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Financial Articles

Find articles on personal finance and tips to budget effectively.

 

Online Payday Loans

Online payday advances are short-term, small-dollar personal loans that are paid back on your next pay date.

Can You Boost Your Chances of Getting Approved for a Personal Loan?

How to boost your chances of getting approved for a loan.

10 Essential Loan Questions to Ask Before You Borrow

Ask yourself the right questions before you apply for a loan!

Credit History 101

Important information on your credit history.

What You Need to Apply for a Payday Loan

What do you need to get a payday loan? What are the requirements?

Do Cash Advances Hurt Your Credit Score?

Learn more about how cash advances affect your credit report.

Does Early Loan Payment Hurt Your Credit Score?

How does paying off a loan early affect your credit score?

Line of Credit vs. Credit Card: Everything You Need to Know

The differences and similarities between lines of credit and credit cards.

How to Get a Personal Loan with Bad Credit

Learn how you may be able to get a personal loan with bad credit.

Line of Credit vs. Loans: 3 Differences You Need to Know

3 important differences between a loan and line of credit.

How You May Be Able to Qualify for a Personal Line of Credit

What you need to know about qualifying for a personal line of credit.

What is an Installment Loan and How Does it Work?

We look at the important details of an installment loan.

8 Dos and Don’ts of Managing Your Loan

Some Dos and Don'ts on how to manage your loan.

What is a Debt Consolidation Loan?

We break down some of the details of a debt consolidation loan.

Smart and Simple Ways to Handle a Financial Windfall

We discuss what to do with a lump sum of money.

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

*If approved, any requested funds may typically be deposited into your bank account the same business day; timing of funding may vary by product and state. The date and time funds are made available to you by your bank are subject to your bank's policies. For specific funding cut-off times, click here.

**You may request a draw from your Line of Credit at any time, so long as you have available credit and your account is in good standing. In the State of South Carolina, you can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it, with a required minimum draw of $610.

As you move through your credit journey, your account may become eligible for reduced charges and/or increased credit limits/loan amounts based on good payment history over time. You will receive notices, as applicable, regarding your individual circumstances and eligibility.

Depending on your state of residence, applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. The CC Flow Line of Credit is provided by CC Flow. Additionally, CC Flow maintains critical control over loan origination, underwriting approvals, and regulatory and compliance oversight management. MoneyKey is an authorized servicer of CC Flow. This means the CC Flow Line of Credit is available through MoneyKey and you will maintain your CC Flow Line of Credit account through MoneyKey.

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/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 Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law License No.1004516.

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