How it Works

We aim to remove the complexity of borrowing money

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Applying for a MoneyKey Installment Loan, Payday Loan or Line of Credit is simple

MoneyKey offers, arranges and services payday loans, installment loans and lines of credit to meet your short-term financial needs.


Submit an Online Application

Applying for a loan or line of credit with MoneyKey is easy. Just complete our simple online application to find out if you qualify, or if you prefer, call us at 1-866-255-1668 to apply over the phone.

If your application qualifies you for a loan or line of credit, you'll be asked to review and sign a loan agreement which details the terms of the product for which you have applied, as well as all fees and interest chargeable to you under the agreement. During this process, you're encouraged to connect with our highly trained Customer Care team via phone (1-866-255-1668), email ( or online chat at with any questions.


Verify Your Details

Once you've signed your agreement and sent it back to us, we will need to speak with you to verify your application details. We may also require additional third party verification: (i) from your bank; (ii) of your employment; and (iii) of your income details, before your loan or line of credit can be approved.


Receive Your Funds

Once you've gone through the verification process, and you've been approved for your loan or line of credit, the funds may be deposited into your bank account as early as the next business day*.

* The date and time that funds are deposited in your bank account are subject to the time of your financial institution.


Repay Your Loan

Each product will have a different repayment process. Please visit our Rates & Terms page to see which loan or line of credit product you may qualify for based on your state of residence. As a MoneyKey customer, you'll receive payment reminder emails prior to each payment due date and view your account status via your online customer login.

Want to know more about our loan products and services?

Go to Rates & Terms Go to FAQ

Qualification Criteria

In order to qualify for a MoneyKey product or service, you must:

  • Be 18 years of age or older
  • Be a US citizen or Permanent Resident
  • Reside in the state in which 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

Simply complete our Online Loan Application to find out if you qualify.

Get Started Today

Find out if you qualify for a loan or line of credit today

Apply Now
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