Emergency-Cash · Washington
Rating: 2.1/5
Moneytree offers payday and installment loans up to $700, plus check cashing and wire transfers at physical locations in Washington. Fast funding available with flat-fee pricing.
Moneytree is a licensed consumer finance company operating physical branch locations in Washington State, including their Greenwood branch in Seattle. The company specializes in short-term consumer lending products designed for immediate cash needs. Founded as a storefront lender, Moneytree maintains a brick-and-mortar presence while also offering online loan applications for certain products.
Moneytree's primary offerings include payday loans (up to $700), installment loans (up to $700), signature loans, check cashing services, business check cashing, prepaid cards, and wire transfers. Payday loans are structured as short-term single-payment loans with a flat fee: $15 per $100 borrowed up to $500, and $10 per $100 on amounts over $500. For example, a $100 payday loan due in 14 days costs $115 total (391.07% APR).
Installment loans allow borrowers to repay over multiple payments rather than a lump sum. Funds can be received in cash, via ACH to a bank account (online loans only), or through Instant Funding to a qualified debit card within approximately 30-45 minutes.
Moneytree distinguishes itself through same-day or rapid funding options, physical branch locations for in-person service, and explicit fee transparency on their website. They provide specific loan examples with exact repayment amounts and APR calculations. The company requires standard documentation (valid ID, proof of income, bank account) and explicitly excludes military-covered borrowers under the Military Lending Act. They also reference state database checks regarding borrowing activity with other lenders.
The honest assessment is that Moneytree serves consumers in genuine financial emergencies but operates at the high-cost end of the lending spectrum. Their 391% APR on payday loans reflects the short-term, high-risk nature of the product. The company includes consumer notices acknowledging that small-dollar loans used long-term become expensive, and their maximum loan amounts ($700) keep them in the emergency-cash category rather than personal lending. Borrowers should view these products as short-term solutions only, not ongoing financial strategies.
Reader-focused summary of the strongest reasons to consider Moneytree and the factors most worth weighing before contracting. Individual outcomes depend on your credit situation and goals.
Moneytree works best for consumers who value transparent flat-fee structure clearly disclosed: $15 per $100 up to $500, $10 p and can accept the tradeoff of extremely high apr of 391.07% on payday loans, reflecting the cost of short-term. Compare against similar providers below before signing any contract.
Before signing up with any Emergency Cash provider, review these safeguards:
Match these decision factors against Moneytree's profile before committing. This rubric mirrors what independent consumer-finance research typically checks for Emergency Cash providers.
Emergency Cash
11 services listed
1 states
Moneytree offers 11 services including Payday loans up to $700 with flat-fee pricing and 14-day terms, Installment loans up to $700 with multi-payment repayment options, Signature loans (product details not fully detailed on website), Check cashing services, Business check cashing, and 6 more. Confirm current service list directly with the provider before contracting.
Moneytree's profile signals suggest it may fit: Consumers needing $100-$700 in immediate cash for urgent expenses with reliable income; Borrowers who prefer installment repayment over single-payment payday loan structures; Individuals who need same-day or next-day funding and have access to a Moneytree branch location. Individual outcomes vary based on your specific situation.
Key strengths: Transparent flat-fee structure clearly disclosed: $15 per $100 up to $500, $10 per $100 over $500; Multiple funding methods including Instant Funding to debit cards within 30-45 minutes; Both payday and installment loan options, allowing borrowers to choose lump-sum or multiple-payment repayment. Areas to consider: Extremely high APR of 391.07% on payday loans, reflecting the cost of short-term borrowing; Maximum loan amount of $700 limits utility for larger emergency expenses.
In the Emergency Cash category, comparable providers include ACE Cash Express, 12M Payday Loans, 15M Finance. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Moneytree serves customers in 1 states including Washington. Confirm current service availability in your state directly with the provider.
Listed pricing for Moneytree: monthly price: 0; setup fee: 0; money back guarantee: False. Pricing may change — verify current fees directly with the provider before signing any contract.
This is state-level context for Emergency Cash consumers in Washington. It does not confirm that Moneytree or this specific location is licensed.
Payday lending in Washington: Legal (max $700)
Usury cap: 12% general usury; payday loans capped at $700 with tiered fees (15% on first $500)
Washington allows payday lending with a $700 cap, tiered fee structure, and a limit of eight loans per year. After the eighth loan, borrowers must be offered a no-cost installment plan. The Department of Financial Institutions regulates consumer lenders, and complaints can be filed with DFI or the Attorney General.
Comparable Emergency Cash providers with similar service scope. Ratings reflect stored review context; verify current licensing and pricing directly before contracting.
ACE Cash Express offers payday loans ($100–$255) and short-term cash advances in California, with both online and in-store options for fast emergency funding.
Rating 3.3/5
Notable: Low loan caps ($100–$255 max in California) reduce the risk of over-borrowing compared to larger payday loans
12M Payday Loans operates physical locations across California offering fast payday loans up to $5,000 and check cashing services for urgent financial needs.
Rating 2.8/5
Notable: 14 physical store locations across California enabling in-person service and same-day transactions
15M Finance offers payday and installment loans up to $5,000 with online applications and 24-hour funding. A loan marketplace that connects borrowers to lend...
Rating 2.8/5
Notable: Advertises same-day or next-day funding (within 24 business hours) for time-sensitive borrowing needs
1st Capital Car Title Loans Clover offers fast title loans up to $10,000 in Clover, SC, allowing borrowers to keep their vehicles while accessing emergency cash.
Rating 4.3/5
Notable: Loan amounts up to $10,000 available for emergency cash needs
Second Chance Ventures is a loan matching platform connecting borrowers with lenders for small personal and short-term loans ($100-$5,000) with fast funding.
Rating 2.6/5
Notable: Two-minute application process requiring only basic identity, employment, and income information
300 Cash Loans Houston, TX — 300 Cash Loans offers payday and installment loans up to $5,000 in Houston with no hard credit checks and next-business-day...
Rating 2.8/5
Notable: No hard credit checks; applicants approved based on income and eligibility rather than credit score
A-1 Cash Advance offers payday loans up to $825 with same-day online approval and check cashing services across Indiana and Tennessee locations since 1996.
Rating 2.8/5
Notable: Same-hour online approval with 24/7 application availability
Georgia-based lender offering small personal loans up to $2,000 with same-day approval and pickup. Licensed by Georgia Department of Banking & Finance with 1...
Rating 2.6/5
Notable: Same-day approval and cash pickup available for applications submitted before 2 PM
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Moneytree — Emergency Cash in Washington.
Overall rating: 2.1/5
Moneytree offers payday and installment loans up to $700, plus check cashing and wire transfers at physical locations in Washington. Fast funding available with flat-fee pricing.
Common terms that come up when comparing Emergency Cash providers. Full glossary at creditdoc.co/glossary/.