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 an online line of credit quickly without undergoing a lengthy application and review process. And unlike a bank or storefront lender, you can apply for a MoneyKey Line of Credit online 24 hours a day.

Get Approved In Minutes ◆

If approved, you may receive your money as early as the next business day.*

Only Pay Interest On Credit You Use

Interest will only be charged on the amount used from your credit limit.

Cancel Anytime

You can close your online Line of Credit with a phone call once your balance is paid off.

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. 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 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.*


Speak to an Agent

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:

Superior service
"The attention to detail is outstanding. Very friendly and helpful."
- Darlene

Easy to work with
"I've used MoneyKey several times over the past 4 years. I found it easy to work with them."
- Greg

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

Online Line of Credit - Frequently Asked Questions

General Inquiries

What is an online line of credit?

An online line of credit 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 can have a credit limit of up to $1000. If you pay off the amount you borrowed in full, the interest and fee charges will stop, and your maximum 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 to keep it 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?

A MoneyKey Line of Credit is ideal for unexpected expenses that may occur in your day-to- day life. These expenses could include home and car repairs, medical emergencies, or costs of travelling to work. When you need funds, you can withdraw any amount up to your credit limit; 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 an online line of credit over an online installment loan. One of the advantages of an online line of credit over an online installment loan is that 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 can’t borrow more money immediately once the loan is paid off – you’ll 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 is likely smaller than those required for an installment loan. Typically, each payment for an installment loan is higher than the required payment for a line of credit because with an installment loan, the customer 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 will likely 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, Missouri and Tennessee. We also offer alternative loan products like Installment Loans and Payday loans in Alabama, California, Delaware, Idaho, Illinois, Mississippi, New Mexico, Ohio, Texas, and Utah.

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.

How do I apply for an online Line of Credit?

Applying for a MoneyKey Line of Credit is easy. Just click on Apply Now and complete your online application. You will get a fast response from our Customer Care team and once you’re approved, you can receive funds the next business day.

How do I apply for installment loans from direct lenders or licensed lender?

Applying for an installment loan from a direct lender like MoneyKey is quick and easy. Click on Apply Now to start your application and fill in the required form. If your application is accepted, you will be asked to review and sign the loan agreement. A MoneyKey agent will contact you to verify your information and confirm the loan with you. Once your loan is approved, you will get the money in your bank account as soon as the next business day.

Payment Inquiries

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.

Have more questions?

Visit our FAQ for more information or contact our friendly Customer Care team.

We've helped over 200,000 customers.

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