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Line of Credit in Kansas

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Line of Credit in Kansas

Getting access to money when you need it is easy with a Kansas online loan from MoneyKey in the form of a line of credit. A Line of Credit is a borrowing option that gives you access to any amount of funds up to your credit limit. It is a revolving loan that, unlike a payday or installment loan, remains active even after you have paid it down to a zero balance.

An online loan in Kansas can be a valuable resource during unexpected emergencies. It can be used to help you deal with things like medical emergencies, unexpected home repairs, and car repairs when your savings are running low.

We make applying for online loans in Kansas fast and secure. Our friendly and knowledgeable Customer Care agents are available 7 days a week to assist you throughout the application and repayment process. They can answer any credit-related questions you may have.

Getting an Online Loan in Kansas

Between its rolling hills and expansive prairies, Kansas has plenty of natural beauty to see. But don’t sleep on the famous Kansas barbeque! Whether you’re visiting cities like, Kansas City, Wichita, or Topeka, there’s plenty to do and see in this great state.

In terms of population, Kansas ranks closer to the bottom of all states and the cost of living is fairly low as well, compared to the national average.

Having said that, it’s still important for residents of Kansas to be financially prepared in case of an emergency. Things like unexpected car repairs, emergency medical care, or essential home repairs can crop up at any time, and if your savings are low, you’ll need to have an alternative way of dealing with these expenses. In case of an emergency, a line of credit in Kansas may be a potential solution to bridge the gap between your savings and the cost of your expense.

How it Works


1. Submit Your Application



2. Get Approved



3. Get Money The Same Business Day*

Understanding the Line of Credit

We’ve updated our terms. If you opened your Line of Credit account before November 7, 2018, please refer to your loan agreement for your terms and conditions.

Unlike an installment loan, you only need to apply once for a MoneyKey Kansas Line of Credit. If you are approved, you will have access to funds up to your credit limit, regardless of how many draws you make.

Line of Credit Amount

The amount of your Kansas Line of Credit will range between $200 and $2,500. After we review your application, we’ll let you know if you’re approved and how much you may qualify for.

Line of Credit Cost

You will be charged interest on the outstanding principal balance of your Line of Credit at a daily rate of 0.8000%. The corresponding annual percentage rate (APR) is 292%. This interest is only charged on the amount you use (the outstanding principal balance), not your total credit limit.

Making a Draw

You can withdraw the total credit available to you all at once, or in smaller amounts over time as you need it. When you request a draw, funds may be deposited to your bank account the same business day*.

Making a Payment

Before your due date, you will be issued a periodic statement outlining how much you owe. You are required to make your minimum payment by your due date, and you can also pay more to pay down your outstanding principal balance.

Your Minimum Payment

Your minimum payment for each billing cycle will consist of 2 components:

  1. Interest: charged at a daily rate of 0.8000% on your outstanding principal balance for each day of your billing cycle;
  2. A required principal payment: based on your pay frequency, as outlined below.

The exact amount of your minimum payment and the corresponding due date will be outlined in your periodic statement.

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Key Terms

Outstanding Principal Balance

This is the amount of money you’ve used or borrowed on your line of credit, not including any interest and/or fees you may owe.

Billing Cycle

The period of time between periodic statements. Your periodic statement is generated a day after the billing cycle ends.

Periodic Statement

Periodic statements contain a listing of all transactions, fees, and interest within a billing cycle. Your first statement will typically be generated on your first pay date after you make your first draw. Subsequent statements will be generated on each due date. You can access and download your periodic statements from your online MoneyKey account.

Required Principal Payment

Your minimum payment includes a mandatory contribution towards your outstanding principal balance – this is your Required Principal Payment.

If you receive your income weekly, bi-weekly or semi-monthly, your required principal payment as shown on your periodic statement will be 2% of your outstanding principal balance as of the end of each billing cycle.

If you receive your income monthly, your required principal payment as shown on your periodic statement will be 4% of your outstanding principal balance as of the end of each billing cycle.

State License

MoneyKey – KS, Inc. is a Supervised Lender licensed by the State of Kansas, Office of the State Bank Commissioner, Consumer and Mortgage Lending Division. The Line of Credit is funded by MoneyKey – KS, Inc. and governed by all applicable laws. For more information regarding the license status of MoneyKey - KS, Inc., please visit the National Multistate Licensing System website.

Line of Credit in Kansas: Frequently Asked Questions

To qualify for a Line of Credit in Kansas, you must:

  • Be at least 18 years old
  • Be a US citizen or a permanent resident
  • Be a resident of Kansas
  • Have an active bank account
  • Have a regular 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 lend to covered members of the US Armed Forces and their dependents.

This is not an online payday loan. At this time, we don’t offer Payday Loans online in Kansas. An online payday loan is a short-term loan that you pay back in full on your next payday. This is a Kansas Line of Credit, which is different from a payday loan because it doesn’t require you to make a lump-sum payment on your next payday. Instead, this is an open-ended loan on which you are only charged interest for the amount you use.

You have to live in Kansas to qualify for a Kansas Line of Credit. Whether you live in Kansas City or Wichita, applying for a Line of Credit in Kansas is easy and secure.

If you live in another state, please check our Products & Services page to see if Lines of Credit or other products such as Installment Loans are available in the state that you currently live in.

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

Online loans have become increasingly popular in recent years due to their convenience. They can offer a range of benefits that can make the borrowing process simple and efficient. These can include things like:

  • Convenience
  • Speed of application
  • 24/7 availability to fill out the application

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