[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/money-pup-loans-review\/#Article","mainEntityOfPage":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/money-pup-loans-review\/","headline":"Money Pup Loans Review 2025: Potentially Scary APRs","name":"Money Pup Loans Review 2025: Potentially Scary APRs","description":"Money Pup Loans Best For: People who have bad credit and have been denied...","datePublished":"2020-06-04","dateModified":"2025-01-22","author":{"@type":"Person","@id":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/#Person","name":"Shannon Serpette","url":"https:\/\/moneydoneright.com\/author\/shannon-serpette\/","identifier":63,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/e8497bb70d7dace1eacc262ce2d9add2d2ea01626758283a5a9529a519b0862b?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Money Done Right","logo":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/Money-Done-Right-Personal-Finance-and-Investing-Blog.png","width":488,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/moneydoneright.com\/wp-content\/uploads\/money-pup-loans-review.jpg","url":"https:\/\/moneydoneright.com\/wp-content\/uploads\/money-pup-loans-review.jpg","height":460,"width":1900},"url":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/money-pup-loans-review\/","commentCount":"1","comment":[{"@type":"Comment","@id":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/money-pup-loans-review\/#Comment1","dateCreated":"2020-10-26 07:39:15","description":"How do I contact them","author":{"@type":"Person","name":"Debra L FARIA","url":""}}],"about":["Personal Loans"],"wordCount":2439,"keywords":["schema"],"articleBody":"\t    \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tMoney Pup Loans\t\t\t\tBest For: People who have bad credit and have been denied elsewhere.Pros: Money Pup will match you up with lenders even if you have poor credit. It\u2019s a free service, and they don\u2019t have strict qualification requirements.Cons: The interest rates for short-term loans are astronomically high.  Money Pup Loans does note that in addition to their listed requirements, lenders might have other ones as well. There may be states where people can get loans through the lenders who work with Money Pup.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPR (Details)\t\t\t\t\t\t\t\t\t\t2\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFees (Details)\t\t\t\t\t\t\t\t\t\t4\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTransparency (Details)\t\t\t\t\t\t\t\t\t\t8\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFlexibility (Details)\t\t\t\t\t\t\t\t\t\t5\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tFunding Speed (Details)\t\t\t\t\t\t\t\t\t\t10\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAccessibility (Details)\t\t\t\t\t\t\t\t\t\t6\/10\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tAPRShort-term loans may be 200 - 2,290%MINIMUM CREDITNot statedTERMSDepends on lenderORIGINATION FEEDepends on lender\t\t\t\tOur Review Methodology        We may receive a commission if you sign up or purchase through links on this page.  Here's more information.    If you\u2019ve had serious trouble with your credit in the past and have problems getting conventional loans, you might benefit from a lending platform like Money Pup Loans that doesn\u2019t have strict requirements.They can help link you to a lender who is willing to overlook your credit score and issue you a loan anyway. That can be a relief when you need money but know that your past handling of finances has been spotty.This Money Pup Loans review will show the highlights and pitfalls of doing business with this company.Table of ContentsToggleMoney Pup Loans OverviewMoney Pup Loans DetailsHow to Apply at Money Pup LoansMoney Pup Loans Consumer ReviewsMoney Pup Loans Pros and ConsMoney Pup Loans Frequently Asked QuestionsAlternatives to Money Pup LoansMoney Pup Loans OverviewWhat Is Money Pup Loans?While Money Pup Loans isn\u2019t a lender, it can help introduce you to companies that will lend you money. They\u2019ll collect some information about you and what you want.Then they\u2019ll funnel it to the circle of lenders they work with.You\u2019ll look over the terms of any agreements that are sent to you by interested prospective lenders. You may decide you want to proceed with the loan, or you may tell them you\u2019re not interested.That\u2019s up to you, and there\u2019s no obligation to accept any of the offers sent to you.Money Pup Loans HighlightsMoney Pup Loans can hook you up with a small loan or a big one. The loans range from $100 to $50,000.Some lending platforms don\u2019t give consumers the ability to get loans that are that large.If you decide to apply, know that the lender might not give you the full loan amount you requested. If you ask for $5,000, they may offer you $500.It just depends on how much of a repayment risk they think you are.Money Pup Loans DetailsWe have the lowdown on Money Pup Loans, so you can be armed with information.APRMoney Pup Loans doesn\u2019t disclose on its website how long the terms of the loans offered by their lenders are. But it does say you might be given a short-term loan. Those loans may carry anywhere from 200 to 2,290 % interest.You should look for any way out of your financial hardship rather than agree to that. Consider selling some of your belongings or begging family members for a loan.Anything is better than agreeing to pay that much interest.What isn\u2019t clear, however, is if the lenders who work with Money Pup Loans also offer better rates. It\u2019s likely they don\u2019t or Money Pup Loans would be wise to list that information on their website as well.They\u2019ll scare off a lot of would-be borrowers if they only list the APRs for payday loans on their website, but also have lenders with more favorable terms.FeesFees are an important component of whether you should accept a loan because they can add hundreds to the cost. Money Pup Loans doesn\u2019t charge any fees for submitting your information or dispersing it to the affiliate lenders.But it\u2019s hard to determine what the fees will be through their affiliate lenders. They don\u2019t give any indication on their website as to what you can expect regarding prepayment or origination fees.But if the listed APRs are any indication, it might not be good.TransparencyMoney Pup Loans may not mention much about the rates and fees you can expect, but it does offer other information.They make it a cinch to contact them by providing a \u201cContact Us\u201d page that has an online form to submit, as well as a phone number. That\u2019s encouraging since some of the lending platforms we\u2019ve reviewed in the past don\u2019t make their contact information as accessible.It also has an \u201cAbout Money Pup Loans\u201d page that goes over more details, such as the encryption they use so you have quite a bit of information about them at your fingertips.FlexibilitySince they are a lending platform and don\u2019t issue loans themselves, Money Pup Loans won\u2019t be able to assist you if you have difficulty making payments.They can\u2019t offer you a forbearance. They\u2019ll do what all lending platforms encourage consumers to do if they\u2019re struggling — contact the lender directly.Funding SpeedIf a fast loan is what you want, Money Pup Loans can deliver in that capacity. If you\u2019re timely about reviewing your loan offers, you can have your cash the next business day after you accept the loan conditions.The speed with which these types of loans are given makes them attractive for those who need a quick infusion of cash.AccessibilityThere are multiple states where you can\u2019t use Money Pup Loans, including Arkansas, Arizona, Georgia, Connecticut, Virginia, West Virginia, Maryland, New York, North Carolina, New Jersey, Pennsylvania, Massachusetts, Vermont, and Ohio. You also can\u2019t use the service if you live in the District of Columbia.Since this information isn\u2019t prominently displayed on their website, you might go through part of the application form before being told you\u2019re not eligible based on geography.Although the geographical restrictions limit Money Pup Loans\u2019 accessibility, the rest of the requirements are easy to adhere to. They include:Earning a minimum of $800 a month through a job or benefits.Being at least 18 years of age.Having a checking account in your name.Being a permanent U.S. resident.But beware, they do note on their website that certain lenders might have additional requirements for eligibility. So, just because you meet the requirements of Money Pup Loans doesn\u2019t mean you\u2019ll be qualified in the eyes of all their lenders.How to Apply at Money Pup LoansThe application process is simple to do, even for those who hate technology.Step 1: Fill Out the FormGo to Money Pup Loans\u2019 website and choose how much money you need from the blue boxes they show on the screen. From there, they\u2019ll give you a short series of questions to answer, such as your name, last four numbers of your Social Security number, birth year, and Zip code.Step 2: Check Any OffersIf you are approved, you\u2019ll need to read through any offers you get to ensure you understand the APRs, loan length, and any hidden fees. Reject the offer if you\u2019re not comfortable with it, or proceed if you think you can stomach the terms.Step 3: Check Your Bank Account the Next DayIt\u2019s likely your money will reach your account by the next business day.Money Pup Loans Consumer ReviewsReviews from other customers can be an insightful tool to use, as long as you remember that a lot of customers don\u2019t leave reviews. Those that do sometimes have an ax to grind.Sometimes their feedback is legitimate, but other times they might be angry at the company for refusing them a loan.So, read the reviews but do so using your own judgment.Better Business ReviewsThere are no Better Business Bureau reviews yet for Money Pup Loans. That\u2019s not necessarily a bad thing — it only means there haven\u2019t been any inquiries or complaints yet.User ReviewsOther popular consumer review sites, such as Trustpilot, also don\u2019t have any reviews listed for Money Pup Loans.Money Pup Loans Pros and ConsIf you don\u2019t know whether you should take the leap and join the ranks of Money Pup Loans\u2019 customers, a pros and cons list might help you sort it out.Money Pup Loans ProsFree: The service won\u2019t cost you anything.Easy to use: Even if you avoid computers and prefer to do business face-to-face, it\u2019s simple to use.Poor credit accepted: Even if you have a low credit score, there is a chance you\u2019ll be offered a loan through one of the lenders that work with Money Pup Loans.Easy qualifications: Most people can meet these application qualifications. The income requirement, at $800, is lower than some other lending platforms.Money Pup Loans ConsNot open to every state: There are multiple states in which you\u2019re not eligible to use Money Pup Loans.Super high APRs: These APRs are just about the worst-case scenario that you would expect to find.May be additional requirements: Certain lenders may have more requirements for application approval than the ones listed here.Money Pup Loans Frequently Asked QuestionsThese questions may contain the answers you\u2019re looking for about going through Money Pup Loans..accordion-list .accordion-title:hover{color: #4db848;}Why can\u2019t Money Pup Loans state what the APR for a loan will be?Since Money Pup Loans is a lending platform instead of a lender, it won\u2019t issue a loan to you. Instead, it will send out your information to the multiple lenders it works with. These lenders will carry different loan terms and rates.\u00a0What rate you qualify for will depend upon things like the state you live in, your income, and your credit score. Since Money Pup Loans doesn\u2019t know which of its lenders will offer you a loan, they have no way of knowing exactly what APR you\u2019ll be offered. So, on its website, it lists the full range offered by all its affiliate lenders.\u00a0Why can\u2019t Money Pup Loans work in all states?There are some states where you\u2019re not eligible to use Money Pup Loans, and it can be frustrating for you. It\u2019s likely that you live in one of the states that has stricter rules about what kinds of loans can be offered to people.Some states don\u2019t allow payday loans that they consider predatory because of the high APRs you\u2019ll have to pay. Those laws are there to protect you from interest rates that take advantage of your financial situation. Although it can be frustrating not to be eligible for these loans, lawmakers are trying to do the right thing by placing tighter regulations around loans like these.\u00a0What happens if I don\u2019t like the terms of a loan agreement that is sent to me?First off, it\u2019s a great thing that you\u2019re being responsible and carefully reviewing the terms of the proposed loan. That will help you avoid hidden fees or high interest rates that might cost you a small fortune.\u00a0If you\u2019ve reviewed the contract before you\u2019ve accepted it, there\u2019s still time to act. You don\u2019t have to agree to the loan terms. If you\u2019re uncomfortable at all with any of the terms, you can contact the potential lender and ask if there is a way the terms can be changed. If they say no, let them know you want to turn down the loan offer.\u00a0I have a terrible credit history. Do I seriously have a chance of being accepted, or is applying going to be a waste of my time?There\u2019s no crystal ball that will predict whether you\u2019ll be offered a loan or denied. But this company does have a history of working with people who have poor credit. And with the astronomical rates they change, there probably aren\u2019t many people with good credit who would take a loan through one of the companies Money Pup Loans works with. They would be foolish to do so when they can get better rates somewhere else.So, if you have a really low credit score, you\u2019re the demographic this company is probably trying to reach. You may very well be accepted, even if you don\u2019t think you will be. But you may not get as big of a loan as you\u2019re trying for. They may counter with a lower loan amount.\u00a0Can I do the entire process online, or will I have to meet with a lender face to face?With Money Pup Loans, you can do the entire process quickly from your own home, with never having to speak with a \u201clive\u201d person. The application is sent online, not through the phone. You\u2019ll receive your proposed contract through email, and if you decide to go ahead with it, you\u2019ll agree to it electronically as well.\u00a0This type of loan -- where you don\u2019t actually have to visit a bank -- is becoming quite popular. It helps those who are too busy to adhere to the hours set by traditional banks or are too intimidated to fill out extensive paperwork in-person.\u00a0Alternatives to Money Pup Loans.btn.btn-blue.dift:hover, .btn.btn-default.dift:hover {color: #4db848;border-color: #4db848;background: #fff !important;}\t\t\t Money Pup LoansCash USAOppLoansBadCreditLoans.com \t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tPros and Cons\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tRead Review\t\t\t\t\t\t\t\t\t\tApply Now\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tBestFor\t\t\t\t\t\t\tPeople who badly need a loan no matter what the APR is\t\t\t\t\t\t\t\t\t\t\t\t\tPeople who want assistance lining up lenders who will issue them a loan\t\t\t\t\t\t\t\t\t\t\t\t\tLoans for people with poor credit who need competitive APRs\t\t\t\t\t\t\t\t\t\t\t\t\tQuick loan for those with poor credit\t\t\t\t\t\tLoanAmounts\t\t\t\t\t\t\t$100 to $50,000\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $5,000, but depends upon the state of residence\t\t\t\t\t\t\t\t\t\t\t\t\t$500 to $10,000\t\t\t\t\t\tAPR\t\t\t\t\t\t\t200 - 2,290%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\t\t\t\t\t\t\t\t99 - 199%\t\t\t\t\t\t\t\t\t\t\t\t\t5.99 - 35.99%\t\t\t\t\t\tMinimumCredit\t\t\t\t\t\t\tAny score might be accepted\t\t\t\t\t\t\t\t\t\t\t\t\tAny credit score may be accepted\t\t\t\t\t\t\t\t\t\t\t\t\tAny credit score is considered\t\t\t\t\t\t\t\t\t\t\t\t\tAny credit score is considered\t\t\t\t\t\tTerms\t\t\t\t\t\t\tDepends on lender\t\t\t\t\t\t\t\t\t\t\t\t\t90 days - 72 months\t\t\t\t\t\t\t\t\t\t\t\t\tUp to 36 months\t\t\t\t\t\t\t\t\t\t\t\t\t3 - 36 months\t\t\t\t\t\tOrigination Fee\t\t\t\t\t\t\t Decided by lender\t\t\t\t\t\t\t\t\t\t\t\t\tDecided by lender\t\t\t\t\t\t\t\t\t\t\t\t\t Depends upon your state \t\t\t\t\t\t\t\t\t\t\t\t\t Decided by lender\t\t\t\t\t\tFundingSpeed\t\t\t\t\t\t\t Can be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tMay be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be the next business day\t\t\t\t\t\t\t\t\t\t\t\t\tCan be the next business day\t\t\t\t\t\tCreditCheck\t\t\t\t\t\t\tSoft pull through them, but may be hard through lenders\t\t\t\t\t\t\t\t\t\t\t\t\tSoft by them, may be hard through lender\t\t\t\t\t\t\t\t\t\t\t\t\tSoft\t\t\t\t\t\t\t\t\t\t\t\t\tSoft through them, but may be hard pull through lender\t\t\t\t\t\t\t\t\t \t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Fast Money","item":"https:\/\/moneydoneright.com\/fast-money\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Personal Loans","item":"https:\/\/moneydoneright.com\/fast-money\/\/personal-loans\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"Money Pup Loans Review 2025: Potentially Scary APRs","item":"https:\/\/moneydoneright.com\/fast-money\/personal-loans\/money-pup-loans-review\/#breadcrumbitem"}]}]