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Frequently Asked Questions

We’re here to help. Here are some answers to your most frequently asked questions – including general questions, questions regarding qualifying for a Loan or Line of Credit through MoneyKey, payment questions and account-related questions. If you can’t find what you are looking for, please call us at 1-866-255-1668 or email us at customercare@moneykey.com and our friendly Customer Care agents will be happy to help.

General Questions

Installment Loans and Lines of Credit are available through MoneyKey. We are a direct online lender in Delaware, Idaho, Kansas, Mississippi, Missouri, New Mexico, 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, a Utah Chartered bank, located in Provo, Utah, Member FDIC.

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 Rates and Terms 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 Rates and Terms 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 Rates and Terms page for further details on the cost of the product available in your state of residence.

MoneyKey currently only offers Payday Loans to returning customers in California. If you don’t live in California, please refer to our Rates and Terms page to see if you qualify for an Installment Loan or a Line of Credit in your state of residence.

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 your Loan/Line of Credit without penalty within 3 business days from the Effective Date of your Loan/Agreement. To cancel, call our Customer Care team at 1-866-255-1668 or email customercare@moneykey.com. Note: if you cancel 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.

Qualification Questions

To qualify for a Loan or Line of Credit you must:

  • Be of legal age to contract in your state of residence
  • Be a US citizen or permanent resident
  • Be a resident in the state where the product is offered
  • Have an active bank account
  • Have a regular source of income
  • Have a valid contact number and an active email address

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.

In most cases, you won’t need to fax or email us any documents. However, if we require additional information which we are unable to verify via online bank verification or over the phone, we may ask you to send us documentation by email or fax.

Yes, you may be able to verify your banking information electronically during the approval process using MoneyKey’s service provider, DecisionLogic. This service is free and secure and provides a read-only snapshot of your recent transactions on your bank account to help us process your request for credit quickly. Please note that you must currently use online banking to take advantage of this service; the service is not compatible with all banks.

Some of the benefits include:

  • Faster Turnaround: Instant account verification may help us process your request faster.
  • More Convenient: Electronic verification may be done in minutes without lengthy phone calls with your bank.
  • Secure Authentication: Securely verify your banking information online. Your login details are kept strictly between you and your bank on a secure exchange and will not be shared with MoneyKey, CC Flow (if requesting a CC Flow Line of Credit) or DecisionLogic.

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:

  • If you have been approved for a Line of Credit on or after September 12, 2018, draws requested before 1:00 pm ET Monday to Friday will typically be deposited into your bank account the same business day, otherwise funds will be deposited the next business day.
  • If you have been approved for a Line of Credit before September 12, 2018, draws requested before 7:00 pm ET Monday to Friday will typically be deposited into your bank account the next business day, otherwise funds will be deposited in two (2) business days.
  • If you have been approved for an Installment or Payday Loan before 1:00 pm ET Monday to Friday, funds will typically be deposited into your bank account the same business day, otherwise funds will be deposited the next business day.

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.

Payment Questions

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.

Account Questions

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 customercare@moneykey.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.

Log into your account to change your password or reset your password here.

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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.

Applications submitted on this website may be originated by one of several lenders, including: CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. CC Flow will be responsible for underwriting, approving and funding the CC Flow Line of Credit. The CC Flow Line of Credit is available 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.

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.