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Moneytree in Aurora, CO
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 · Rating from CreditDoc methodology
Moneytree Review
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 cannot match.
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.
Services & Features
Bill payment services
Business check cashing
Government check cashing
In-branch loan applications and payments
Installment loans ($100-$525) with flexible repayment terms
Online loan applications
Payroll check cashing
Personal check cashing
Prepaid card services
Same-day or rapid funding via cash, ACH transfer, or Instant Funding to debit cards
Settlement and insurance check cashing
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 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
- Flexible repayment terms with biweekly payment schedules and longer loan terms (6 months example provided)
- Streamlined application process requiring only ID, SSN, proof of income, and checking account
- Comprehensive financial services beyond loans: check cashing, wire transfers, prepaid cards, and business check cashing
- 4.6-star customer rating indicating established brand reputation and customer satisfaction
Cons
- Extremely high APR of 100.92% on example loan, placing this in predatory lending territory for cost-conscious borrowers
- Significant finance charges ($95 on a $325 loan) that nearly double the total repayment amount
- Loan amounts capped at $525 for first-time borrowers, insufficient for larger financial emergencies or debt consolidation
- Current account must be in good standing before borrowing; excludes military service members under federal law
- No indication of credit-building benefits or reporting to credit bureaus to help borrowers improve credit scores
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Moneytree legitimate?
Yes. Moneytree is a registered company, headquartered in 12862 E Mississippi Ave, Aurora, CO 80012.
Quick Facts
- Headquarters
- 12862 E Mississippi Ave, Aurora, CO 80012
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Moneytree
Moneytree is best 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.
Best For
- Borrowers with immediate cash 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
Updated 2026-04-29
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
Lenders must 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 cheapest 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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory 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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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 might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
Cash advances are a debt trap: 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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