Installment Loans and Lines of Credit are available through MoneyKey. We are a direct online lender in Delaware, Idaho, Kansas, Mississippi, Missouri, Tennessee, Utah and Wisconsin. In Texas, we arrange loans as a Credit Access Business and a Credit Services Organization.
MoneyKey also services Lines of Credit offered by CC Flow. CC Flow is 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 the 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 loan account through MoneyKey.
MoneyKey will be your single point of contact for all questions and concerns with respect to loan products offered through the MoneyKey website.
Check out the Products and Services page to learn more about the loan product available in your state of residence.
We’re committed to a simplified application process. You can easily submit an application online in minutes◆. For additional information, call 1-866-255-1668 and a Customer Care agent would be happy to help.
Loan amounts/credit limits will vary by state. Please review our Products and Services page to learn more about the loan product available in your state of residence.
Fees/charges/interest will vary by product and by state. We strive to provide transparency about the cost of credit. With an online loan through MoneyKey, you will not be surprised with any hidden fees. Please refer to our Products and Services page for further details on the cost of the product available in your state of residence.
MoneyKey currently does not offer Payday Loans. Please refer to our Products and Services to see if other online loans such as Installment Loans or Lines of Credit are available in the state that you currently live in.
A line of credit is a form of open-end credit. This means that you can usually withdraw money from a line of credit at any time, up to your available credit limit. For Lines of Credit offered through MoneyKey, you will only be charged on the amount of credit you use. If you have an outstanding balance, you’ll be required to make Minimum Payments to keep your Line of Credit account in good standing.
A payday loan is a traditional short-term loan that you pay back in full on your next pay date. An installment loan is also a short-term loan, with repayment in installments over time.
You can cancel/rescind your Loan/Line of Credit without penalty within 3 business days from the Effective Date of your Loan/Agreement. To cancel/rescind, call our Customer Care team at 1-866-255-1668 or email email@example.com.
Note: if you cancel/rescind your Loan/Line of Credit, you will be responsible for returning any principal amount received back to us.
If you have a MoneyKey Line of Credit, you can cancel your draw within 1 business day from the Effective Date of your Draw.
If you have a CC Flow Line of Credit, you cannot cancel draws.
MoneyKey will never ask you for application or approval fees. Completing an application is always free.
Absolutely not. MoneyKey will never ask for gift cards as a condition of approval or as a method of payment.
UserWay is a leading web accessibility technology that provides an accessible interface to assist you in adjusting and customizing the website’s design for your individual needs. UserWay does not collect any personally identifiable information or behavioral data from MoneyKey.
To qualify for a Loan or Line of Credit you must:
Please note that currently no credit products offered through MoneyKey have rates that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.
We will notify you via email if you are approved♦︎. You can also log into your account to view the status of your Loan/Line of Credit.
Yes, you need an active bank account to qualify for credit through MoneyKey.
Verifying your bank account helps to verify your identity and income and, if approved, ensures that funds are sent to the correct bank account.
There are a few ways to verify your banking information.
DecisionLogic is a free and secure service that provides a read-only snapshot of the recent transactions on your bank account to help process your request for credit quickly. Please note that you must currently use online banking to take advantage of this service and the service is not compatible with all banks.
Using DecisionLogic is:
If your application requires additional information, which we are unable to verify online or over the phone, you may be asked to provide some documentation for verification purposes.
Additional documents that could be requested include, but are not limited to:
Please note: documentation such as pay stubs or bank statements must be less than 30 days old, and renewable documentation such as a driver's license or other issued identification cannot be expired.
To securely upload a copy of your document(s), Log Into your account. Navigate to your Profile, scroll down and click on Upload Document. Next, select the document type and description, then Choose File which will allow you to upload the required documentation.
You can upload most images and/or PDF files, up to 5MB in size. If you are required to provide multiple documents, you will need to upload each document individually.
Having trouble uploading your documents? You also have the option to email a copy to us at firstname.lastname@example.org.
Yes, of course. As long as we can establish a consistent pay frequency, you may qualify for a loan.
You do not need to be employed to be eligible for an Installment Loan or Line of Credit through MoneyKey. You will need to have a regular source of income to ensure you can repay your loan.
You can only have one loan product at a time through MoneyKey. You will be required to pay off any existing loan you have through MoneyKey to be eligible to apply for another loan product.
Absolutely. You’re welcome to apply for a loan product in the future if your application is not approved.
You need to have a checking or savings account with a bank or credit union in order to accept the funds.
If you’re approved for a loan product through MoneyKey, any requested funds may typically be deposited into your bank account the same business day, subject to the following funding cut-off times:
All funding cut-off times are subject to change. The date and time funds are made available to you by your bank are subject to your bank’s policies. If you require any assistance or for more information, contact Customer Care at 1-866-255-1668.
Log into your MoneyKey account to view your next due date.
You can always make additional payments without penalties or fees, so long as your account is in good standing. Log into your secure account to make a payment online. Contact one of our Customer Care agents at 1-866-255-1668 if you have any questions.
You can pay your loan off in full at any time. Similar to making an early payment, you won’t be charged penalties or fees for paying off your full balance early. Log into your secure account to make a payment online. Contact one of our Customer Care agents at 1-866-255-1668 if you have any questions.
Your payments will typically be set up on a bi-weekly, semi-monthly or monthly basis to coincide with when you receive your income. If you are paid weekly, your payments will be set up every other week. For example, if you get paid every Friday, your payments will be due every other Friday.
ACH (Automated Clearing House) payments are payments that are automatically debited from your bank account. You’ll need to provide authorization in order for any institution to take payments from your account via ACH. If authorization is provided, MoneyKey will electronically send a request to your bank to debit your bank account when a payment is due. The bank responds to the request through the ACH network and your bank account will be debited.
At this time, there is no refinancing for loan products offered through MoneyKey.
You may update some of your information directly in your online account. If you need assistance, or are unable to update your details online, call Customer Care at 1-866-255-1668 and an agent will be happy to assist you.
MoneyKey values your privacy and protects your personal information in accordance with lending industry standards. We have adopted secure socket layer (SSL) encryption and obtained Verified Site Certificates to protect your information when it is transmitted between your computer and our servers.
To make sure you receive emails from MoneyKey please add email@example.com to your address book.
We send important emails, including payment reminders and account updates. If our emails are not making it into your inbox, please check your spam folder.
Log into your account to view your account status.