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We’re Here To Help You Get Money When You Need It:

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 and offer a variety of fast online loans and make sure you get your funds quickly. 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*. When applying for online short term loans, MoneyKey may be able to assist with your cash needs.

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. Throughout the loan term, you will be expected to make your installment payments to repay your loan, often on a monthly, semi-monthly, or bi-weekly basis depending on how often you get paid. There is no penalty for pre-payment (paying more or earlier than a scheduled installment) for installment loans. Repayment terms will vary by state and depend on the duration of the loan. 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 online short-term loans are currently available in Delaware, Idaho, Mississippi, Missouri, New Mexico, Texas, Utah and Wisconsin.

Lines of Credit

If you are looking for fast loans online, then a line of credit might be for you. This is an open-ended borrowing option, different from traditional online short-term loans like 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, you can draw an amount up to your Credit Limit. As you pay down your Line of Credit, you can withdraw again up to your available credit. Unlike a traditional payday or installment loan, a line of credit remains active even after you have paid it off. This means that if you want to borrow more money after you have paid off your balance, you don’t have to submit a new application. Instead, you can continue to withdraw money up to your available credit. Interest and/or fees are only charged on the amount of money you use, not your entire credit limit.

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 and Tennessee.

Payday Loans

Payday loans are small-dollar, personal short-term online loans that are typically repaid in full within 8 to 31 days, or by your next pay date. These loans are meant for short-term use only and are not a long-term financial solution. These loans may be used for unexpected expenses between paychecks, like emergency car repairs or other non-recurring bills.

Payday loans are no longer offered through MoneyKey to new customers. As a responsible lender and credit services provider, payday loan alternatives, like installment loans and lines of credit, are offered through MoneyKey. Unlike payday loans, these types of loans are generally repaid over a period of time with multiple payments. We urge our customers to ensure they borrow from a responsible lender or credit services provider.

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Not all applications are approved; duration of approval process may vary. Loan amounts are subject to further verification criteria. If you are a returning customer, loan amounts may vary.

* If approved, any requested funds will typically be deposited into your bank account within one (1) to two (2) business days. The date and time funds are made available to you by your bank are subject to your bank's policies.

MoneyKey reserves the right to assess your creditworthiness periodically.

Product availability varies by state. To see loan products offered in your state of residence, please visit our Rates and Terms page. 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 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.