incur additional fees and interest charges, which can make the loan more expensive over time.

If you are considering a Moneytree loan, it's important to review the terms and conditions of the loan carefully and to make sure that you understand the costs, fees, and repayment terms associated with the loan. It's also a good idea to compare multiple lenders and loan options to find the one that best suits your needs and financial situation.

What is Moneytree?

Moneytree, Inc. has branches in Washington, Colorado, Idaho, Nevada, and British Columbia. The company offers payday, installment, prepaid debit, bill payment, Western Union, auto equity, and title loans. 

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
Moneytree service available in US States
  • State of Idaho (ID)
  • State of Washington (WA)
  • State of California (CA)
  • State of Colorado (CO)
  • State of Nevada (NV)
Moneytree service available in US States
Financial products
Moneytree
Installment 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

Effective interest rate on the product

up to 482.32%
Term
i

Loan term for the financial product

up to 6 months
Apply
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.

Recommended FinScore™
0
300
650
1000
$100-$500
Rate
i

Effective interest rate on the product

up to 482.32%
Term
i

Loan term for the financial product

up to 14 days
Apply
Moneytree
Title Loans
Rating by Finanso®
i

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

Effective interest rate on the product

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®
i

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

Effective interest rate on the product

up to 212.92%
Term
i

Loan term for the financial product

up to 30 days
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Calculate loan payments in Moneytree

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Moneytree calculator
Interest rates are given in accordance with the rates of the Moneytree of 05.06.2023
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