Money Today Review

Kurtis By: Kurtis | Last updated May 22, 2017

suitcase full of dollar bills, payday loans, money today

8.2 / 10

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PROS:

  • No minimum credit score
  • Your loan will be funded within days

CONS:

  • Grueling application process
  • Lack of transparency
  • They don’t look up your credit score, you have to provide it to them
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SUMMARY:

MoneyToday gets the same ruling as ELoanPersonal and 100 Day Loans got before it. The results that you will get from this service will vary based on your financial circumstances. If you’re patient enough to make it to the end of the application process, you might be rewarded with the loan you wanted all along. There’s also the chance that you will leave empty handed or with a loan that’s nothing like what you wanted. You have to determine whether that’s what you want out of this arrangement. With other services, it’s doubtful that you will have any sort of guarantee; however, it’s good to know to that you at least have something to look forward to when everything is said and done.

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MoneyToday is another entry in Blue Global’s rolodex of hits. This website looks no different than ELoanPersonal with the only difference being the MoneyToday logo in the upper left hand corner. All the text is the same, including the slug line “Your Trusted Source for Personal Loans.” It’s difficult to put trust in an entity that’s a duplicate entry in a company’s effort to get customers by any means necessary. The thought that a large segment of the population that pursues payday loans will fall for Blue Global’s ruse is troubling to say the least.

Wading Through the Application Process

Applying for a loan through MoneyToday or any of its subsidiaries requires a tremendous amount of patience. You have to be willing to go through step-by-step and then wait for the overall application to process. The wait might seem insignificant for some, but it’s likely too challenging for people to get around. People want a single form where they can enter in all their information. They want their information to then be applied to any lender to which their chosen lender is affiliated. Work is not a word that’s in the vocabulary of the average user. Their goal is to have the road laid out in front of them so all they have to do is drive ahead.

Staying Patient

MoneyToday doesn’t want to make things so easy and straight forward. They would rather have their customers assume things than tell them everything right away. This is not how any financial institution should conduct themselves, let alone one that’s part of an industry that’s so shrouded in mystery and subject to scrutiny. Transparency is not something that should be requested. It needs to be industry standard. Companies that deal with the personal information of others should be as open with those customers as possible.

Wanting to Keep Private Information Private

When a company collects personal information, they should only use it for the purposes of providing customers with their advertised services. Anything else outside of this use should be explained right away. Customers should have the option to opt out of any information sharing before they fill out all the forms and are subjected to a deluge of unneeded advertising offers. MoneyToday has the same opt out section that’s present on all other Blue Global property websites. It’s the most limited privacy opt out you will ever find. There should not be any stipulations placed on a person’s ability to say how their personal information should be used.

It’s not known whether MoneyToday gets the information that’s entered while the application is being filled out or when everything is finally submitted. The accuracy of their results is questionable when you're faced with the page that has you enter your credit score. They don’t look up your credit score. They expect that you will accurately report it yourself.

Remembering the Value of a First Impression

Companies that go the extra mile to present themselves in the most professional fashion are more worthy of attention than those who put forth a lazy facade. Since the website for MoneyToday looks identical to ELoanPersonal’s and similar to 100 Day Loans’ page, saying that Blue Global was lazy when they put this website together is putting it mildly. A lot of other companies have maintained the same business as Blue Global with much more impressive results. The big difference is they make it a point to have different parent company names.

Making it to the Finish Line

It’s hard to tell what form loan offers take if you’re even able to make it to the end of the application process. If the application itself is any indication, odds are the offers themselves are as tedious and difficult to interpret. The fact that MoneyToday is one of many shell companies is disconcerting. How do you know you’re going to get help when the people who work for this company also work for many others just like it? You can’t help but wonder if the person you’re talking to talked with someone who has a loan through one of the other companies right before they took your call.

Choosing the Best Option

Every payday lending should have several different options that they present to their customers. They should never expect that they’re going to wait to the end to receive them. The disclaimer on MoneyToday’s homepage warns that a vast majority of visitors to their website receive a small short term loan, if they receive anything at all. This warning almost makes it seem like you should stop before you begin. You should be able to plug in a few details and have all the offers laid out in front of you. It has to be that easy. Anything more challenging than that isn’t worth it.

Picking a Lender You Can Trust

Saying that you’re a lender that can be trusted is one thing. Actually being a trustworthy lender is something else entirely. Based on appearances alone, it seems like MoneyToday is more suspicious than untrustworthy. In these instances, you have to ask the lender whatever questions you might have rattling around in your head. You won’t have any time to take this step when you have signed the paperwork and your payment deadline is around the corner. Information about the effectiveness of Blue Global and its subsidiaries is hard to come by.

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Our editorial staff evaluates products and services independently, but Best Review Guide may earn money when you click on links. Read our advertising disclosure.

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