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Why choose MoneyKey?

We’re an online lender providing short-term online loans to underserved consumers through a safe and secure online platform. We have been around since 2011 and each year we continue to reach thousands of new customers as we expand throughout the United States. We provide:

  • A simple online loan application process
  • Quick loan approval
  • Your funds the next business day*
  • Fast, friendly, daily customer service
  • Transparency with no hidden fees

We strive to provide five-star service to our customers. Customers who have had difficulty borrowing money from traditional banks have written favorable reviews about us because of our easy application process and fast loan approvals. If your application is approved, you will typically receive your money as early as the next business day*.

Installment Loans

Installment loans are short-term online loans that are paid back over time. If approved, you’ll get the full loan amount deposited into your bank account the next business day*. Your payback period, or loan term, will range between 5 and 18 months, depending on the state you live in. A MoneyKey Installment Loan can be used for a variety of reasons including home and car repairs, medical expenses or any unexpected non-recurring bill. These loans are currently available in Alabama, California, Delaware, Idaho, Illinois, Mississippi, Missouri, New Mexico, Ohio, Texas, Utah and Wisconsin.

Lines of Credit

This is an open-ended borrowing option, different from traditional payday and installment loans since it gives you greater control over your cash flow.

You only need to apply for a line of credit once. If your application is approved and you withdraw all available funds, once you pay it off to a zero balance, you don’t have to submit a new application to borrow again. Instead, you can continue to withdraw money up to your available credit limit. Interest and/or fees are charged only on the amount of money you use.

A line of credit is ideal for unexpected expenses that may occur in your day-to-day life. The specific terms of the Line of Credit, including fees and interest, will vary across the states where it is offered by MoneyKey. Moneykey Line of Credit is currently available to new customers in Kansas, South Carolina and Tennessee.

Payday Loans

Payday loans are quick, small-dollar personal loans that are typically repaid in full on your next payday. These loans may be used for unexpected expenses between paychecks, like emergency car repairs or other non-recurring bills.

MoneyKey offers Payday Loans to California residents only. The principal loan amount is set at $255 and the payment period is between 8 and 31 days, depending on your pay cycle. Repayment will include the principal loan amount and a finance charge.

It’s important to remember that Moneykey online loans are an expensive form of credit and are meant for short-term use only and not as a long-term financial solution. We urge our customers to follow these tips on responsible lending.

We’ve helped over 250,000 customers.Let us help you!

Not all applications are approved; duration of approval process may vary.

* If your loan is approved before 9:00 PM ET from Monday through Thursday, or before 6:30 PM ET Sunday, the funds will typically be deposited into your bank account the next business day, otherwise, your funds will be deposited into your bank account in two (2) business days. The date and time funds are made available to you are subject to your bank's policies.

Disclaimers: Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page. MoneyKey – OH, Inc. is licensed as a Credit Services Organization (CSO) by the Ohio Department of Financial Institutions, Department of Commerce: CS.900134.000.  MoneyKey – TX, Inc. is licensed as a Credit Access Business (CAB), License No. 16641-62815, by the Office of the Consumer Credit Commissioner and registered as a Credit Services Organization (CSO), Registration No. 20110150, by the State of Texas. All loans for which MoneyKey acts as a CSO and/or CAB are funded by an unaffiliated third-party lender and serviced by MoneyKey.

In the State of California, MoneyKey – CA, Inc. is licensed by the Department of Business Oversight pursuant to California Finance Lenders Law License No. 60DBO43590 and California Deferred Deposit Transaction Law License No.1004516.

Reviews and any ratings referenced are based on TrustPilot reviews. Images are for illustrative purposes only. Reviews reflect individuals’ opinions and may not be illustrative of all individual experiences with MoneyKey.

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