Credit, when it helps. Not when it hurts.

When a loan from us is a good idea

A Money Loan Capital loan is a good fit when all three of the following are true:

• You have a specific, short-term expense that cannot wait (an emergency car repair, a medical bill, an overdue rent payment).
• You have a clear, realistic plan to repay on schedule from income you expect to receive.
• You've considered free or lower-cost alternatives — family, employer pay advances, payment plans, or nonprofit assistance — and they are not available in time.

When a loan from us is not a good idea

Please do not borrow from Money Loan Capital if:

• You need the money to repay another short-term loan and you have no new income source to cover ours.
• You are already behind on basic living expenses and don't see a path to catching up.
• You're considering the loan for non-essential spending.
• You are currently in credit counseling or a debt management plan.

If any of these apply, we encourage you to contact one of the nonprofit resources below before borrowing anywhere. They are free.

Our commitments to every borrower

Affordability check before approval

Before we approve any loan, we verify that the proposed monthly payment fits comfortably within your stated income and that the loan does not push your debt-to-income ratio into a range our underwriting flags as unaffordable. We will decline applications when the numbers do not work.

Capped APR, capped fees

No Money Loan Capital loan will ever carry an APR greater than 35.99%, and no fee is ever charged outside of that APR. Our product is engineered this way — it is not a promise we could break even if we wanted to.

Grace period and hardship plans

Every loan has a 10-day grace period before a late fee can be assessed, and late fees are capped at the lesser of $15 or 5% of the missed payment. If you let us know you'll be late before the payment date, we will work with you on a due-date change or a short-term hardship plan at no cost.

No coercive collections

We do not use confession of judgment clauses, we do not wage-garnish without a court order, and we follow the Fair Debt Collection Practices Act to the letter. We do not sell delinquent debt to third-party buyers as a first-line collection tactic.

Credit building for on-time payments

We report on-time payments to one or more nationwide consumer reporting agencies. Responsible borrowers who repay their Money Loan Capital loan as agreed can see a measurable positive impact on their credit file.

Short-term loans are short-term solutions

We want to be explicit: personal loans — including ours — are designed for short-term financial needs and are not a long-term financial solution. Consumers with recurring cash-flow problems should consider budget counseling, debt management, or public assistance programs rather than taking on additional debt.