Frequently Asked Questions

There is no cost to fill out a form and submit your information through our online marketplace. If a lender decides they would like to work with you, the lender will pay us to connect you with them. As a marketplace, we do not receive any information that allows us to evaluate or compare offers from potential lenders. Please carefully review any offer you receive from a lender to make sure it meets your needs and you fully understand the terms.

If a lender offers you a loan and you accept right away, you may be able to get the money deposited directly into your account in as little as 24 hours.* Accepting a loan offer on a weekend, holiday, or any other non-business day may affect how long it will take for you to get your money; in these cases, it may take a bit longer.

Our form takes about five minutes to fill out—less if you are a returning consumer. If you complete our form today, you should have a decision from a lender within minutes after submitting our information. From there, if a lender offers you a loan and you accept right away, you may be able to get the money deposited directly into your account in as little as 24 hours.*

After you submit your information, lenders will review it to determine if they would like to work with you. If a lender would like to work with you, you will be transferred to the lender’s website. If the lender makes you a loan offer, you will have an opportunity to review and approve the terms and conditions of your loan offer.

MoneyMutual® is not a lender so that information isn’t available to us. Once you have found a lender to work with they will send you all the terms and conditions of your loan offer. It should include the interest rate, dates for repayment, finance charges, and more. Different lenders offer many different kinds of loans. Remember, you have a choice whether or not you want to accept the loan offer. If you don’t agree to the terms, you can decline and resubmit to find another lender.

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Use your funds for whatever you need, including one-time special events like weddings and holidays, unexpected expenses like car repairs and emergency medical expenses or almost anything else that requires extra funds.

Some lenders accept social security, pension, disability, or other kinds of benefits, as qualifying income. If you receive at least $800 a month as well as meet other lender requirements, you may be able to get a loan offer. Other conditions may apply and will vary from lender to lender.

Most short-term lenders only offer loans up to $5,000.* If you’re approved and practice responsible borrowing, you can find a lender again when needed.

Some lenders accept social security, pension, disability, or other kinds of benefits, as qualifying income. If you receive at least $800 a month as well as meet other lender requirements, you may be able to get a loan offer. Other conditions may apply and will vary from lender to lender.

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Sometimes email can go to your “junk email”, “promotions” or “spam” folder – check there first for an email from us or your lender. If you can’t find it there, email us at customerservice@moneymutual.com and we will respond as quickly as possible.

MoneyMutual.com is a free resource that provides a marketplace where potential borrowers and potential lenders can come together. We offer simple, quick and secure access to lenders. So instead of waiting in a line or searching for lenders, our website can help make the process of finding a lender to meet your needs, faster and easier! You can avoid spending hours of your time applying individually on several websites, and simply request a loan offer by submitting your information to lenders by using the MoneyMutual® online marketplace.

We are committed to your privacy and the security of your personal information. Please read our privacy policy to understand exactly what we do with your information and how it is protected.

If you only pay part of the loan, have a late payment, or don’t pay it back at all, you could end up paying additional fees and face collections from your lender. If you think you might miss a payment, you should immediately contact your lender directly using the information they provided. Please remember to use short term loans responsibly and accept the loan offer only if you’re confident in your ability to repay based on the lender’s terms. If you want to learn more about late or missed payments check out our loan fees and repayment page. Please check with your individual lender to learn how they handle late payments, non-payments or loan defaults.

Most lenders will require you to provide your employer’s name and business phone number before they make a loan offer. You’re not required to provide the address on our site, though.

Lenders simply need to make sure they can make a direct deposit into your bank account if you accept their loan offer. MoneyMutual.com is free to use, so you won’t be charged any fees to use our online marketplace.

MoneyMutual® is not a lender, and we won’t contact your employer. After you connect with a lender, some may call the number you provide to verify employment, but they typically do not discuss your financial situation. Remember, the form is asking for the main number of your employer, so make sure you are providing the correct one.

MoneyMutual® is not a lender and has no access to your loan information. If you’ve been given a loan offer, you should contact the lender with any questions that deal with payments before accepting the terms of the loan. Learn more about payments on our loan fees and repayment page.

While qualifications vary from lender to lender, most will require that you have a valid checking account so they can deposit the loan funds directly into your account. Unfortunately, lenders can’t deposit directly into a savings account or onto a pre-paid debit card.

Each lender is different, so the terms and conditions they offer are also different. If you get offered a loan by a lender, it should include all the details of your loan, including dates for repayment. You have a choice in whether or not you agree to the terms of the offer, so if you don’t agree with the terms of the loan offer, you do not have to accept. And you’re always more than welcome to come back and re-submit your information to see if a different lender may be able to work with you.