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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 and offer a variety of fast cash loans online. 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. Each installment includes a payment towards your principal loan amount as well as related charges and/or fees. 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 Alabama, California, Delaware, Idaho, Illinois, Mississippi, Missouri, New Mexico, Texas, Utah and Wisconsin.

Lines of Credit

If you are looking for fast cash 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 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. 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, South Carolina and Tennessee.

Payday Loans

Payday loans are quick, small-dollar personal short-term online 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. Payday loan funding is typically made available the next business day*. There is no penalty for pre-payment with payday loans as well.

MoneyKey online loans are an expensive form of credit. It’s important to remember that payday loans are meant for short-term use only and are not a long-term financial solution. Payday loans are typically paid back within 8 to 31 days, or whenever you receive your next paycheck, and are not considered to be online loans with monthly payments. We urge our customers to follow these tips on responsible lending.

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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 – 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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