At Minto Money, our goal is to make the loan process simple for those who need it. We help people get quick loans through our easy and convenient loan process. Once you’re approved, you can have your money as soon as the same day.
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Is Minto Money legit?
Minto Money (mintomoney.com) has a 4.6 out of 5 rating on OK.one, based on 179 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-04.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently mention that the online loan application process is very fast, straightforward, and easy to complete without complications. People strongly appreciate the prompt deposit of funds and consistently note that the customer service representatives are exceptionally helpful, professional, and friendly.
Some reviewers were not happy with the high interest rates and the overwhelming total amount of payments required over time. Consumers also pointed out that the repayment terms can feel confusing and lead to extremely high overall costs compared to the initial amount borrowed. A few individuals mentioned difficulties in understanding how the payment schedules impact the principal balance over the long term.
Auto-generated from all reviews of this business. For reference only.
Erica B took care of my needs, being very understanding and working with me to figure things out. It was a pleasure to talk to her on the phone, if I need anything in the future I will definitely be asking for her
Thank you
katalin christy
Reply from Minto Money2026-04-30
Hi Kathy! Thank you so much for leaving us a fantastic five-star review. We're thrilled to hear that you had an amazing experience with our Customer Care Team. Providing excellent customer service is our top priority here at Minto Money, and we're grateful for the opportunity to serve you. Thank you again for your business!
I have no complaints about the process and I have no complaints about how fast they funded.
The only reason I gave four stars instead of five is because the cost of this money is so exorbitantly high, that unless you are super desperate, you might find another solution. By all means pay attention to what they say and pay this loan off immediately.
But if you need it like I did in short order, they were great.
But like all things, use with caution!
Reply from Minto Money2026-04-23
Thank you for sharing your experience with us,! It’s great to hear the positive feedback. You are correct that this is an expensive form of borrowing. Minto Money loans are designed to meet short-term borrowing needs and are not intended to be a long-term financial solution. There is no fee for paying the loan off early and many of our customers save a significant amount in fees when they pay the loan off early. Please don't hesitate to reach out to us any time at [email protected] or at (844) 446-4686.
Thank you for the review. We are pleased to gain this feedback as we do strive to make the loan process as easy as possible. We appreciate your business.
My conversation with the young lady was very good. She was very patient and professional expressing. And explaining details about
My offering and the company policy. I really appreciate your patient and explain to me things.I do not understand. You need more people like her very good.
Reply from Minto Money2026-04-23
Thank you so much for taking the time to leave us a five-star review! We are thrilled to hear that one of our customer care agents provided you with exceptional service. Receiving these types of reviews brightens our day! We want to make sure you are completely satisfied with your experience, so please don't hesitate to reach out to us if you have any questions or concerns. You can contact us at [email protected] or by calling our dedicated customer service line at (844) 446-4686. Thank you again for choosing Minto Money and for being a valued customer. We look forward to serving you again soon!
I like how simple and easy it is and that the repayment plan is generally easy and cost effective with my current pay rate. However, I just wish that they would have given me the full scope as to how much money I would need to pay back instead of blindsiding me with 5 times the amount of money I had asked for
Reply from Minto Money2026-04-23
Hi Trevin, thank you for reaching out, we are always here to help and want to make sure that we address each one of your concerns:
We are firmly committed to ensuring that our customers have a clear understanding of the fact that this is an expensive form of borrowing. As such, we make it a top priority to provide them with a comprehensive breakdown of our rates and terms, while also providing full disclosure on all fees associated with the loan well before originating the loan. Our goal is to ensure that our customers are fully informed and equipped to make informed decisions regarding their borrowing needs, while also fostering a culture of transparency and trust in all our dealings.
We strongly encourage our customers to take advantage of our no pre-payment penalty policy by paying off their loan early. Doing so will result in substantial savings on interest charges. Additionally, customers have the option to make additional payments towards the principal balance of the loan, which can help reduce the overall cost of borrowing. We believe that these options provide our customers with greater flexibility and control over their finances.
In reviewing your account, we see that you have spoken with a Customer Care agent who was able to satisfactorily address your requirements. We are delighted to have been able to assist you in establishing a payment schedule that meets your needs.
If you have any additional questions, please reach out to us at [email protected] or (844) 446-4686.
Thank you,
Hi Christina, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!
Staff was helpful with the process and polite. Process was quick. Interest rate is high so definitely will be working to pay this off early.
Reply from Minto Money2026-04-20
Thank you for sharing your experience with us, Lisa! It’s great to hear the positive feedback. You are correct that this is an expensive form of borrowing. Minto Money loans are designed to meet short-term borrowing needs and are not intended to be a long-term financial solution. There is no fee for paying the loan off early and many of our customers save a significant amount in fees when they pay the loan off early. Please don't hesitate to reach out to us any time at [email protected] or at (844) 446-4686.
I am a repeat customer and my experience each and every time is wonderful.No loops to go through and you get your funds the same day. I will recommend Minto Money to every body.
Reply from Minto Money2026-04-20
Hello Edna! We are delighted to have you as a VIP customer of Minto Money. We appreciate your loyalty and look forward to maintaining our lending partnership with you. If you ever have any questions or concerns, please do not hesitate to contact us at [email protected] or call us at (844) 446-4686. Thank you for choosing Minto Money as your preferred lender. We value your business and are committed to providing you with exceptional service.
The borrowing experience was very good, fast. Even though I am not tech savvy , the person on the phone was very helpful and patient... Got the money real fast !!!...
Reply from Minto Money2026-04-20
Hi Shirley, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!
Thank you for the review. We are pleased to gain this feedback as we do strive to make the loan process as simple and easy as possible. We appreciate your business.
I am a happy repeated customer. Minto Money worked with me each time I was in a financial bind. They helped me in a big way.
Reply from Minto Money2026-04-14
Hello Anderson! We are delighted to have you as a VIP customer of Minto Money. We appreciate your loyalty and look forward to maintaining our lending partnership with you. If you ever have any questions or concerns, please do not hesitate to contact us at [email protected] or call us at (844) 446-4686. Thank you for choosing Minto Money as your preferred lender. We value your business and are committed to providing you with exceptional service.
this was easy and the customer service took the time to answer my questions all though one thing i am not happy about is the prices you charge on the amount i was qualified for it is out ridicules but over all i was happy with the service
Reply from Minto Money2026-04-14
Hello Lloyd, Thank you for reaching out to us. We are always here to help. You are correct that our loans can be an expensive form of borrowing. Minto Money loans are specifically designed to meet short-term borrowing needs and are not meant to be a long-term financial solution. There is no fee for paying off your loan early, and many of our customers save a significant amount in fees by choosing to do so. We see that you have taken advantage of the option to schedule an early payoff, which allows you to save on fees. We are pleased to offer no pre-payment penalties or fees for early repayment. If you would like us to review the details of your loan, please feel free to call our customer care team at (844) 446-4686, or contact us via online chat or email at [email protected]. We appreciate your reaching out, and thank you for being a Minto Money customer. We are always here to assist you.
Thank you,
Donnie
Predatory and Criminal on the Payback. $20k for $3k is wrong.
I was in a bind and needed funds to catch up on bills. I borrowed $3k and no details are presented on payments. I figure it's high interest and I'm paying back at least $4k. oh no.. in the end if I go full out on payments I am paying back $20k. That is predatory and criminal. Of course they don't share those until after you Docu sign. They have a F rating on BBB. don't do it. I already have an attorney making a letter and I'll pay back what I owe and stop the payments. Settle it in the end. I don't care. I really don't care. They hide a lot in fine print, but it's shown after it's all done.
Reply from Minto Money2026-04-14
Hi Andrew, thank you for reaching out, We are always here to help.
We are firmly committed to ensuring that our customers have a clear understanding of the fact that this is an expensive form of borrowing. As such, we make it a top priority to provide them with a comprehensive breakdown of our rates and terms, while also providing full disclosure on all fees associated with the loan well before originating the loan. Our goal is to ensure that our customers are fully informed and equipped to make informed decisions regarding their borrowing needs, while also fostering a culture of transparency and trust in all our dealings.
We strongly encourage our customers to take advantage of our no pre-payment penalty policy by paying off their loan early. Doing so will result in substantial savings on interest charges. Additionally, customers have the option to make additional payments towards the principal balance of the loan, which can help reduce the overall cost of borrowing. We believe that these options provide our customers with greater flexibility and control over their finances.
Reviewing your account, we see that we attempted to reach you to resolve this matter but were unsuccessful. Please feel free to contact us directly at [email protected] or (844) 446-4686 at your earliest convenience so we may resolve this issue.
Thank you.
Hi Edward, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!
The money was deposited to me within 48 hrs after answering a few questions 👍
Reply from Minto Money2026-04-13
Hi Henry, thank you for your five-star review! We're glad to hear our Customer Care was able to get you the funds you need. We know we will continue to earn your business. Thanks again!
Great and knowledgeable customer services agents. They are willing to help.
Reply from Minto Money2026-04-07
Thank you for the feedback. We love to hear from our customers, especially when it comes to the level of care they received from our account specialists! We appreciate your business.
I am VERY Pleased with Minto Money! Im very happy to have chosen them for my loan. I had a few ins and outs with jobs and they were very understanding. Everyone ive dealt with on the phone when I called were professional. I Highly recommend them.
Thank you Minto Money!
Reply from Minto Money2026-04-07
Hello Harlene, you are very welcome. We look forward to working with you as your lending partner. Knowing you would recommend us to others is what we strive to accomplish and the best compliment we could receive. Thank you!
Erika was exceptional. She took care of all my needs and then some.
Sharon
Reply from Minto Money2026-04-02
Thank you so much for taking the time to leave us a five-star review! We are thrilled to hear that one of our customer care agents provided you with exceptional service. Receiving these types of reviews brightens our day! We want to make sure you are completely satisfied with your experience, so please don't hesitate to reach out to us if you have any questions or concerns. You can contact us at [email protected] or by calling our dedicated customer service line at (844) 446-4686. Thank you again for choosing Minto Money and for being a valued customer. We look forward to serving you again soon!
ABSOLUTELY ABSURD!!! Don't do it! They are less than transparent with the whole process. I needed $200 real quick rather than waiting until I got paid 2 days later. They explained they would automatically take payments from my bank account until it was paid in the amount of approx. $58. Ok, cool, no problem. After the 5th payment was taken, I called and that's when I got the full story. Remember, I only borrowed $200 and made 5 payments of $58...ask me what my balance owed was when I called...$199.17!!!! The APR was well over 600%!!! If I followed their payment schedule I would have paid well over $1k. 5 payments didn't even pay off $1 of the principle loan amount. Rather than borrow from them, I suggest you find a loan shark, they'll give you better rates. I'd give zero stars if I could. I never write reviews, but I had to warn you. Find a different way or wait, it's not worth it.
Reply from Minto Money2026-04-01
HI, thank you for reaching out, We are always here to help.
We are firmly committed to ensuring that our customers have a clear understanding of the fact that this is an expensive form of borrowing. As such, we make it a top priority to provide them with a comprehensive breakdown of our rates and terms, while also providing full disclosure on all fees associated with the loan well before originating the loan. Our goal is to ensure that our customers are fully informed and equipped to make informed decisions regarding their borrowing needs, while also fostering a culture of transparency and trust in all our dealings.
We strongly encourage our customers to take advantage of our no pre-payment penalty policy by paying off their loan early. Doing so will result in substantial savings on interest charges. Additionally, customers have the option to make additional payments towards the principal balance of the loan, which can help reduce the overall cost of borrowing. We believe that these options provide our customers with greater flexibility and control over their finances.
Reviewing your account, we see that we attempted to reach you to resolve this matter but were unsuccessful. Please feel free to contact us directly at [email protected] or (844) 446-4686 at your earliest convenience so we may resolve this issue.
Thank you.
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