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Montana Capital Car Title Loans
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Moneytree in Englewood, CO
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Moneytree offers installment loans ($100–$525) and check cashing services with same-day funding options and multiple Colorado branch locations.
Data compiled from public sources
Moneytree Review
Moneytree is a consumer finance company operating physical branch locations across Colorado, including an Englewood location at 2705 South Broadway. The company has been positioned as a provider of short-term financial solutions for consumers needing immediate access to cash. Their Englewood branch operates Monday–Saturday, 10 AM–6 PM, and maintains a 4.4-star customer rating.
Moneytree's primary offerings include installment loans ranging from $100 to $525 for first-time borrowers, with flexible repayment terms spread over multiple months. Funds can be received in cash, via ACH transfer (online loans), or through Instant Funding to qualified debit cards within approximately 30–45 minutes. The company also provides check cashing services accepting personal, government, payroll, insurance, settlement, cashier's, retirement, and pension checks. Additional services include business check cashing, prepaid cards, and wire transfers.
What distinguishes Moneytree is its installment loan structure, which offers longer repayment periods compared to traditional payday loans, providing more time to repay borrowed amounts. The company requires limited-documentation claims to verify—a valid ID, proof of income (pay stub or benefits statement), and an open checking account—making qualification accessible. Multiple funding delivery options, including Instant Funding to debit cards, appeal to consumers without traditional banking relationships.
However, the APR disclosed for a $325 six-month installment loan is 100.92%, placing Moneytree firmly in the high-cost lending category. A $325 loan would cost $420 total ($95 in finance charges), representing a 29% premium over the principal. While longer repayment terms reduce per-payment burden, the annual percentage rate remains higher in listed context than traditional personal loans or bank alternatives. This product is best suited for consumers facing genuine emergencies with no other credit access, though the cost should be carefully weighed against alternatives.
Services & Features
ACH transfer funding (online loans only)
Business check cashing
Cash disbursement for loans
Government check cashing
Installment loans ($100–$525 for first-time borrowers)
Instant Funding to qualified debit cards
Insurance and settlement check cashing
Payroll check cashing
Pension and retirement check cashing
Personal check cashing
Prepaid card services
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Installment loans allow 6-month repayment terms, reducing per-payment burden compared to payday loans
- Multiple funding delivery options: cash, ACH transfer, or Instant Funding to debit cards (30-45 minutes typical)
- Low minimum loan amounts ($100 available) for small emergencies
- Minimal application requirements (valid ID, proof of income, open checking account)
- Accepts first-time borrowers with loan amounts up to $525
- Multiple Colorado branch locations with extended hours (open until 6 PM weekdays and Saturdays)
- Check cashing service accepts wide variety of check types without account requirements
Cons
- APR of 100.92% on disclosed example loan is extremely high—a $325 loan costs $420 total ($95 finance charges)
- Total repayment costs are 29% premium over principal amount even with longer 6-month terms
- Does not serve active military members (Military Lending Act restriction)
- Website explicitly warns that small-dollar loans used over long periods can be expensive
- Instant Funding not available for all debit cards and subject to limitations and processing delays
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Englewood, 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
Payday loan rules in Colorado
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.
Installment loan rules in Colorado
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.
Key state rules to check
- Proposition 111 (2018) capped payday loan APR at 36% and eliminated balloon payments.
- The Uniform Consumer Credit Code governs most consumer lending in the state.
- Payday loans limited to $500 with a minimum 6-month term.
Complaint resources
- Colorado Division of Banking - State Regulator
- Colorado Attorney General - Consumer Protection Section - State AG
- Colorado Department of Regulatory Agencies - State Regulator
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Moneytree offer?
Moneytree offers 12 services including Installment loans ($100–$525 for first-time borrowers), Cash disbursement for loans, ACH transfer funding (online loans only), Instant Funding to qualified debit cards, Personal check cashing, and 7 more.
What profile signals are listed for Moneytree?
Moneytree has profile signals associated with Consumers facing genuine emergencies with no access to traditional credit or family assistance, Borrowers who can repay within 6 months and prefer installment structure over lump-sum payday loans, Individuals needing basic financial services (check cashing, wire transfers) without bank accounts, First-time borrowers building credit history who need small amounts ($100–$525) quickly.
What are the strengths and weaknesses of Moneytree?
Key strengths: Installment loans allow 6-month repayment terms, reducing per-payment burden compared to payday loans; Multiple funding delivery options: cash, ACH transfer, or Instant Funding to debit cards (30-45 minutes typical); Low minimum loan amounts ($100 available) for small emergencies. Areas to consider: APR of 100.92% on disclosed example loan is extremely high—a $325 loan costs $420 total ($95 finance charges); Total repayment costs are 29% premium over principal amount even with longer 6-month terms.
How does Moneytree compare to similar companies?
In the Emergency Cash category, comparable providers include Montana Capital Car Title Loans, Swift Title Loans, MVP Car Title Loan. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Research Note on Moneytree
Moneytree is appropriate for consumers with genuine short-term cash emergencies who report limited alternatives and can reliably repay within 6 months. The critical caveat is the 100%+ APR: while installment terms reduce per-payment stress compared to payday loans, borrowers must understand they are paying a substantial premium (29%+) for access to short-term cash access. This product should be a last resort, not a routine financial tool.
Profile Signals
- Consumers facing genuine emergencies with no access to traditional credit or family assistance
- Borrowers who can repay within 6 months and prefer installment structure over lump-sum payday loans
- Individuals needing basic financial services (check cashing, wire transfers) without bank accounts
- First-time borrowers building credit history who need small amounts ($100–$525) quickly
Updated 2026-04-29
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Quick Summary
- Moneytree is listed as a Emergency Cash provider in Englewood, CO on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
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Financial Wellness Guides
What Your Credit Score Actually Means: Number-by-Number Breakdown
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →What You Qualify For at Every Credit Score Range (2026)
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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 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.
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 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.
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 may only be required 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 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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