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Macro International Cargo
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Moneytree in Westminster, CO
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Moneytree is a financial services provider offering installment loans, check cashing, wire transfers, and prepaid cards at physical branch locations in Colorado.
Data compiled from public sources
Moneytree Review
Moneytree operates physical branch locations across Colorado, with the Westminster location serving as a full-service financial services center. The company has been positioned as a consumer finance alternative for customers seeking quick access to cash and credit products. Their service model combines traditional check cashing with modern installment lending and alternative financial products. The Westminster branch maintains extended hours (9 AM–7 PM Monday–Saturday, closed Sundays) and holds a 4.2-star rating from customer reviews.
Moneytree's core offerings include installment loans ranging from $100–$525 for first-time borrowers, with flexible repayment terms and multiple fund delivery options (cash, ACH transfer, or instant debit card funding). They also provide check cashing for personal, payroll, government, insurance, settlement, and retirement checks; business check cashing; prepaid card services; and wire transfers. Installment loan terms are clearly disclosed, with the example $325 loan showing a 6-month term at 100.92% APR with total repayment of $420 ($95 in finance charges). Application requirements are listed: valid ID, SSN/ITIN, proof of income, and an open checking account.
Moneytree distinguishes itself through same-day or rapid fund availability (Instant Funding in approximately 30–45 minutes for qualified debit cards), multiple fund delivery methods, and in-branch availability for customers who prefer face-to-face service. They explicitly do not serve military borrowers under the Military Lending Act. The company includes a customer notice warning that small-dollar loans used long-term can be expensive, demonstrating basic disclosure compliance.
The primary caveat is the very high APR on installment loans (100.92% in the disclosed example), which significantly exceeds standard personal loan rates and approaches payday loan territory. While installment loans offer longer repayment periods than payday loans, borrowers should carefully evaluate whether the convenience justifies the cost. Moneytree's primary profile context is accessibility and speed rather than affordability, making it suitable only for borrowers with limited credit options and genuine emergency cash needs.
Services & Features
ACH bank transfers for loan funds
Business check cashing
Check cashing (personal, payroll, government, insurance, settlement, cashier's, retirement, pension)
Flexible repayment schedules (biweekly and other terms)
In-branch cash loan disbursement
Installment loans ($100–$525 for first-time borrowers)
Instant debit card funding for loans
Online loan applications
Prepaid cards
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Fast funding available: Instant Funding deposits to qualified debit cards in approximately 30–45 minutes
- Multiple fund delivery options: cash, ACH transfer, or instant debit card deposit
- Flexible installment loan terms: loans repaid over months rather than weeks, with biweekly payment schedules
- Extended branch hours: open 9 AM–7 PM Monday–Saturday for in-person service and applications
- Clear fee disclosure: specific APR, finance charges, and payment amounts provided upfront with example calculations
- Low minimum loan amounts: first-time borrowers can access loans starting at $100
- No military borrower exclusion avoidance: explicitly compliant with Military Lending Act restrictions
- Multiple service types: check cashing, wire transfers, and prepaid cards available alongside loans
Cons
- Extremely high APR: 100.92% APR on example loan is far above standard personal loan rates and comparable to high-cost lending
- High total cost: $325 loan costs $420 total ($95 in finance charges alone) over 6 months
- Limited loan amounts: maximum $525 for first-time borrowers is restrictive for non-emergency needs
- Instant Funding not guaranteed: not available for all debit cards and subject to processor delays
- Current account requirement: borrowers must maintain an open checking account and current account balance in good standing
State Consumer Finance Context
This is state-level context for Check Cashing & Money Services consumers in Westminster, 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
Money services context in Colorado
Short-term lending status: Restricted
General rate context: 36% APR cap on payday loans (2018 ballot measure); 12% for consumer loans under usury statute
Colorado voters approved Proposition 111 in 2018, capping payday loan APR at 36% and requiring minimum 6-month terms. The Uniform Consumer Credit Code provides comprehensive consumer protections for all credit transactions. Consumers can file complaints with the Attorney General or the Division of Banking.
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 10 services including Installment loans ($100–$525 for first-time borrowers), Check cashing (personal, payroll, government, insurance, settlement, cashier's, retirement, pension), Business check cashing, Wire transfers, Prepaid cards, and 5 more.
What profile signals are listed for Moneytree?
Moneytree has profile signals associated with Customers with emergency cash needs and no access to traditional credit or payday alternatives, Check cashers and individuals who need wire transfer or prepaid card services at physical locations, Borrowers seeking installment structure over lump-sum payday loans despite high APR costs, Customers in Colorado with extended availability needs (evenings and Saturdays).
What are the strengths and weaknesses of Moneytree?
Key strengths: Fast funding available: Instant Funding deposits to qualified debit cards in approximately 30–45 minutes; Multiple fund delivery options: cash, ACH transfer, or instant debit card deposit; Flexible installment loan terms: loans repaid over months rather than weeks, with biweekly payment schedules. Areas to consider: Extremely high APR: 100.92% APR on example loan is far above standard personal loan rates and comparable to high-cost lending; High total cost: $325 loan costs $420 total ($95 in finance charges alone) over 6 months.
How does Moneytree compare to similar companies?
In the Check Cashing & Money Services category, comparable providers include Macro International Cargo, 47th & Pulaski Currency Exchange, Productos Colombianos | Envios de Paqueteria a Colombia | Cambio de Cheques | en San Jose CA | Elite Multiservice. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 8140 Sheridan Blvd, Westminster, CO 80003
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Moneytree
Moneytree is profile signals for Colorado residents facing genuine financial emergencies who lack access to traditional personal loans or credit and need provider-stated funding timing through a physical location. The critical caveat is the 100.92% APR on installment loans—while longer repayment terms offer relief compared to payday loans, the total cost is extremely high and borrowers should explore payday alternative loans (PALs) or credit union options before committing.
Profile Signals
- Customers with emergency cash needs and no access to traditional credit or payday alternatives
- Check cashers and individuals who need wire transfer or prepaid card services at physical locations
- Borrowers seeking installment structure over lump-sum payday loans despite high APR costs
- Customers in Colorado with extended availability needs (evenings and Saturdays)
Updated 2026-04-29
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47th & Pulaski Currency Exchange
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Quick Summary
- Moneytree is listed as a Check Cashing & Money Services provider in Westminster, 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.
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- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
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