Question 1

What is a payday loan?

Accepted Answer

Moneytree payday loans (also known as cash advance loans) are short\-term, single\-payment loans that are convenient and fast. You can apply quickly and easily online or at any participating Moneytree [branch](https://locations.moneytreeinc.com/?_gl=1*1enctnp*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..). If approved, you can pick up your funds in a Moneytree branch or have your funds sent to a qualified debit card account with our convenient [Instant Funding](https://www.moneytreeinc.com/services/instant\-funding/)\* option (in\-branch or online), or to you bank account via ACH (online only). Moneytree offers payday loans online or in any [California](https://locations.moneytreeinc.com/ca), [Idaho](https://locations.moneytreeinc.com/id), [Nevada](https://locations.moneytreeinc.com/nv) or [Washington](https://locations.moneytreeinc.com/wa) branch.

*\*Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30\-45 minutes, but can take longer. Moneytree is not responsible for bank, processor, and other third\-party posting delays or errors.*

Question 2

I applied for a loan online; how fast will I receive my money?

Accepted Answer

It depends on a number of things.

* When applying online, it is important to submit all of the requested documentation and information. With all of the necessary information, Moneytree can typically make a loan decision quickly.
* If you are approved, you will receive an email or text message with your approval and an offer of credit. If you are not approved, you will also be notified by email or text.
* Once approved, you can log into your online account and choose how much you'd like to borrow, up to your approved amount, and how you want to receive your funds. The amount of time it takes to receive your funds will depend on your preferred funding method:

1. Pick up cash at your nearest Moneytree Branch (same day in states where available)
2. Instant Funding¹ to your qualifying debit card account (same day)
3. Load to Moneytree\-issued prepaid debit card (same day)
4. ACH deposit to your bank account (up to 5 business days)

*¹Instant Funding is not available for all debit cards. Subject to limitations. Some restrictions may apply. Processing times vary. In most instances funds are transferred in approx. 30\-45 minutes, but can take longer. Moneytree is not responsible for bank, processor and other third party posting delays or errors.*

Question 3

Can I extend my loan or payment due date if I need more time?

Accepted Answer

To verify your loan or payment due date, or in some cases, make a change to your due date, please log in to your Moneytree [online account](https://secure.moneytreeinc.com/?_gl=1*d99khl*_gcl_au*MTgzNjE4MTU2Mi4xNzY2MDAwNDQ4*_ga*NTI3MzAxMzAzLjE3NjYwMDA0NDg.*_ga_6CYBB5YB80*czE3NjkyMDk0OTAkbzMyJGcxJHQxNzY5MjEwNjI5JGo1OSRsMCRoMA..#/Login). If you don't have an online account, you can call or visit any Moneytree [branch](https://locations.moneytreeinc.com/) or contact our Customer Service Team at 1\-800\-745\-1011 to discuss due date options.

Question 4

How is my loan limit established? (Washington)

Accepted Answer

The amount you can borrow\* is calculated and may change based on:

* Your Moneytree credit history
* Your current income
* Details provided on your loan application
* Information from your consumer credit report
* Information about your borrowing activity in a state database, including borrowing activity with Moneytree and certain other lenders

*\*Your account balance with Moneytree must be current and in good standing in order to take out a loan. Your ability to borrow and the amount you can borrow may be limited based on information in a state database about your borrowing activity with Moneytree and other lenders licensed under Revised Code of Washington, Chapter 31.45.*

Question 5

What is a money order?

Accepted Answer

A [money order](https://www.moneytreeinc.com/services/money\-orders/) is a prepaid paper document used as a secure form of payment, similar to a personal check. Money orders are a safe, affordable and convenient alternative to managing a checking account. Neither the sender nor the recipient needs a bank account to purchase or cash a money order. Unlike personal checks, money orders do not display your bank account or routing numbers to the recipient. Money orders are available up to $1,000 each and can be purchased at any Moneytree retail branch location.

Question 6

How does check cashing work at Moneytree?

Accepted Answer

A [check\-cashing service](https://www.moneytreeinc.com/the\-what\-and\-why\-of\-check\-cashing\-services/) allows you to convert a paper check into immediate cash without waiting for bank "holds" or needing a bank account. At Moneytree, we cash all types of [checks](https://www.moneytreeinc.com/check\-cashing/) with no dollar limits.

**The process is simple and typically takes just a few minutes:**

* Visit a Branch: Bring your check and photo ID to any Moneytree location.
* Verification: A Teller will verify the authenticity of the check and your identity.
* Endorsement: You sign the back of the check in the presence of the Teller.
* Get Your Cash: The fee\* is deducted from the check total, and you receive the remaining balance in cash.

**Why choose Moneytree?**  
Unlike traditional banks, we don't require an account to cash a check, we offer extended hours for your convenience, and we provide your cash immediately—no bank holds.

*\*Rates vary by check type and location. Please call or visit your local Moneytree [branch](https://locations.moneytreeinc.com/) for details.*

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