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Macro International Cargo
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Moneytree in Chula Vista, CA
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Moneytree is a California-licensed lender offering payday loans up to $255, check cashing services, and prepaid cards at physical locations.
Data compiled from public sources
Moneytree Review
Moneytree operates physical branch locations across California, including the Chula Vista location at 1111 Broadway. The company is licensed by the California Department of Financial Protection and Innovation under the CA Deferred Deposit Transaction Law to make consumer loans. With a 4.6-star rating, the Chula Vista branch maintains extended hours (8 AM–8 PM weekdays, 9 AM–7 PM Saturday, 10 AM–4 PM Sunday), making it accessible for working consumers.
Moneytree's primary services include payday loans up to $255 (subject to qualification), check cashing for multiple check types, prepaid cards, wire transfers, and business check cashing. Payday loans are marketed as short-term, single-payment solutions with funds available in cash, via ACH transfer, or through Instant Funding to qualified debit cards within approximately 30–45 minutes. The company processes most checks on-the-spot with no bank holds, accepting payroll, government, personal, insurance, settlement, cashier's, and tax refunds at tiered fee rates (1.99%–6.99% depending on check type, plus $1.99 on transactions over $20).
Moneytree differentiates itself through convenient in-person service, extended branch hours, multiple funding delivery options (cash, ACH, debit card), and no bank holds on check cashing. The Chula Vista location provides phone-based support (619-426-6669) and in-person consultations. The company explicitly does not serve active-duty military members (covered borrowers under the Military Lending Act) and requires borrowers to maintain current, good-standing accounts.
Moneytree's payday loans carry a 460.16% APR on a $100, 14-day loan ($17.65 per $100 borrowed), placing this firmly in the high-cost small-dollar lending category. The website includes a customer notice warning that small-dollar loans used long-term become expensive. This service model is best suited for genuine short-term cash gaps, not ongoing debt management.
Services & Features
ACH transfers for payday loan funding
Bill payment services (implied via 'How We Can Help')
Business check cashing
Cash delivery of payday loans
Check cashing (personal, payroll, government, insurance, settlement, cashier's, tax refunds)
Instant Funding to qualified debit cards (30–45 minute processing)
Money orders
Payday loans up to $255 with approval
Prepaid cards
Wire transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 4.6-star rating with extended hours (8 AM–8 PM weekdays, 9 AM–7 PM Saturday)
- Check cashing with no bank holds—most checks processed on-the-spot
- Multiple check types accepted: payroll, government, personal, insurance, settlement, tax refunds, money orders
- Fast payday loan funding options: cash, ACH, or Instant Funding to debit card (~30–45 minutes)
- Tiered check cashing fees (1.99%–6.99%) with lower rates for payroll, government, and tax checks
- Licensed by California Department of Financial Protection and Innovation
- In-person branch service with phone support available
- No minimum check amount requirement
Cons
- Payday loans carry 460.16% APR—extremely high cost for short-term borrowing
- Payday loan maximum of only $255 limits utility for larger emergencies
- Check cashing fees on personal checks reach 6.99% plus $1.99 per transaction over $20
- Company does not serve active-duty military members (Military Lending Act restriction)
- Website warning acknowledges small-dollar loans used long-term become expensive
State Consumer Finance Context
This is state-level context for Check Cashing & Money Services consumers in Chula Vista, CA. It does not confirm that Moneytree or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Money services context in California
Short-term lending status: Legal
General rate context: 10% for personal/consumer loans (Article XV, CA Constitution); payday loans capped at $15 per $100
California regulates payday loans at a maximum of $300 with a $45 fee cap. The DFPI oversees all consumer lending and enforces the California Consumer Financial Protection Law. Consumers have strong rights under the state's comprehensive lending regulations, including the ability to file complaints online with the DFPI.
Key state rules to check
- Payday loans capped at $300 with maximum fee of $15 per $100 (459% APR equivalent).
- The California Consumer Financial Protection Law grants DFPI broad enforcement authority.
- Licensed finance lenders under the California Financing Law can charge rates above usury for loans under $10,000.
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 10 services including Payday loans up to $255 with approval, Check cashing (personal, payroll, government, insurance, settlement, cashier's, tax refunds), Business check cashing, Money orders, Prepaid cards, and 5 more.
What profile signals are listed for Moneytree?
Moneytree has profile signals associated with Consumers with urgent check cashing needs who want immediate access without bank holds, Workers needing small payday loans ($100–$255) for genuine short-term gaps before next paycheck, Unbanked or underbanked individuals seeking in-person financial services in Chula Vista, Business owners needing to cash business checks quickly.
What are the strengths and weaknesses of Moneytree?
Key strengths: 4.6-star rating with extended hours (8 AM–8 PM weekdays, 9 AM–7 PM Saturday); Check cashing with no bank holds—most checks processed on-the-spot; Multiple check types accepted: payroll, government, personal, insurance, settlement, tax refunds, money orders. Areas to consider: Payday loans carry 460.16% APR—extremely high cost for short-term borrowing; Payday loan maximum of only $255 limits utility for larger emergencies.
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
- 1111 Broadway Suite 308, Chula Vista, CA 91911
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Moneytree
Moneytree is profile signals for consumers needing check cashing without bank holds or small payday loans for genuine short-term gaps. The critical caveat is that payday loans at 460.16% APR should only be used as a true emergency bridge; the company's own disclosure warns that using small-dollar loans repeatedly becomes prohibitively expensive.
Profile Signals
- Consumers with urgent check cashing needs who want immediate access without bank holds
- Workers needing small payday loans ($100–$255) for genuine short-term gaps before next paycheck
- Unbanked or underbanked individuals seeking in-person financial services in Chula Vista
- Business owners needing to cash business checks quickly
Updated 2026-04-29
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Quick Summary
- Moneytree is listed as a Check Cashing & Money Services provider in Chula Vista, CA on CreditDoc.
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