What loans do you offer?

At Minto Money we offer our customers term consumer installment loans to help with any unexpected expenses. These installment loans create a payment schedule so the loan can be paid off over a set period of time. 

Do you follow industry best practices?

Minto Money is a member of the Online Lenders Alliance (onlinelendersalliance.org) and adheres to its best practices concerning internet lending. We want our customers to feel comfortable which is why we recommend customers use personal financial literacy education with organizations like the Community Financial Education Foundation (CFEF) or Clarity for Consumers. Ask us how to take advantage of these services.

Why should I choose Minto Money?

We are a trusted loan lender who wants to help customers in need with any unexpected expenses. We are a quick loan service that practices excellent customer care. Our installment loans are better than payday loans because you can pay down the principal amount with each payment.

What if I have a bad credit score?

One of the benefits of getting a loan from Minto Money is that you do not need a good credit score. We lend to people with all kinds of credit backgrounds. To approve your loan we verify income, banking history, and the ability for the debt to be repaid.

Why doesn’t Minto Money lend in my state?

At this time, we do not lend in all states. If your state is not currently available, check back as we frequently add new states.

How much money can I receive?

Minto Money loans range from $100 to $3,000. A loan decision is based on the information you provide in your loan application.

What is APR?

APR (Annual Percentage Rate) is the annual rate charged for borrowing money, expressed as a single percentage number that represents the actual yearly cost of funds over the term of a loan. APR was designed to allow consumers the ability to evaluate a loan product over the course of a full year or 365 days, but we offer small installment loans that are designed to be paid between five to ten months. Each APR varies between customers and their specific loan situation. Remember, this is an expensive form of borrowing and is not intended to be a long-term financial solution.

When will the money be in my account?

Loan applications fully verified and approved Monday-Thursday by 6:30 pm Central time will be funded as soon as the next business day. Loan applications fully verified and approved Friday by 6:30 pm Central time will be funded as soon as the following Monday so long as the Monday is not a bank holiday.

Some loans may be eligible for free same-day funding if approved Mon-Fri by 2:00pm Central time.

Deposit times may vary depending on your financial institution. Same-day funding is not available in all states. Minto Money is not responsible for any additional charges applied by your financial institution.

What do I need to get a loan?

To apply for a loan you need to be at least 18 years old, not be in a bankruptcy case, and able to provide your contact information, income, and checking account.

How does the loan process work?

Our loan process is quick and simple. Once you fill out your online loan application, we will send you an email about your approval status. Once you’ve been approved and verifications have been completed, we will send you transaction documents and disclosure information for your loan. Once you read over the terms, if you agree with everything, you can electronically sign the documents. Usually, your money will be deposited within one business day. If you wish to get expedited funding, then please contact our customer care team.

When will my loan be due?

We will set up a manageable payment schedule that will tailor the payment dates to correspond with your pay dates. 

Can I cancel my loan?

You have a right to cancel your loan. We require that you start the process by 4pm Central time the next business day after the cash disbursement. We can then set up a draft to reverse the loan proceeds.

How do I make payments on my loan?

To make a payment for your installment loan you can either A) Transfer debit from your checking account into the loans account. B) Contact our customer care team at least two business days prior to your payment date. C) We also accept payments by money order or cashier’s check.

What if I can’t make my loan payment on the due date?

At Minto Money, we understand that life happens. If you are unable to make the payment on your payment date, then contact our customer care team and we will work with you to find a solution.

What if I want to pay off my loan early?

At Minto Money, you can pay off your loan at any time without penalty. To make a payment please contact our customer care team so they can process the payoff.

How do I make a payment before the due date?

If you wish to make a payment before your due date then contact our customer care team at least two days before your next payment.

What type of bank account can I use?

You can use any valid checking account that is registered under your name. Savings accounts or prepaid cards are not accepted.

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