Line of Credit Loans Online

Line of Credit Loans Online

Tired of applying for online loans every time you need a little extra money? What if you could have extra cash on standby whenever you’re short on funds or in a financial emergency? A Line of Credit gives you the ability to do just that without having to fill out a new loan application each time you want to make a draw. With our line of credit loans, you only need to apply for a line of credit one time and after you obtain approval, you can withdraw funds up to your available credit. You’ll have the option to just make the minimum monthly payments or pay a higher amount to increase your available funds.

MoneyKey makes it easy for you to get one of our line of credit loans online quickly without undergoing a lengthy application and review process each time you need funds. And unlike many banks or storefront lender, you can apply for a MoneyKey Line of Credit online 24 hours a day.

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How to Apply for Line of Credit Online

A line of credit provides flexibility and quick access to funds in an emergency.

  1. Apply Online – You can easily apply for a line of credit online 24 hours a day. You can also call us during business hours to apply over the phone.
  2. Choose the amount – You can get a credit limit of up to $1,000. However, this will depend on various factors such as your income and maximum limits allowed in your state.
  3. Make a Draw – Once approved, you can draw the entire credit limit available to you all at once, or in smaller amounts as you require them. Typically, the requested funds are deposited in your account the next business day*.
  4. Interest Charged –Interest is charged at a daily rate on the amount you borrow, and not on your total credit limit.
  5. Making a Payment – You will get a Periodic Statement before your due date. You are required to pay a minimum amount. Make payments above your minimum payment to reduce interest charges included in future minimum payments.

Money on standby when you need it

Easy, Quick & Secure Online Line of Credit

Ready to apply?

There’s freedom in being able to withdraw money from an ATM any time you need it. A MoneyKey Line of Credit will give you the peace of mind that comes with knowing you have access to funds at any time. You can apply for a Line of Credit online or over the phone. MoneyKey has you covered whether you need personal lines of credit or payday loans. Once your application is approved , you can receive your money as early as the next business day.*


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

Apply Online

Apply for a Line of Credit online and receive your money the next business day.*


Apply by phone

Do you prefer applying over the phone? Call us at 1-866-255-1668 and one of our agents will be happy to help you.

Find out what our Customers have to say about MoneyKey:

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Superior service
“The attention to detail is outstanding. Very friendly and helpful.”

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Easy to work with
“I’ve used MoneyKey several times over the past 4 years. I found it easy to work with them.”

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“MoneyKey is wonderful to work with! If I had a question it was always answered correctly and promptly.”

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Online Line of Credit – Frequently Asked Questions

General Inquiries

  • What is an online line of credit?

    A line of credit online is an open-ended loan – this means you can withdraw money up to your approved credit limit at any time.

    MoneyKey’s Online Line of Credit loans can have a credit limit of up to $1,000. If you pay off the amount you borrowed in full, the interest and fees will stop accruing, and your entire credit limit will become available again for future use.

  • What is a credit limit?

    A credit limit is the maximum amount of money you’ve been approved for by the financial institution. If a lender gives you a $500 line of credit, $500 is the maximum amount or limit you can withdraw from your account. You can request cash advances at any time as long as the amount does not exceed your available limit.

  • What is a minimum payment?

    A minimum payment is the amount of money you are required to pay on your Line of Credit loans to keep your account in good standing. A minimum payment is calculated for each billing cycle and needs to be paid by the due date set out in your periodic statement. Each minimum payment will consist of fees, interest and payment towards your principal (or amount borrowed). MoneyKey encourages you to make payments above your minimum payment to reduce your balance, increase your available credit and decrease your interest charges.

  • When should you use a MoneyKey Line of Credit?

    MoneyKey’s Line of Credit loans online are ideal for unexpected expenses that may occur in your day-to-day life. These expenses could include home and car repairs or medical emergencies. When you need funds, you can withdraw any amount up to your available credit limit when using your line of credit online; however, it’s important to only take out the amount you need, as you will be charged interest and/or fees on any amount you withdraw.

  • Why choose an online line of credit over an online installment loan?

    There are advantages to choosing online line of credit loans over an online installment loan. One of the advantages of an online line of credit over an online installment loan is that typically you apply for a line of credit only once and you can withdraw funds up to your available credit limit when you need it. On the other hand, with an installment loan, you may not be able to borrow more money immediately once the loan is paid off – you’ll likely have to apply for another installment loan each time you need extra funds.

    Another advantage of an online line of credit is that for the same amount borrowed, each required payment may be smaller than those required for an installment loan. Typically, each payment for an installment loan may be higher than the required payment for a line of credit because with an installment loan, the customer typically has a set repayment schedule to pay off the loan within a specified timeframe. As a line of credit does not have a pay-off deadline, typically, each payment required will be smaller than those for an installment loan, but it may take you longer to repay the money you borrowed.

Application Inquiries

  • Do you offer an online line of credit in my state?

    MoneyKey currently offers an online Line of Credit in Kansas and Tennessee. We also offer alternative loan products like Installment Loans in Delaware, Idaho, Mississippi, Missouri, New Mexico, Texas, Utah, and Wisconsin.

  • How much am I allowed to borrow?

    The credit limit for a MoneyKey Line of Credit ranges between $200-$1,000. The amount you may be eligible for depends on several factors, such as your monthly income and the maximum loan amount offered in your state. To view the loan amount available in your state, see our Rates & Terms Page.

  • Why choose MoneyKey over other lenders for an online Line of Credit?

    MoneyKey is a trusted lender committed to exceptional customer service. We make our customers a priority and our highly trained Customer Care team can answer any loan-related questions you may have. Our team can be reached by phone, email or online chat.

    Here are other key points that give MoneyKey the edge when it comes to your online Line of Credit needs:

    • We work fast to get you the money you need.
    • We’re a state-licensed online direct lender for our Line of Credit products and follow all applicable federal and state rules and regulations.
    • We have a Customer Care team, available 7 days a week.
    • We protect your information in accordance with industry standards.
    • We have transparent rates and fees with no hidden charges.
    • We’re committed to responsible lending.
  • What are the required payments on my online line of credit?

    Since a line of credit is an open-ended loan, if you have an outstanding balance, you will be required to make regular minimum payments. These minimum payments include fees, interest and a principal payment that vary depending on the rates and terms of your online line of credit.

  • Can I make additional payments?

    Yes. You can make additional payments or pay back the full amount at any time by contacting MoneyKey by phone or email. Keep in mind that you will need to contact us at least 24 hours in advance of when you would like the payment to be applied.

Account Inquiries

  • How do I check my available credit limit?

    You can log into your account to check your credit limit.

  • How do I check the outstanding balance?

    You can log into your account to review your outstanding balance or contact Customer Care at 1-866-255-1668.

  • How do I view my account statement?

    You can log into your account to view your account statements.

We’ve helped over 400,000+ customers.Let us help you!

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

* If approved, any requested funds will typically be deposited into your bank account within one (1) to two (2) business days. The date and time funds are made available to you by your bank are subject to your bank's policies.

MoneyKey reserves the right to assess your creditworthiness periodically.

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 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.