Help for life's unexpected costs
Request installment loan options from $200–$5,000 and review clear terms before you choose
How much do you need?
- Most decisions in minutes
- No obligation
- Review terms before you choose
What you'll need
- Active checking account
- Valid email and phone
- Proof of income
Secure request loading…
How it works
1. Complete your request
Share basic info in a secure form. Takes about 2–3 minutes.
2. We search our network
We match your profile with potential lenders in our network.
3. Review your options
Get clear terms and rates. You decide if you want to proceed.
4. Accept if it fits
Choose the offer that works for you. Funding can be as soon as same day where available.*
Common reasons people request loans
Unexpected bills
Car repair or transportation costs
Medical or dental expenses
Rent / utilities timing gaps
Debt consolidation to simplify payments
Important information
We are not a lender. Money Tree Loans is a connection service that matches your request with potential lenders in our network. One request may result in offers from multiple lenders.
Rates and terms: Representative APRs typically range 4.95%–35.95% APR (always below 36%). Final rate and terms are set by the lender based on your profile. Loan amounts: $200–$5,000. Terms: 65 days – 84 months.
Funding timing: Funding can be as soon as same day where available. Funding speed depends on lender approval, time of day, and your bank's processing times. Not all applicants will qualify for same-day funding.
State availability: Available only in the USA. Not available in NY, AR, WV, VT.
Borrower feedback highlights
"The process was straightforward and I appreciated being able to review the terms before committing to anything."
"Got a quick response and the terms were clear. Helped me cover an unexpected car repair without stress."
"I liked that I could see multiple options and choose the one that fit my budget best."
Frequently asked questions
Most decisions come back within minutes after you submit your request. Once matched with a lender, they will provide you with clear terms to review.
Submitting a request through our service typically involves a soft inquiry that does not affect your credit score. If you proceed with a lender's offer, they may perform a hard inquiry as part of their approval process.
No. You are never obligated to accept any loan offer. Review the terms carefully and only proceed if it fits your needs and budget.
Funding can be as soon as same day where available, depending on lender approval, time of day, and your bank's processing times. Not all applicants will qualify for same-day funding.
Not all requests result in a loan offer. Approval is based on lender criteria including credit history, income, and other factors. If you're not matched this time, you may consider improving your credit profile and trying again later.