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Moneytree offers installment loans ($100-$525) and check cashing services at physical Colorado locations with same-day funding options and flexible repayment terms.
Data compiled from public sources
Moneytree is a storefront lender operating physical branch locations in Colorado, including the Aurora location at 12862 East Mississippi Avenue. The company specializes in small-dollar consumer lending and financial services targeting borrowers who need quick access to cash without traditional bank approval processes. With a 4.6-star rating, Moneytree has established a local presence in multiple Colorado communities.
Moneytree's primary offerings include installment loans ranging from $100 to $525 for first-time borrowers, with flexible repayment schedules available (such as biweekly payments over six months). Borrowers can receive funds in cash, via ACH transfer (online loans), or through Instant Funding deposited to qualified debit cards within approximately 30-45 minutes. Beyond lending, they provide check cashing services (personal, payroll, government, insurance, and settlement checks), business check cashing, prepaid card services, and wire transfers. The Aurora branch maintains extended hours (9 AM-7 PM most days, 10 AM-4 PM Sunday) to accommodate working customers.
Moneytree distinguishes itself through physical branch accessibility, multiple funding disbursement methods, and stated simplicity in the application process. The company requires only standard documentation: valid ID, Social Security Number (or ITIN/ARN), proof of income, and an open checking account. They explicitly exclude military borrowers under the Military Lending Act. The Aurora location and broader network provide in-person service options that many online lenders does not list comparable fields.
However, Moneytree's loan products carry significant costs. The example $325 six-month installment loan carries a 100.92% APR with $95 in total finance charges, resulting in $420 total repayment. The company's own customer notice warns that small-dollar loans used over long periods can be expensive. These rates and fee structures place Moneytree squarely in the alternative lending space, suitable only for genuine financial emergencies, not ongoing credit needs. The high APR and finance charges make this a last-resort borrowing option.
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 or rapid funding via cash, ACH transfer, or Instant Funding to debit cards, Personal check cashing, Payroll check cashing, Government check cashing, and 7 more.
Moneytree has profile signals associated with Borrowers with short-term cash access emergencies and no access to traditional bank loans, Customers needing check cashing or wire transfer services at a physical location with extended hours, First-time borrowers with limited credit history seeking small loans under $525 with flexible repayment, Workers needing same-day or next-day cash access without online-only lending requirements.
Key strengths: Multiple funding disbursement options: cash, ACH transfer, or Instant Funding to debit cards (30-45 minutes); Physical branch locations with extended operating hours (9 AM-7 PM weekdays, 10 AM-4 PM Sunday); Low minimum loan amounts ($100) accessible to first-time borrowers with limited credit history. Areas to consider: Extremely high APR of 100.92% on example loan, placing this in high-cost lending territory for cost-conscious borrowers; Significant finance charges ($95 on a $325 loan) that nearly double the total repayment amount.
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 consumers facing genuine financial emergencies who have exhausted traditional lending options and need immediate small-dollar cash. The critical caveat is the 100.92% APR and substantial finance charges, which make this suitable only for one-time emergencies, never as a recurring credit source—the company's own warning acknowledges that small-dollar loans used long-term become financially destructive.
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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