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CC Flow Line of Credit

The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank (CCBank), a Utah Chartered bank, located in Provo, Utah, Member FDIC. Additionally, CC Flow maintains 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 maintenance of your CC Flow Line of Credit account is through MoneyKey.

With a CC Flow Line of Credit, you only pay charges on what you borrow, not your credit limit. You can request a draw as needed as long as you have available credit and your account is in good standing**. The process to submit a request is simple and quick, with clear repayment terms and no hidden charges. As you move through your credit journey, you may also be eligible for reduced Billing Cycle Charges and/or increased credit limits up to $3,500 based on a good payment history over time.

The CC Flow Line of Credit is currently offered in Alabama, Alaska, Arizona, Arkansas, Florida, Hawaii, Indiana, Kentucky, Louisiana, Michigan, Minnesota, Montana, Oklahoma, and Wyoming. The CC Flow Line of Credit may be available in additional states in the future. Check back often to see if the CC Flow Line of Credit is available in your state of residence.

How It Works

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1. Submit Your Request

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2. Get Approved

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Request a Draw Online**

Online Line of Credit Details

CC Flow Line of Credit

With a CC Flow Line of Credit, you can expect a fully transparent process.


Payment Breakdown

So long as you have an Outstanding Balance, you will have to make Minimum Payments. Each Minimum Payment consists of:

Refer to your Line of Credit Agreement, or any amendments, for more details.

How is your Minimum Payment calculated?


Mandatory Principal Contribution

Each Minimum Payment includes a contribution towards your principal balance to ensure you are always paying down your Line of Credit. The Mandatory Principal Contribution will vary depending on your income frequency. Refer to your Line of Credit Agreement, or any amendments, for more information.

Billing Cycle Charges

Billing Cycle Charges are calculated based on your Average Daily Principal Balance for each Billing Cycle. The Average Daily Principal Balance is determined by adding the daily principal balance for each day in the billing cycle and dividing that sum by the total number of days in that billing cycle. Please refer to the Billing Cycle Charge tables below.

Cost of Credit Example

To demonstrate what is included in each Minimum Payment, let’s look at the following examples for monthly and non-monthly income frequencies. We assume in these examples that there is a $1,025 draw at the start of the first billing cycle with only Minimum Payments made and no additional draws requested.

Monthly Income Frequency (each Minimum Payment is about 30 days apart):

Billing Cycle ExampleAverage Daily Principal BalanceMandatory Principal Contribution (A)Billing Cycle Charge (B)Minimum Payment Due (A+B)Remaining Principal Balance
1$1,025.00$20.50$180.00$200.50$1,004.50
2$1,004.50$20.09$180.00$200.09$984.41
3$984.41$20.00$165.00$185.00$964.41

 

Non-Monthly Income Frequency (each Minimum Payment is about 14 days apart):

Billing Cycle ExampleAverage Daily Principal BalanceMandatory Principal Contribution (A)Billing Cycle Charge (B)Minimum Payment Due (A+B)Remaining Principal Balance
1$1,025.00$10.25$85.00$95.25$1,014.75
2$1,014.75$10.15$85.00$95.15$1,004.60
3$1,004.60$10.05$85.00$95.05$994.55

Disclaimer: This example is for illustrative and informational purposes only. The actual Minimum Payment(s) due on your CC Flow Line of Credit will depend on your individual account activity.

 

Billing Cycle Charge Table

As you move through your credit journey, you may also be eligible for reduced Billing Cycle Charges and/or increased credit limits based on your payment history over time. If you are an existing customer, refer to your Line of Credit Agreement, or any amendments, for the applicable Billing Cycle Charges.

If the “Average Daily Principal Balance” appearing on your periodic statement is:If you are paid weekly, bi-weekly or semi-monthly, your Billing Cycle Charge will be:If you are paid monthly, your Billing Cycle Charge will be:
$0.01 - $40.00$0.00$0.00
$40.01 - $100.00$3.00$7.00
$100.01 - $200.00$8.00$15.00
$200.01 - $300.00$15.00$35.00
$300.01 - $400.00$25.00$55.00
$400.01 - $500.00$30.00$70.00
$500.01 - $600.00$40.00$90.00
$600.01 - $700.00$50.00$110.00
$700.01 - $800.00$60.00$125.00
$800.01 - $900.00$65.00$145.00
$900.01 - $1,000.00$75.00$165.00
$1,000.01 - $1,100.00$85.00$180.00
$1,100.01 - $1,200.00$95.00$200.00
$1,200.01 - $1,300.00$100.00$220.00
$1,300.01 - $1,400.00$110.00$235.00
$1,400.01 - $1,500.00$120.00$255.00
$1,500.01 - $1,600.00$125.00$275.00
$1,600.01 - $1,700.00$135.00$290.00
$1,700.01 - $1,800.00$145.00$310.00
$1,800.01 - $1,900.00$155.00$330.00
$1,900.01 - $2,000.00$160.00$345.00
$2,000.01 - $2,100.00$170.00$360.00
$2,100.01 - $2,200.00$180.00$385.00
$2,200.01 - $2,300.00$190.00$400.00
$2,300.01 - $2,400.00$195.00$420.00
$2,400.01 - $2,500.00$205.00$440.00

Apply Now

CC Flow Line of Credit: Frequently Asked Questions


How do I qualify?

In order to request a CC Flow Line of Credit, you must:

Please note that currently, no credit products offered through MoneyKey have rates that would meet the requirements applicable to lending to covered members of the US Armed Forces and their dependents.


How do I get started?

Simply click “Apply Now” on the MoneyKey homepage or call the Customer Care team at 1-866-255-1668 and speak to a friendly Customer Care agent.


Do I need a bank account?

You need a personal bank account to be approved for a CC Flow Line of Credit. Business bank accounts are not accepted.


Why do I need to verify my bank account?

Verifying your bank account helps to verify your identity and income and, if approved, ensures that funds from CC Flow are sent to the correct bank account.


How can I verify my banking information?

There are a few ways to verify your banking information.

  1. Online Instant Account Verification: You may be able to verify your banking information electronically using DecisionLogic during the approval process. This process is secure and may be done in minutes without lengthy phone calls with your bank.
  2. Phone: Our friendly Customer Care agents may assist you by verifying your bank information over the phone with your bank. Please note, this process may take additional time due to bank wait times.

What is DecisionLogic?

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:


Who offers the CC Flow Line of Credit?

The CC Flow Line of Credit is provided by CC Flow, a division of Capital Community Bank, a Utah Chartered bank, located in Provo, Utah, Member FDIC. Requests for the CC Flow Line of Credit can be submitted through the MoneyKey website.


How much can I borrow?

If approved, your credit limit will range between $500 and $2,500, depending on certain criteria. Depending on eligibility and payment history over time, your credit limit may increase up to $3,500.


How can I get in touch?

You can always reach MoneyKey by phone or online! Simply call the Customer Care team at 1-866-255-1668 or by email at customercare@moneykey.com. You can also log into your online account to view important account information or request a draw.


What is a personal line of credit?

A personal line of credit is an open-end credit product that allows you to make draws, repay and redraw from your available credit. If approved, you can have access to funds from CC Flow up to a specific credit limit. The benefit of a line of credit is that so long as you make your payments on time, more credit will be available for you to draw.


How is a personal line of credit different from an installment loan?

A personal loan, which includes installment loans, is a lump sum of money that is required to be paid back, usually with interest and/or fees. Installment loans are repaid over a period of time through a number of scheduled payments. A personal Line of Credit through MoneyKey gives a borrower access to funds from CC Flow up to a maximum amount (or credit limit). Charges only accrue on credit withdrawn, not on the total credit limit. With a CC Flow Line of Credit, if there is an Outstanding Balance, a borrower will be required to make Minimum Payments. Depending on the borrower’s repayment activity, the borrower can make draws, repay and redraw as needed, so long as there is available credit and their account is in good standing.


How do I know if my request for a Line of Credit has been approved?

If your request for an online personal Line of Credit is approved, you will receive an email notifying you of your approval.

Have more questions? Please refer to our general FAQs page or contact Customer Care at 1-866-255-1668.


Legal Disclosures


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