Does money tree do payday loans

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Loans Up To $2500

Moneytree offers payday loans in California, Idaho, Nevada, and Washington. Payday loans are short-term loans designed to hold you over until you receive your next paycheck. While they can be extremely quick and convenient for emergency funding, it should be noted that payday loans carry very high interest rates which can make them difficult to repay by the due date, particularly due to the short repayment periods.

The payday lending industry is a heavily regulated industry and payday loans are outright banned in several states. Each state places different restrictions on payday loans so we recommend that you research the laws in your state before applying for a payday loan of your own.

Many individuals—about approximately 4% of Americans annually—turn to payday loans because it can be difficult to find financing if you have poor credit or need the cash quickly.1 Before deciding on payday loans, we advise all potential borrowers to analyze all the possible options they have at their disposal for funding. Look into borrowing some cash from a friend or family member. You might be surprised how willing they might be to help you through a hard time.

Some other options you might explore in addition to payday loans include personal loans with longer repayment periods from a credit union or other online lender. These loans may give you a better chance of repaying your loan on time at more affordable rates. The important thing to remember is that you need to carefully consider the various possible outcomes before making any big financial commitments.  

Whether you decide to obtain a payday loan or not, there are several steps you can take after your financial crisis has passed to create a more stable future for yourself. Once you are back on your feet, put your efforts toward building an emergency fund in a separate savings account. A good starter emergency fund should be around $1,000. Having an emergency fund will enable you to handle any and all unexpected expenses that pop up without turning to high-cost loans. 

Each and every good decision you make with your money will lead to a healthier financial future. To learn more check out CreditNinja’s dojo.


  1. Payday Loan Statistics for 2023 | Balancing Everything
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