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Moneytree in Kent, WA
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Moneytree offers payday and installment loans up to $700, plus check cashing and wire transfers at physical locations in Washington state.
Data compiled from public sources
Moneytree Review
Moneytree is a licensed consumer finance company operating physical branch locations, including the East Hill branch in Kent, Washington. The company specializes in short-term lending products designed for consumers facing short-term cash needs. Founded to serve customers who need fast access to funds, Moneytree has built a network of retail locations with extended hours to accommodate working customers.
Moneytree's primary offerings include payday loans up to $700 with flat-fee pricing ($15 per $100 borrowed up to $500; $10 per $100 over $500), installment loans with repayment terms of 70+ days, and signature loans. Beyond lending, they provide check cashing (personal and business), prepaid card services, and wire transfers. Loans can be received as cash in-branch, via ACH transfer, or through Instant Funding to qualified debit cards. The Kent location operates extended hours, including Friday until 7:00 PM and Saturday service.
Moneytree distinguishes itself through physical branch locations with same-day cash availability and listed, flat-fee pricing structures clearly disclosed on their website. Their installment loan products offer longer repayment periods than typical payday loans, providing borrowers flexibility. The company explicitly declines to lend to covered borrowers under the Military Lending Act, indicating compliance-focused lending practices. They also reference state database checks to limit over-borrowing.
However, the finance charges are substantial: a $100 payday loan carries an APR of 391.07%, making these loans high cost for repeated use. The company itself warns that small-dollar loans used over long periods become expensive. Borrowers must maintain current accounts in good standing and meet strict documentation requirements. While convenient for emergency situations, these products are not sustainable for ongoing financial needs.
Services & Features
ACH bank transfer funding
Business check cashing
Check cashing (personal checks)
In-branch cash disbursement
Installment loans up to $700 with flexible repayment terms (70+ days)
Instant Funding to qualified debit cards
Loan payment processing
Online loan applications
Payday loans up to $700 with flat-fee pricing
Prepaid card services
Signature loans
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day cash availability at physical branch locations with extended hours (Fri-Sat service, 7:00 PM Friday closing)
- listed flat-fee pricing clearly disclosed on website ($15/$100 up to $500, $10/$100 above)
- Installment loans offer 70+ day repayment terms, providing more flexibility than single-payment payday loans
- Multiple funding delivery methods: cash, ACH transfer, or Instant Funding to qualified debit cards (~30-45 minutes)
- Explicit Military Lending Act compliance and state database cross-checking to prevent over-borrowing
- Offers complementary services (check cashing, wire transfers, prepaid cards) at same locations
- 4.5-star branch rating with clear contact information and operational transparency
Cons
- Payday loans carry 391.07% APR, making them among the most expensive consumer credit products available
- Loans capped at $700 maximum, insufficient for larger emergency expenses
- Requires open checking account and recent pay stub/income verification, excluding unbanked consumers
- Company explicitly warns that repeated use becomes expensive, yet structures products for short-term lending cycles
- Instant Funding timelines variable (30-45 minutes stated but 'can take longer') and not available on all debit cards
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Kent, WA. It does not confirm that Moneytree or this specific location is licensed.
State regulator
Washington Department of Financial Institutions
Consumer protection
Payday loan rules in Washington
Status: Permitted
Rate context: Maximum fee of 15% on first $500 and 10% on amounts above $500
Amount context: $700
Payday loans capped at $700 or 30% of gross monthly income (whichever is less). Borrowers limited to 8 loans per 12-month period. After 8th loan, lender must offer no-cost installment plan. Database tracking required to prevent lending violations. Regulated by Department of Financial Institutions under RCW 31.45.
Installment loan rules in Washington
Status: Permitted
Rate context: 12% APR general usury cap applies; consumer lenders may charge higher rates under RCW 31.04 licensing provisions
Installment loans regulated under Washington Consumer Loan Act (RCW 31.04). Lenders must be licensed. No-cost installment plans required after 8 payday loans in 12 months.
Key state rules to check
- Payday loans capped at $700 or 30% of gross monthly income, whichever is less.
- Maximum fee of 15% on first $500 and 10% above $500.
- Borrowers limited to eight payday loans per 12-month period.
Complaint resources
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 Payday loans up to $700 with flat-fee pricing, Installment loans up to $700 with flexible repayment terms (70+ days), Signature loans, Check cashing (personal checks), Business check cashing, and 7 more.
What profile signals are listed for Moneytree?
Moneytree has profile signals associated with Employed individuals facing short-term cash access shortfalls before next paycheck with reliable income verification, Borrowers who need cash same-day and have access to a physical branch during operating hours, Consumers with existing Moneytree accounts seeking installment loan alternatives to extend repayment timelines, Customers needing ancillary services (check cashing, wire transfers) at a single location.
What are the strengths and weaknesses of Moneytree?
Key strengths: Same-day cash availability at physical branch locations with extended hours (Fri-Sat service, 7:00 PM Friday closing); listed flat-fee pricing clearly disclosed on website ($15/$100 up to $500, $10/$100 above); Installment loans offer 70+ day repayment terms, providing more flexibility than single-payment payday loans. Areas to consider: Payday loans carry 391.07% APR, making them among the most expensive consumer credit products available; Loans capped at $700 maximum, insufficient for larger emergency expenses.
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 employed individuals with active bank accounts facing short-term cash needs ($100-$700) who can access a physical branch and repay within 2 weeks. The critical caveat is the extremely high APR (391%); these loans should be used only for genuine emergencies and never as ongoing financial management tools, as the company itself warns repeated use becomes prohibitively expensive.
Profile Signals
- Employed individuals facing short-term cash access shortfalls before next paycheck with reliable income verification
- Borrowers who need cash same-day and have access to a physical branch during operating hours
- Consumers with existing Moneytree accounts seeking installment loan alternatives to extend repayment timelines
- Customers needing ancillary services (check cashing, wire transfers) at a single location
Updated 2026-04-29
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Quick Summary
- Moneytree is listed as a Emergency Cash provider in Kent, WA 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
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
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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Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
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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