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. Consumers can apply for the CC Flow Line of Credit through the MoneyKey website.

With a CC Flow Line of Credit, you only pay charges on what you borrow. You can request a draw at any time as long as you have available credit**. The process to submit a request is simple and quick, with clear repayment terms and no hidden charges.

The CC Flow Line of Credit is currently offered in Arizona, Louisiana, Oklahoma and Oregon. Additional states will be operational soon. Check back often to see if the CC Flow Line of Credit is available in your state of residence.


How It Works

1. Submit Your Request

2. Get Approved

3. Request a Draw**


Online Loan Details

Rates for CC Flow Line of Credit

In many cases, the terms of an online loan can be complicated, hidden fees can crop up, and you’re suddenly faced with more debt to repay than you had initially anticipated. With a CC Flow Line of Credit, you can expect full transparency – charges only apply on credit you use, with no unexpected or hidden fees.


Easy-to-Understand Pricing

With the CC Flow Line of Credit, it’s easy to know how much you will be charged each billing cycle. Here’s what’s included in each Minimum Payment:

How is your Minimum Payment calculated?


Mandatory Principal Contribution

A portion of each Minimum Payment goes directly to your principal balance to ensure you are always paying down your principal balance.

The Mandatory Principal Contribution is calculated as follows:

  • If you receive your income on a non-monthly basis: the greater of 3% of the Outstanding Principal Balance at the end of the billing cycle or $15
  • If you receive your income on a monthly basis: the greater of 6% of the Outstanding Principal Balance at the end of the billing cycle or $30

Billing Cycle Charge*

If you have an outstanding balance, you will be charged a Billing Cycle Charge each billing cycle based on the Average Daily Principal Balance that appears on your periodic statement. See the Billing Cycle Charge table below:

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 – $9.99$5.00$10.00
$10.00 – $249.99$20.00$40.00
$250.00 – $499.99$30.00$60.00
$500.00 – $749.99$50.00$100.00
$750.00 – $999.99$75.00$150.00
$1,000.00 – $1,249.99$90.00$180.00
$1,250.00 – $1,499.99$110.00$220.00
$1,500.00 – $1,749.99$130.00$260.00
$1,750.00 – $1,999.99$145.00$290.00
$2,000.00 – $2,249.99$165.00$330.00
$2,250.00 – $2,499.99$180.00$360.00
$2,500.00 – $2,749.99$195.00$390.00
$2,750.00 – $2,999.99$210.00$420.00
$3,000.00 – $3,249.99$225.00$450.00
$3,250.00 – $3,500.00$240.00$480.00

*If you are an existing customer, please refer to your Line of Credit Agreement for terms and conditions.


CC Flow Line of Credit: Frequently Asked Questions


How do I qualify?

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

  • be of legal age to contract in your state of residence
  • be a US citizen or a permanent resident
  • have an active bank account
  • have a regular, consistent 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 lending to covered members of the US Armed Forces and their dependents.


How do I get started?

Simply click “Apply Now” on the MoneyKey home page 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 bank account to be approved for a CC Flow Line of Credit.


Can I verify my banking information electronically?

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 process your request for a CC Flow Line of Credit quickly. Please note that you must currently use online banking to take advantage of this service; not all banks are accepted.

Some of the benefits include:

  • Faster Turnaround: Instant account verification may help 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 CC Flow, DecisionLogic or MoneyKey.

Who is the CC Flow Line of Credit offered by?

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.


What are the benefits of a CC Flow Line of Credit over other borrowing options?

While many short-term loans include unexpected fees, the terms of a CC Flow Line of Credit are straightforward and transparent. You’ll have access to a secure online account to review your Line of Credit agreement, and other important terms of your Line of Credit. There is also an exceptional Customer Care team on standby to help you with any requests or questions. Additionally, if approved, your Line of Credit account details may be reported to TransUnion, which may impact your credit score. Please note the exact impact of payment activity on your CC Flow Line of Credit to your credit score is unknown as your credit score is influenced by numerous contributing factors.


How much can I borrow?

If approved, your credit limit will range between $500 and $3,500, depending on certain criteria.


How much does it cost?

With a CC Flow Line of Credit, you can always rely on clear and transparent disclosures. If you have an outstanding balance, you will be charged a Billing Cycle Charge each billing cycle based on the Average Daily Principal Balance that appears on your periodic statement.


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 see 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 as needed, from your available credit. If approved, you can have access to funds up to a specific credit limit. The benefit of a line of credit is that so long as you make payments towards your principal, more credit will be available for you to draw up to your credit limit.


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, on the other hand, gives a borrower access to funds 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 FAQ page or contact Customer Care at 1-866-255-1668.


Legal Disclosures


Oregon state license
Oklahoma state license

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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 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.

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