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Moneytree is a Colorado-based lender offering installment loans ($100-$525) and check cashing services with same-day funding and flexible repayment terms.
Data compiled from public sources
Moneytree is a licensed lender operating in Colorado with a physical branch network, including the Aurora location on East Colfax Avenue. 6-star rating and maintain multiple service locations across the state. Moneytree specializes in small-dollar installment loans designed for first-time borrowers, offering loan amounts of $100, $325, or $525 with approval.
Beyond lending, they provide ancillary financial services including check cashing (personal, payroll, government, settlement, and retirement checks), business check cashing, prepaid cards, and wire transfers. Their installment loans feature flexible repayment schedules with biweekly or other payment options over multiple months, and borrowers can receive funds in cash, via ACH transfer (online only), or through Instant Funding to qualified debit cards within approximately 30-45 minutes. What distinguishes Moneytree is their accessibility to first-time borrowers with minimal qualification requirements—a valid ID, Social Security Number or ITIN, proof of income, and an open checking account.
They operate extended business hours (9 AM-7 PM most days, 10 AM-4 PM Sundays) with a physical branch presence, contrasting with online-only competitors. 92%, and they explicitly note that small-dollar loans used over long periods can be expensive. Moneytree does not lend to covered borrowers under the Military Lending Act, and their loan amounts are capped at $525 for first-time borrowers, limiting usefulness for larger emergency needs.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
Moneytree received 3 consumer complaints in the past 12 months. All complaints received a timely response from the company.
3
Complaints (12 months)
0.0%
Resolved with relief
Stable
Complaint trend
Most Common Complaint Categories
Moneytree, Inc. — $255K — The CFPB took action against Moneytree, Inc., a financial-services company that offers payday loans and check-cashing services, for misleading consumers...
Source: Consumer Financial Protection Bureau · CFPB Enforcement Records
This is state-level context for Emergency Cash consumers in Aurora, CO. It does not confirm that Moneytree or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Status: Permitted
Rate context: 36% APR maximum (established by Proposition 111, 2018)
Amount context: $500
Term context: 180 days
Colorado payday loans are restricted and regulated under C.R.S. § 5-3.1-301 et seq. Proposition 111 eliminated balloon payments, established 36% APR cap, and required minimum 6-month repayment terms. Lenders must participate in the Colorado Consumer Credit Database. Maximum of one outstanding payday loan allowed; 1-day cooling-off period between loans required.
Status: Permitted
Rate context: 12% APR general cap (C.R.S. § 5-3.1-102); supervised lenders may charge higher rates with state authorization
Installment loans are governed by the Colorado Uniform Consumer Credit Code (C.R.S. § 5-3.1-101 et seq.). Licensed supervised lenders may charge rates above the 12% usury cap with Division of Banking approval.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Moneytree offers 12 services including Installment loans ($100-$525) with flexible repayment terms, Same-day/next-day Instant Funding to qualified debit cards, Personal check cashing, Payroll check cashing, Government benefit check cashing, and 7 more.
Moneytree has profile signals associated with First-time borrowers with minimal credit history who need $100-$525 in emergency-cash timing to verify, Colorado residents without access to traditional bank loans or credit unions, Individuals already using Moneytree's check cashing or financial services seeking additional products.
Key strengths: listed funding timing available through Instant Funding to qualified debit cards (30-45 minutes in most cases); No minimum credit score requirement explicitly stated; serves first-time borrowers; Multiple funding delivery methods including cash, ACH transfer (online), or debit card deposits. Areas to consider: Extremely high APR of 100.92% on example loan—significantly above industry standards and high-cost lending thresholds; Loan amounts capped at $525 maximum, insufficient for most genuine emergencies or financial needs.
In the Emergency Cash category, comparable providers include ACE Cash Express, ACE Cash Express, M & M Funding. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Moneytree is profile signals for Colorado residents needing small emergency cash ($100-$525) who lack traditional credit access and can reach a physical branch during business hours. The critical caveat is the 100.92% APR—this is a high-cost lender suitable only for genuine emergencies where the borrower understands the true cost and has no better alternatives; using this for non-emergency purposes or repeatedly will result in expensive repeat-borrowing cycles.
Aurora, CO ACE Cash Express at E Colfax Ave offers payday and title-loan profile details.
Profile signals: Consumers researching emergency-cash options quickly with collateral (title loans), Unbanked or underbanked individuals needing check cashing or bill payment services
Colorado Springs, CO ACE Cash Express at 2064 S Academy Blvd offers payday loans, title loans, and short-term cash access services with provider-stated funding timing.
Profile signals: Consumers in states where ACE operates researching emergency-cash options access and prefer in-person transactions, Small business owners seeking quick funding or business-related financial services in states with service availability
M&M Funding is a Colorado Springs-based auto lender offering car financing with high interest rates (20-25%) and reportedly inconsistent credit reporting practices.
Profile signals: Borrowers with very poor credit unable to qualify for traditional auto loans, Individuals needing immediate vehicle financing despite risk tolerance for high rates
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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