MoneyMutual Reviews: Is Money Mutual Legit or a Bad Credit Scam?


MoneyMutual is a payday loan company that allows you to borrow $200 to $5,000 in just 24 hours.

By filling out a simple form on MoneyMutualyou can instantly connect to 91 lenders to find the best deal in your area.

Is MoneyMutual legal? How does MoneyMutual work? Read on to learn everything you need to know about this payday loan website.

What is MoneyMutual?

MoneyMutual, found online at, is a payday loan website that allows you to deposit anywhere from $200 to $5,000 into your account in 24 hours.

Just fill out the form on to get started and you’ll be able to instantly view offers from lenders that operate in your area.

MoneyMutual is one of the most trusted payday loan websites available online today. With more than 2,000,000 customers, MoneyMutual has a proven track record of providing the payday loans they need. You can watch MoneyMutual commercials on TV, and TV’s Montel Williams was a spokesperson for MoneyMutual for almost a decade.

How does MoneyMutual work?

MoneyMutual makes it easy to get a short term loan in 24 hours or less and is by far one of the best loan providers for bad credit in 2022.

As long as you’re 18, have a proven income of at least $800 a month, and have a checking account, you should be able to find a payday loan through MoneyMutual.

Simply enter your information into and then view offers from payday lenders. MoneyMutual works with over 90 companies to ensure customers get the payday loans they need, when they need them.

After selecting the offer through MoneyMutual’s online comparison screenYou visit the lender’s website, fill out additional information and get the money you need as soon as possible.

This is how it works:

  • Step 1) Provide your information: Fill out the form on and MoneyMutual will send your information to the lenders.
  • Step 2) Lender Verification: Lenders will immediately review your information to determine the right solution. Then they present you their best offer on the next page.
  • Step 3) Get your money: Browse a list of loan offers and get money deposited into your bank account in just 24 hours.

You can use MoneyMutual for loans between $200 and $5,000.

How much does MoneyMutual cost?

MoneyMutual is available free of charge. You fill out the form and submit your information for free via the online marketplace.

However, once you have selected a lender through MoneyMutual, that lender charges fees in return for lending the money. Read the terms carefully to make sure you understand how much a loan will cost.

How long does it take to use MoneyMutual?

Filling out MoneyMutual’s online form takes about five minutes. If you’ve used MoneyMutual before and are a returning customer, then it takes even less.

Once you fill out the online form and select an offer, you can get the money in your account in just 24 hours.

How does MoneyMutual’s lenders work?

MoneyMutual works with over 90 lenders to find the best deal for your unique needs. Each lender takes into account your personal information and the financial information you provide to ensure the best possible match.

Here’s how lenders verify your information, according to MoneyMutual:

  • Lenders automatically verify your information after you submit an application through the website
  • Each lender follows pre-established requirements to make a decision
  • When a lender decides to lend you money, you will be redirected to their website where you can review the loan terms and accept the loan
  • Lenders may also contact you to verify personal information, confirm your bank account number, and complete the loan

That’s it. Like other payday lenders, MoneyMutual’s payday lenders are required by law to disclose all fees up front. They are also prevented by law from charging excessive annual interest. Check all fees and charges upfront to avoid surprises.

What’s the catch?

There is no “catch” to using MoneyMutual. The site really connects you with payday lenders and short term lenders in your area who can lend you money asap.

Be sure to read the terms and conditions on your lender’s website to ensure you understand the terms of the contract. Although MoneyMutual is a free service, each lender has their own terms and conditions.

MoneyMutual Reviews: What Do Customers Have To Say?

The payday loan industry is filled with shady companies. However, MoneyMutual is one of the best-known and longest-standing companies in the industry. With celebrity endorsements from Montel Williams and over a decade of experience, MoneyMutual has helped more than 2 million people get access to the money they need.

Here are some of the MoneyMutual reviews from verified online customers:

Most customers agree that MoneyMutual works as advertised to provide them with short-term funding sources and to bring borrowers and lenders together in a transparent marketplace

Customers like MoneyMutual because of the transparent rates and credit system, which makes it easy to see the best deal from each lender

Many use MoneyMutual after watching the TV commercials and find that MoneyMutual lives up to its claim of providing effective credit to those in need

Some customers even praise MoneyMutual’s customer service department – something that is not a forte of most payday lending companies

Negative reviewers tend to leave bad reviews because of bad interactions with the third-party lender, not bad interactions with MoneyMutual; For example, some lenders have high interest rates and fees that may surprise customers who don’t read the terms and conditions

MoneyMutual requirements

Borrow money through MoneyMutualyou must meet the following requirements:

  • Be at least 18 years old
  • Have at least $800 per month in verifiable income
  • Do you have a checking account

Some lenders require additional things from borrowers – like an SSN. Others do not require any additional information or data.

About MoneyMutual

MoneyMutual is a free online resource based in Las Vegas, Nevada. The company is not a lender: they work with lenders to help people find payday loans for short-term financial needs.

Between 2010 and 2018 Montel Williams was spokesperson for MoneyMutual.

You can contact MoneyMutual as follows:

Last word

According to the Economic Well-Being of US Households report, 40% of Americans would not be able to raise $400 in an emergency.

To get a fast, easy, and affordable payday loan from a trusted lender, visit today. The site connects you to dozens of lenders in your area to ensure you’re getting the best deal, and you can fund your account from $200 to $5,000 in as little as 24 hours.

To learn more about MoneyMutual or to apply online today, Visit the official website at

Disclosure of Partners:

The links contained in this product review may result in a small commission if you decide to purchase the recommended product at no additional cost to you. This will support our research and editorial team. Please note that we only recommend high quality products.


Please understand that any advice or guidance disclosed herein is not remotely a substitute for sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional physician or financial advisor before making any purchasing decision if you are taking any medication or have any concerns based on the verification details provided above. Individual results may vary because claims made about these products have not been evaluated by the Food and Drug Administration or Health Canada. The efficacy of these products has not been validated by FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure, or prevent any disease or provide any type of get-rich-money system.


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